Find a Great Rate
| Mortgage Type | APR* |
| 30 Year Fixed | 5.000% |
| 15 year Fixed | 4.250% |
| Learn More | Apply For Loan | |
| *Annual Percentage Rate (APR) Best rates available to qualified borrowers. |
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Membership Benefits
“People Before Profits” That’s not just something we say at Mid-Illini Credit Union, it’s something we do! When you’re a member at MICU, you’re not a dollar sign, but a partner who can help fellow members build strong financial foundations. Banks are historically seen as stuffy and stodgy, but the atmosphere at MICU is more relaxed and fun! We’re people helping people become partners in financial independence! As a not-for-profit organization, MICU can offer lower loan rates and higher interest rates on deposits. And, with our volunteer board of directors, the best interests of our members are top of mind! MICU is a benefit for your company Becoming a company partner at MICU allows you to offer employees low-cost financial services with rates and terms that are often better than those at other institutions. We are a federally insured financial cooperative owned by our members. And the best part – you can offer this benefit at no cost or financial risk to your company.
• Make loans easier to acquire by considering your character as well as your credit score • Make smaller loans than many institutions • Encourage employees to save regularly through payroll deposit • Educate about sound financial habits • Offer financial planning and counseling • Eliminate requests to employers for pay advances and check-cashing services.
We’ve taken care of our members since 1940… before Pearl Harbor, TV, cell phones and digital cameras…before lots of things. In all that time, members have felt at home here because their banking experience has never been dictated by a stuffy CEO or demanding stockholders. Profits are returned directly to members, the owners. They get higher dividends, lower loan rates and reduced fees.
Just $5 opens a savings account and maintains membership. What does $5 get?
*For members who qualify
Safety you can trust
For good reason, more than 7,000 people and 60 companies trust MICU with more than $30 million in assets. Our board of directors is made up of credit union members who volunteer to direct MICU and ensure operational policies are maintained. We observe strict guidelines for operation. We don’t invest in commercial loans, or risky investments. And the National Credit Union Association federally insures accounts up to $100,000. That’s why we can sincerely say Mid-Illini Credit Union is a place that treats members like partners and looks after your financial well-being. Click here and become a company partner today! |
