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MidState FCU Products & Services
Not only does MidState Federal Credit Union fulfill your saving and borrowing needs, we also guide you in planning for your family's financial future. Take a good look at how MidState Federal Credit Union can be your family's resource for a broad range of financial products, services and information.

The products and services available are designed to help you manage your personal financial affairs at the lowest possible cost. If you ever have a question, simply call 732-541-4151 and a Member Service Representative will respond to your needs.

Loan Application
MidState FCU Savings Products
MidState FCU Loan Products
Insurance Services
Other Services
Our Current Savings & Loan Rates
NEW! Mortage Webcenter


Is your money safe?

If the safety and availability of your hard earned money is important to you, satisfying your family's financial needs at MidState Federal Credit Union is your most logical choice. Each member's deposit are protected by the National Credit Union Administration (NCUA) for at least $250,000. Not one person has ever lost a penny placed in the trust of a federally insured Credit Union.

Share Savings Accounts
Saving for the future is important to every family. At MidState Federal Credit Union we offer savings and investment accounts with a high-yield rate of return. And, because each account is federally insured for at least $250,000.00 you have the security of knowing your hard earned money will be there when you need it.

  • Minimum Account Balance $100.00
  • Pay Dividends Monthly
  • Lifetime Membership - Once a Member, Always a Member!
  • No limit on Deposits or Withdrawals
  • 24-Hour Access via Call-24, our toll-free telephone teller
  • Access Nationwide via a MidState FCU MAC Card
  • Payroll Deductions available

Kid's Count

Anyone under the age of 21 can open up a Kid's Count for as little as a $5.00 minimum balance.  Start earning dividends on that amount.  When you turn 21 you can convert your account into a share savings account.

Money Market Accounts

MidState's Money Market Accounts offer higher yields than our share savings accounts.  We offer a three tier system, and the minimum balance to open is only $2,500.00.  Dividends are compounded monthly.  You will be limited to three (3) withdrawals per month, and have unlimited deposit ability.  There are NO FEES for these accounts, however, if you make more than the three withdrawals in one month you will be charged a penalty of the interest that is accrued for that month. 

Checking Account
A MidState Federal Credit Union Share Draft Checking Account is the one you will want to manage your family's financial affairs on a daily basis. Once you open your account, making deposits is easy using our Direct Deposit or Payroll Deduction service.

  • No Minimum Balance, however, you must be a member of the Credit Union with a share account balance of $100.00
  • No Per-Check Charges
  • Unlimited Check Writing
  • Monthly Statements
  • Automatic Deposits and/or Payments Available
  • Duplicate Carbon Copies of Checks For Your Records
  • Wide-Selection of Check Designs
  • 24-Hour Access via Call-24, our toll-free telephone teller
  • Access Nationwide via a MidState FCU VISA Debit or MAC Card
  • Payroll Deductions & Direct Deposit Available
  • Automatic transfer from your savings account to cover check amount (first $100 in Savings is not available for transfer)
  • Over Draft Protection Available

VISA Debit Check Card

Our VISA debit check card is finally up and running.  Whether you use this card as a "credit" or a "debit", the purchase will deduct from your CHECKING account.  In other words, if you say "credit", the purchase will not get billed to a credit card.  You must have a checking account before you apply for the VISA debit check card.  You will receive a VISA debit check card upon approval.

What is the difference?

Debit - If you say "debit", the transaction is processed through the ATM network and you must use a personal identification number (pin).

Credit - If you say "credit", the transaction is processed through the VISA network.

It all depends on personal preference.  But here is a little-known fact: When you choose "credit" and sign for the purchase, it will give you the "power" of VISA International on your side in the form of chargeback priviledges and it actually helps your credit union and other members because VISA transactions are more efficient and less costly than ATM transactions.

Holiday & Vacation Club Accounts
Save for year-end holiday shopping and vacation travel with our Holiday and Vacation Club Accounts.

  • No minimum Balance to Open Account
  • Payroll Deductions Available
  • Dividend Paid Quarterly

Term Share Certificate Accounts
MidState FCU offers a selection of certificate accounts to suit your financial needs. Dividends are paid to your account quarterly. Upon request we will transfer those dividends to your account. Call the credit union for more information.

  • Selection of Certificate Terms - 6, 12, 24, 36, 48, and 60 months 
  • Competitive Dividend Rates
  • $500 Minimum Deposit
  • Special JUMBO CD Rates

Individual Retirement Accounts
The Credit Union offers members three types of IRAs to save for retirement and/or their children's education. Choose from the Traditional IRA, ROTH IRA or Coversdell Education Savings Account.



MidState Federal Credit Union is the place to go for all your lending needs. We offer a wide variety of loans with competitive rates and flexible terms to fit everyone's budget.

For your convenience, all loans can be paid for through automatic payments, with payroll deduction or direct deposit.
Loan Application

New & Used Auto Loans

  • 100% financing
  • Terms up to 84 months
  • No Prepayment Penalties
  • Pre-approvals
  • Special Dealer Pricing Programs available
  • Enterprise Car Sales
  • Price Auto Outlet Car Sales

Enterprise Car Sales


We all know that car buying can be a complicated and frustrating process. ABN will ensure that your credit union loan is honored (at a participating dealership) and help you get the best overall transaction when buying a car. When using the ABN auto buying service you can:

  • Get “live auto assistance” from dedicated rep Monday through Saturday before you go to the dealership or while you're at the dealership Call ABN’s toll free number to gather information on every aspect of the car buying process from financing with the credit union to insurance and warranties. Ask questions and get help before, during, and after your purchase
  • Always expect highly trained experts to provide customized service based on your individual purchasing needs.
To utilize this service, follow these steps:
  1. Call your dedicated Auto Buyers Network rep at: 888-418-CARS (2277) Provide your Credit Union Name: MidState Federal Credit Union Provide the Group ID#: CU2821
  2. Provide your vehicle preferences to ABN rep

Motorcycle/Boat/Trailer/RV Loans

  • 100% financing
  • Several Term Options
  • Terms to fit your budget
  • No prepayment penalties

Personal Loans - Signature & Line of Credit
Personal Loans are perfect for debt consolidation of high interest credit cards, home repairs, vacation, or whatever your needs might be.

