MidFirst Savings, Certificate of Deposit and IRA Accounts

MidFirst offers a variety of savings and investment options to meet your current and long-term financial needs. All MidFirst share accounts are privately insured up to $250,000 per account by American Share Insurance (ASI). Visit the MidFirst rates page to help you decide which product is right for you.

Savings Accounts

Saving for the future is a key component to financial health. Whether you are saving for emergency, a new home, an automobile, college education or retirement, one of the MidFirst Savings Accounts will meet your needs.

Main Share

This account is your membership account that can also be used as a savings account. A $5.00 balance in your Main Share Account represents your Credit Union share and entitles you to all MidFirst Credit Union benefits.

• Minimum Balance: $5.00
• Dividends*: Calculated Daily, Paid Quarterly
• Service Fees: None
• Other Features: Unlimited transactions

Select Share

This special account offers you a savings vehicle in addition to your Main Share account, whether you are saving for fun or for necessity.

• Minimum Balance: None
• Dividends*: Calculated Daily, Paid Quarterly
• Service Fees: None
• Other Features: Unlimited transactions

Prime Share

Earn more on your savings with the Prime Share Account. With a minimum balance of $2,500 and three rate tiers, your account earns higher dividends as your balance increases.

• Minimum Balance: $2,500
• Dividends*: Calculated Daily, Paid Quarterly; no dividends paid when balance is below minimum.
• Service Fees: None
• Other Features: Withdrawals limited to three per month and must be $250 or above; additional withdrawals require a fee of $5 per withdrawal.

Christmas Club Share

Payroll deductions or automated account transfers make regular additions to this interest-bearing holiday savings account easy.

• Minimum Balance: None
• Dividends*: Calculated Daily, Paid Quarterly
• Service Fees: None
• Other Features: Funds are automatically transferred to the member's account of choice on November 1. If there is a withdrawal prior to this time, the withdrawal must be for the entire amount and the account is closed until after November 1.

KidsFirst Share

MidFirst members age 12 and under can learn the value of saving early in life by opening a KidsFirst Savings Account. It's a great way for kids to learn about money and the importance of saving.

• Minimum Balance: $5.00
• Dividends*: Calculated Daily, Paid Quarterly
• Service Fees: None

Certificates of Deposit

Share Certificates of Deposit are often an important piece of a sound savings strategy. Certificates require funds to remain in the account for a period of time and, in return, pay a higher dividend rate than other Savings Accounts.

Share Certificate of Deposit

This account pays high dividend rates as invested funds remain on deposit for a fixed period of time.

• Minimum Balance: $500
• Dividends*: Calculated Daily, Paid Quarterly
• Available Terms: 3 to 60 Months

Colossal and Super-Colossal Share Certificates of Deposit

With a $30,000 minimum balance, a Colossal Share Certificate of Deposit earns a ¼% premium above Certificates with comparable terms. With a $100,000 minimum balance, a Super-Colossal Share Certificate of Deposit earns a ½% premium above Certificates with comparable terms.

• Minimum Balance: $30,000 for Colossal; $100,000 for Super-Colossal
• Dividends*: Calculated Daily, Paid Quarterly
• Available Terms: 3 to 60 Months

IRAs (Individual Retirement Accounts)

Save for retirement with an IRA. IRAs allow you to accumulate savings to supplement your pension or Social Security benefits upon retirement. MidFirst offers a variety of IRA options.

IRA Share Account

One of the best accounts that MidFirst offers, this account provides great flexibility for your retirement savings. This account is an ideal place to hold retirement savings funds when you are unsure of how you'd like to invest those funds long-term. This account also allows for easy IRA and 401k rollovers.

With three rate tiers, your account earns higher dividends as your balance increases. Withdrawals can be made at any time; however, withdrawals made before you reach 59½ years of age may incur tax-related penalties and tax consequences**. MidFirst offers Roth and Traditional IRA Share Accounts.

• Minimum Balance: None
• Dividends*: Calculated Daily, Paid Quarterly
• Service Fees: None

IRA Share Certificate of Deposit

A great product to provide fixed-rate diversification for your retirement, invested funds remain on deposit for a fixed period of time, with terms ranging from 3 to 60 months. Colossal balances of $30,000 or more and Super-Colossal balances of $100,000 or more earn premium rates. Withdrawals can be made at any time; however, withdrawals made before you reach 59½ years of age may incur penalties and tax consequences**. MidFirst offers both Roth and Traditional IRA Certificates.

• Minimum Balance: $500
• Dividends*: Calculated Daily, Paid Quarterly
• Service Fees: None

* Member may forfeit dividends if account is closed before accrued dividends are credited to the account.
**See your tax advisor for details. Early-withdrawal fees can occur.

Current Rates
New Account Form
Financial Calculators