Dividend Rates - Midwest Community

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Effective November 18, 2024.

All rates subject to change without notice.
APR = Annual Percentage Rate.

Please note: If you close an account before accrued dividends are paid you forfeit those dividends.

*APY = Annual Percentage Yield. All rates are subject to change without notice. Other rates and terms available. Contact a credit union representative for further information about applicable fees and terms. Penalty for early withdrawals on certificates of deposit.

Share (Savings) Account

Amount	Dividend Rate	APY*
$25.00 minimum* *$250 minimum to earn dividends	.05%	.05%
*Annual Percentage Yield

Elite Rewards Checking Account

Amount	Dividend Rate	APY*
$1,000 - $24,999	.03%	.03%
$25,000 - $49,999	.03%	.03%
$50,000 - $99,999	.05%	.05%
$100,000 +	.05%	.05%
*Annual Percentage Yield

Money Market Account

Amount	Dividend Rate	APY*
$2,500 - $24,999	.85%	.85%
$25,000 - $49,999	.95%	.95%
$50,000 - $99,999	1.05%	1.06%
$100,000 +	1.15%	1.16%
*Annual Percentage Yield

Advantage Business Checking Account

Amount	Dividend Rate	APY*
$1,000 - $24,999	.03%	.03%
$25,000 - $49,999	.03%	.03%
$50,000 - $99,999	.05%	.05%
$100,000 +	.05%	.05%
*Annual Percentage Yield

CD Rate Specials

Term	Dividend Rate	APY*
7 Months	3.92%	4.00%
13 Months	3.54%	3.60%
*Annual Percentage Yield

CDs and IRAs

$250 – $9,999

Term	Dividend Rate	APY*
3 Months	2.65%	2.69%
6 Months	2.75%	2.79%
12 Months	2.85%	2.89%
18 Months	2.90%	2.95%
24 Months	2.95%	2.99%
36 Months	2.55%	2.58%
48 Months	1.95%	1.97%
60 Months	1.95%	1.97%
*Annual Percentage Yield

$10,000 – $49,999

Term	Dividend Rate	APY*
3 Months	2.70%	2.74%
6 Months	2.80%	2.84%
12 Months	2.90%	2.94%
18 Months	2.95%	2.99%
24 Months	3.00%	3.05%
36 Months	2.60%	2.63%
48 Months	2.00%	2.02%
60 Months	2.00%	2.02%
*Annual Percentage Yield

$50,000 – $89,999

Term	Dividend Rate	APY*
3 Months	2.75%	2.79%
6 Months	2.85%	2.89%
12 Months	2.95%	2.99%
18 Months	3.00%	3.05%
24 Months	3.05%	3.10%
36 Months	2.65%	2.69%
48 Months	2.05%	2.07%
60 Months	2.05%	2.07%
*Annual Percentage Yield

$90,000 +

Term	Dividend Rate	APY*
3 Months	2.80%	2.84%
6 Months	2.90%	2.94%
12 Months	3.00%	3.05%
18 Months	3.05%	3.10%
24 Months	3.10%	3.15%
36 Months	2.70%	2.74%
48 Months	2.10%	2.12%
60 Months	2.10%	2.12%
*Annual Percentage Yield

Certificate Terms

Term	Minimum Deposit	Dividends	For Early Withdrawal
3 - 11 Months	$250	At Maturity	90 Day Penalty
12 - 23 Months	$250	Day-In-Day-Out Compounded Daily Posted Monthly	180 Day Penalty
24 - 60 Months	$250	Day-In-Day-Out Compounded Daily Posted Monthly	365 Day Penalty

Health Savings Accounts

Term	Dividend Rate	APY*
No minimum balance	.05%	.05%
*Annual Percentage Yield

Club Accounts

Christmas Club

Info	Dividend Rate	APY*
Payable on Oct. 20th Payroll or direct deposit available $10 fee (waived Oct. 20th thru Dec. 31st)	.05%	.05%
*Annual Percentage Yield

Miscellaneous Savings Accounts

Term	Dividend Rate	APY*
No minimum balance	.05%	.05%
*Annual Percentage Yield

IRA Money Market Accounts

Term	Dividend Rate	APY*
$2,500 - $24,999	.85%	.85%
$25,000 - $49,999	.95%	.95%
$50,000 - $99,999	1.05%	1.06%
$100,000 +	1.15%	1.16%
*Annual Percentage Yield

We are growing!

Imagine the possibilities. At Midwest Community, we are well-known for advancing our employees and promoting from within at all levels of the organization. Take the first step in starting your career and grow with us!

Float Member Service Representatives – may have days scheduled at any location (Defiance, Bryan, Napoleon). Computer literacy is required and cash handling or banking experience is preferred. Please see the job overview for a list of duties.

Starting pay is $17.44 an hour
$19.62 an hour after 180 days of service
$21.79 an hour after 1 year of service

Loan Underwriter – responsible for reviewing, analyzing, approving, and underwriting routine individual consumer and business loan requests. Please see the full job overview here.

Resumes may be submitted to Andrew Scharlacken at ascharlacken@midcomm.org.

All are welcome. Midwest Community Federal Credit Union is an Equal Opportunity Employer.

We are growing!

Imagine the possibilities. At Midwest Community, we are well-known for advancing our employees and promoting from within at all levels of the organization. Take the first step in starting your career and grow with us!

Float Member Service Representatives may have days scheduled at any location (Defiance, Bryan, Napoleon). Computer literacy is required and cash handling or banking experience is preferred.

Starting pay is $17.44 an hour
$19.62 an hour after 180 days of service
$21.79 an hour after 1 year of service

Please see the job overview for a list of duties. Resumes may be submitted to Andrew Scharlacken at ascharlacken@midcomm.org and are kept on file for one year.

All are welcome. Midwest Community Federal Credit Union is an Equal Opportunity Employer.

Investment Representative

The primary purpose of this position is to assist Midwest Community Federal Credit Union by delivering outstanding service to both internal and external members. A key element of excellent service is to identify the financial needs of each member and recommend an appropriate credit union solution. In addition, receives members in person and by telephone. Helps Member Investors reach financial goals utilizing our consultative sales process. In addition, responsible for ensuring that outstanding service is delivered to both internal and external members. A key component of this service is to provide proactive guidance on investment solutions via a needs-based consultative selling approach to both current and prospective Members who have placed an inbound call or referral to the Investment Representative.

For more details, please contact lfrysinger@midcomm.org.

Midwest Community Federal Credit Union is an Equal Opportunity Employer.

Member Service Representative

Midwest Community Federal Credit Union is looking for a Member Service Representative to process transactions, accurately perform end of day balancing procedures, follow company policies and utilize the core data processing system and various software applications, including electronic banking services. We are seeking candidates who are punctual, honest, friendly, and have outstanding communication skills. Please see the job description for a full list of duties. Resumes may be submitted to Sondra Manon at smanon@midcomm.org.

Midwest Community Federal Credit Union is an Equal Opportunity Employer.

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