Mid American rates: up to 4.50% APY
credit union · NCUA CHARTER 65378 · www.midamerican.coop/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Basic Membership Savings Account | 0.03% | APY | 2026-11-01 | since 2026-11-01 | ||
| Christmas Savings Account | 0.15% | APY | 2026-11-01 | since 2026-11-01 | ||
| Freedom Savings Account | 0.50% | APY | 2026-11-01 | since 2026-11-01 | ||
| Preferred Youth Savings Account | 0.50% | APY | 2026-11-01 | since 2026-11-01 | ||
| Vacation Savings Account | 0.15% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Pay Day Certificate - 12 Month - 0.40% APY | 6 Month · $1,000+ | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Special Rate Certificates | 7 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Pay Day Certificate - 12 Month - 0.40% APY | 1 Year · $1,000+ | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Not offered on CESA certificates | 14 months | 4.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Pay Day Certificate - 12 Month - 0.40% APY | 18 Month · $1,000+ | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Not offered on CESA certificates | 23 months | 4.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Pay Day Certificate - 12 Month - 0.40% APY | 2 Year · $1,000+ | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Pay Day Certificate - 12 Month - 0.40% APY | 3 Year · $1,000+ | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Not offered on CESA certificates or Youth certificates | 37 months | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Pay Day Certificate - 12 Month - 0.40% APY | 4 year · $1,000+ | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Pay Day Certificate - 12 Month - 0.40% APY | 5 Year · $1,000+ | 0.60% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking Plus Account | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| FirstStep Youth Checking | 0.15% | APY | 2026-11-01 | since 2026-11-01 | ||
| Freedom Checking | 0.15% | APY | 2026-11-01 | since 2026-11-01 | ||
| Preferred Youth Checking Account | 0.15% | APY | 2026-11-01 | since 2026-11-01 | ||
| eChecking | 0.50% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.midamerican.coop/personal/dividend-rates | 2026-11-02 03:33 UTC | ok | 50dbaa9f5b9d |
| www.midamerican.coop/personal/certificates | 2026-11-02 03:33 UTC | ok | dc998616a502 |