ATMs
There are no fees to members of Mid Michigan Family Credit Union to receive an ATM card. Mid Michigan Family Credit Union has six, no-member-fee ATM machines throughout the membership area.
- Chesaning • Frank's Market IGA
- Saginaw • Cabaret Trail Branch
- Saginaw • Rust Street Branch
- St. Charles • Frank's Market IGA
Mid Michigan Family Credit Union Credit Union is also a part of the Alliance One Network. ATM machines displaying the Alliance One Logo will not charge you a fee.
ATM machines that are not part of Mid Michigan Family Credit Union or Alliance One may charge a service fee for their use.
Debit Card
There are no fees to members of Mid Michigan Family Credit Union to receive a debit card. Your debit card features the MasterCard logo and may be used wherever MasterCard is accepted. The debit transactions are withdrawn from your checking account automatically, saving you the hassle of writing a check!
Your debit card also doubles as an ATM card, giving you the same benefits and convenience of the Alliance One Network.
Home Banking
It'sMe247 is Mid Michigan Family Credit Union's online banking service. Log in to take advantage of a variety of online services, from checking your balance to applying for loans. CU*Talk is the telephone response banking system. Check your balances, transfer funds, verify previous transactions and more from your phone. Call CU*Talk toll free at 888-369-0005.
These are free, convenient services available to all members twenty-four hours a day, seven days a week.
CU*EasyPay!
Using Mid Michigan Family Credit Union's It'sMe247 online banking service you can:
Pay any bill online . . . including your house payment, your credit card company - even your babysitter - at any time, from anywhere.
Receive your bills electronically . . . Sears, Visa, MasterCard, and Verizon are just a few of the companies from which you can choose to receive e-bills. And the list is growing every day. (Follow the instructions under the "Sign Up to Receive E-Bills" link on the CU*EasyPay! screen to begin receiving e-bills.)
Other features:
- Authorize checks to be sent to anyone - from babysitters to birthdays
- Set up recurring payments - like mortgage and car payments or insurance premiums
- Schedule payments at your convenience - processing will not begin until the date you assign (just remember to set the payment date at least 5 days prior to due date to allow processing time)
- View a register of payment history
- Monitor the status of your payments any time - stop wondering if your payment was received
- Download transaction data into personal financial software such as Quicken or Microsoft Money
Shared Branching
Members of Mid Michigan Family Credit Union can perform many transactions at over 100 credit union branches. This makes your credit union membership even more valuable. For example, If you spend the summer months "up North," you can probably find a credit union nearby to transact your business. This is also a great way for students going off to college to be able to access their Mid Michigan Family Credit Union accounts.
Transactions that can be performed at Shared Branching locations are: deposits, withdrawls, loan payments, transfers, check cashing, line-of-credit teller advances, account balance inquiries, credit card advances, purchase traveler’s checks and money orders.
For a complete list of Shared Branching locations throughout the United States, click here. The Xtend logo will be posted at all credit unions that participate in Shared Branching.
Overdraft Privilege
Mid Michigan Family Credit Union is now providing members with a valuable new service — an Overdraft Privilege — for your checking account.
We think you’re going to appreciate having the Overdraft Privilege, because it provides a number of important benefits for you, such as:
• Your Overdraft Privilege may reduce or eliminate bounced checks and returned check charges from merchants
• Your Overdraft Privilege is simple and convenient
• You can access your Overdraft Privilege for all checks written, in-person withdrawals, ATM withdrawals and other electronic transactions
• You do not need to do anything to activate this service
• If you don’t use it, it won’t cost you anything
With the Overdraft Privilege, Mid Michigan Family Credit Union will generally pay your overdraft items up to $500. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. You will be charged our normal overdraft or return item fee of $25 for each item that is presented, and you must bring your account to a positive balance within 30 days.
If you have any questions, just call us at 989.799.8636. In the event that you would not like to have this valuable service on your account, simply contact us and we will provide you with an Opt Out form to complete and return to us.
EStatements
Receive your monthly statements via email. This service is free, and convenient. Contact the credit union to sign up for this service.
These are free, convenient services available to all members twenty-four hours a day, seven days a week.
Loans
Mid Michigan Family Credit Union offers a variety of loans to fit your needs.
- New and used vehicle loans
- Recreational vehicles
- Mobile home loans
- Signature loans
- Personal line of credit loans
- Mortgage loans
- Home equity loans
- Home equity lines of credit.
VISA Services
VISA Classic $500.00 to $5,000.00 Limit - 11.88% APR
VISA Gold $5,000.00 to $10,000.00 Limit - 9.90% APR
Both of our cards feature no annual fee and along with many other excellent benefits you can now authorize payments online! We participate with the EZCard Info program and once you enroll you can view recent transactions, statements, and authorize payments from the online convenience of your home computer.
Christmas Club Account
Christmas Club Account allows you to save for the holiday season all year long. Set up your Christmas Club Account to automatically deposit funds from your share account on a regular basis. On October 1, your funds will be transferred into your regular share account, giving you access to your funds just in time for holiday shopping.
There is no minimum balance for the Christmas Club Account.
Mid Michigan Family Credit Union offers Roth, Traditional, and Coverdell IRAs. You can set up a payroll deduction or an automatic transfer into any IRA. There is no minimum balance to open an IRA.
Certificates of Deposit
Save money and earn interest at a fixed rate. With terms ranging from six months to five years, there's a flexible CD option for everyone.
Certificates require a $1,000 minimum balance to open. CD Rates
Traveler's Checks
Traveler's Checks are available at Mid Michigan Family Credit Union. There is a charge of $1.00 per $100.00 Traveler's Checks.
Money Orders and Cashier's Checks
There is a charge of $1.00 per money order, and a $2.00 charge per cashier check.
Notary Services
There is a Notary available at both branches during business hours. There is no charge for Mid Michigan Family Credit Union members.
NADA Books
Mid Michigan Family Credit Union keeps current editions of the NADA Vehicle Books for your reference. Use them when pricing out a new or used vehicle or when getting ready to sell your old one.
This is your primary account at Mid Michigan Family Credit Union. Maintaining this account defines you as a member of the credit union and grants you the privileges membership provides. The minimum balance to open regular share accounts is $5.00.
Checking at Mid Michigan Family Credit Union comes with some great benefits.
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