Local. No Limits.
Banking that’s personal, powerful, and right here in your community.
At Midwest Community Federal Credit Union, we believe you shouldn’t have to choose between great service and great features. With us, you get both. From checking and savings accounts to home loans, credit cards, and mobile banking, we offer everything you need to manage your finances—all with the personal, friendly touch only a local credit union can provide.
Banking local doesn’t mean giving up convenience. It means gaining a partner who’s right here with you, every step of the way.
Bank Local. Bank Better.
All our decisions are made in-house, from loan approvals to resolving account issues. What does that mean for you? Quicker turnaround times and the assurance that someone is looking out for your unique situation in your own backyard, not from across the state or across the country.
Nationwide Branches & ATMs
Midwest Community Federal Credit Union is part of CO-OP’s Shared Branching Network and AllianceOne’s Shared ATM Network. That means you have more direct access to your money than most traditional bank customers do, regardless of size.
Why Join a Credit Union?
We’re proud to offer everything the big banks do—things like checking and savings accounts, home loans, credit cards, and online/mobile banking. But here’s the difference: we do it with you in mind. Learn more about what being a member means.
Here to Stay.
Put Your Money Where Your Heart Lives.
At Midwest Community Federal Credit Union, we’re more than just a place to bank—we’re your neighbors, right here in Northwest Ohio. While big banks focus on Wall Street, we focus on our street. Every dollar you save, borrow, or invest with us supports local families, small businesses, and community projects.
When you call, you’ll speak with people who know your name and care about your goals, not just your account balance. For seven decades, we’ve been helping our members achieve their dreams and secure their futures.
So why not keep your money local, with people who are as invested in your future as you are? At Midwest Community Federal Credit Union, you’re not just another customer—you’re family.
Learn More About What We Offer
At Midwest Community, you get all the tools you need and the local support you deserve.
Checking Accounts
Midwest Community has three options for your checking account. Simply pick the one that works for you. If you want more connections to more benefits, just switch it up when you need. Click here to learn more.
Savings Accounts
Midwest Community gives you a variety of savings tools to prepare for emergencies that pop up, plan for a special trip, or achieve your dream of owning a home or financing your child’s education. The right savings tools plus your hard work and preparation equals financial freedom! Click here to learn more.
VISA® Credit Card Options
Looking for a credit card to give you more bang for your buck? Look no further than Midwest Community’s VISA® Credit Card options, which boast great low rates & optional rewards.
Certificates of Deposit
Building financial security is easy and flexible with certificate terms ranging from three months to 60 months, and just a $250 initial minimum deposit.
Investment Services
Chris Birkenbeul has one objective – to provide the investment vehicles, financial tools and guidance to help you pursue your financial goals. When it comes to insurance and investments, we understand the importance of a trusted partner.
For a no-cost, no-obligation appointment, contact Chris today using the link below.
Free Financial Coaching
Sometimes all we need is a different perspective to see things we might otherwise miss. With one of Midwest’s certified financial coaches, you’ll receive personal, one-on-one coaching to help develop a plan to meet your lifestyle.
Mobile Wallet
Enjoy all the benefits of your Midwest Community Visa® cards on your mobile device. Learn more about your favorite mobile wallet option below.
Robust Money Management Tools
Your money, on your schedule. Use MC Online Banking, our MC Mobile app, or our MC Card Manager companion app to manage your account in real time, whenever you want.
Vehicle & Recreational Loans
Get the car or “toy” of your dreams with a payment you can afford. Ask about a FREE pre-approval to make your shopping experience quick, easy and hassle-free!
Mortgages & HELOCs
Buying a house is the biggest purchase most people will make in their lifetime. We don’t treat your real estate loan like a number — we treat it like a home.
Personal Loans
Locally-sourced loans decided quickly. Finance a much-needed vacation, pay bills, or consolidate debt…consider the possibilities!
Private Student Loan Refinancing
Take control of your student loan repayment by refinancing with Midwest Community Federal Credit Union.
Business Loans
When you need money to expand your business, Midwest Community FCU is here with flexible lines of credit and competitive term loans to help you make the most of every opportunity.
Credit Union Discounts
In addition to the money-saving perks of our Rewards Checking accounts, there are several other discounts that come with being a MCFCU member.
We Also Offer: Lock Boxes, Money Orders, Notary Service, Wire Transfers, and U.S. Postage Stamps. Contact us to learn more.
Ready to get started?
Ready to become a member of one of the most dynamic and energetic cooperatives in Northwest Ohio? With membership, you join 14,000+ other community members just like you working together to achieve financial security. Contact us to find out more!
Questions? Call or text (419) 783-6500 or stop by one of our offices today!
Main Office08770 State Route 66 Defiance, OH 43512 view map Call or Text: (419) 783-6500 Fax: (419) 783-6550 ATM Access Available | Drive-up Hours: Mon - Thur: 7:30am - 5:30pm Fri: 7:30am - 6:00pm Sat: 8:00am - 1:00pm Sun: CLOSED Lobby: Mon - Thur: 8:00am - 5:30pm Fri: 8:00am - 6:00pm Sat: 8:00am - 1:00pm Sun: CLOSED |  |
Napoleon Branch1429 North Scott Street Napoleon, OH 43545 view map Phone: (419) 599-5522 Text: (419) 783-6500 Fax: (419) 599-5537 ATM Access Available | Drive-up Hours: Mon - Thur: 8:30am - 5:00pm Fri: 8:30am - 5:30pm Sat: 8:30am - 12:00pm Sun: CLOSED Lobby: Mon - Thur: 8:30am - 5:00pm Fri: 8:30am - 5:30pm Sat: 8:30am - 12:00pm Sun: CLOSED |  |
Bryan Branch221 N. Main Street Bryan, OH 43506 view map Phone: (419) 633-0571 Text: (419) 783-6500 Fax: (419) 633-0572 ATM Access Available | Drive-up Hours: Mon - Thur: 8:30am - 5:00pm Fri: 8:30am - 5:30pm Sat: 8:30am - 12:00pm Sun: CLOSED Lobby: Mon - Thur: 8:30am - 5:00pm Fri: 8:30am - 5:30pm Sat: 8:30am - 12:00pm Sun: CLOSED |  |