  • No application fee
  • Low fixed rate
  • Borrow up to $7,000
  • Terms to fit your budget
  • No prepayment penalties

Share Secured Loans
Secure savings or term saving certificate loans are another way to have your money help you save money. Secure your loan with one of these accounts and you are assured a great low rate on your loan, plus still be paid dividends on your savings.

  • No application fee
  • Low fixed rate
  • Borrow 100% of Secured Savings
  • Terms based on amount borrowed
  • No prepayment penalties

Refinance a Loan
As a member of MidState FCU you will have the unique opportunity to refinance HIGH interest loans with other financial institutions at our LOW interest rates. Doing so could reduce your monthly payment and put some extra cash in the family budget. Contact our loan department to review your circumstances and assist you in evaluating whether refinancing a loan is in your best interest.

Overdraft Line of Credit
Never bounce a check again, apply for overdraft line of credit. Avoid unnecessary returned check charges by linking your Checking Account to Overdraft Protection! Once you are approved, you can advance your Line of Credit privately and instantly by writing a personal check for an amount in excess of your current checking account balance.

  • Limits to $1,500
  • Minimum payments starting at $25
  • Automatic payments each month
  • Advances in increments of $100

This account will provide you with money you need to get by until your next paycheck

Student Loans
Student loans are available through the Credit Union and are available to members for the purpose of financing education.

  • Low fixed rates
  • Limits to $7500
  • 7 year repayment plan
  • Automatic payments each month

Credit Cards

MidState FCU is now offering a Credit Card for everybody!  We have a Credit Builder VISA if you have no credit history or if you need to rebuild you credit.  We have our Classic card which offers a low APR of 11.90%, which is not an introductory rate; the rate stays the same month after month.  And we also have a Platinum Preferred VISA which offers a low introductory rate of 5.90% for the first 12 months then 9.90%.  Enjoy the benefits of the Preferred Platinum card which include ScoreCard Bonus Points and Preferred Customer Service.

MidState Federal Credit Union VISA credit card is the one you will want to use on a daily basis. MidState FCU credit card is accepted worldwide. Begin saving money immediately by converting your HIGH interest credit card balances to our LOW interest VISA card when you join MidState FCU. This could lower your monthly payment putting some extra money in your wallet.

When you use your MidState FCU VISA card, you will realize many benefits not available with other credit cards.

VISA Classic

  • No Annual Fee
  • No Cash Advance Fee
  • Low 11.90% APR for both purchases and Cash Advances
  • 25 day Grace Period on Purchases
  • Cash advances accrue interest from the date the advance is made
  • Balance computed on Average Daily Balance Method
  • No Minimum Finance Charge
  • No Transaction Fees
  • Over Limit fee $25.00, Late Payment fee $25.00
  • Free Accidental Death and Dismemberment Insurance

Stop paying high interest rates charged on bank issued credit cards. Don't Delay. Apply Today for the credit card you deserve... with savings you want...

Real Estate Loans

Visit our NEW Mortgage Webcenter Now!

Apply online at your convenience, 24 hours a day 7 days a week.

  • Home Purchases
  • Refinances
  • Free Online Pre-Approvals for Home Purchases
  • Instant Rate Quotes
  • up to 80% financing available on all Arm Programs for qualified applicants.
  • Calculators

For personalized assistance speak with one of our Home Finance Consultants, they are here to help you not sell you call 866-432-1511.

Home Equity Loans

Use a Home Equity loan for whatever your family needs... including additions, siding, roof, heating, cooling and landscaping. Our Home Equity Loans allow you to take advantage of the equity in your home today - when you need the money most. Use the money for any worthwhile purpose.

Program Rate Max LTV Min Loan Max Loan Owner Occ 2nd Home Investment
5 yr fixed 4.25% 80% $5,000.00 $250,000.00 Yes Yes No
7 yr fixed 5.00% 80% $5,000.00 $250,000.00 Yes Yes No
10 yr fixed 6.25% 80% $5,000.00 $250,000.00 Yes Yes No

Call us today at 732-541-4151 to speak with a Home Finance Consultant.

NEW-Go online to fill out an application today!




The Credit Union offers a variety of insurance services to fill the needs of most members.

Credit Disability Insurance
MEMBER'S CHOICE* Credit Disability Insurance is a voluntary coverage that will help make your monthly loan payments if you are disabled due to injury or sickness and your claim is payable. If you suffer total continuous disability from sickness or accident which continues beyond the policy waiting period of 30 days, your monthly loan payments will be paid for you up to $600 per month. The premium for this coverage will be added to your loan payment. You can qualify for this insurance if you are under the age of 65 and actively at work for a minimum of 25 hours per week.

Credit Life Insurance

MEMBER'S CHOICE* Credit Life Insurance is a voluntary coverage that will reduce or pay off your eligible loan balance, up to the policy maximum, if you pass away and your claim is payable.  The premium for this coverage will be added to your loan payment.

*MEMBER'S CHOICE Credit Life and Credit Disability Insurance is underwritten by CUNA Mutual Insurance Society.  Coverage is voluntary and not required to obtain a loan.  Please contact your MidState FCU loan officer for additional information about eligibility, terms, conditions and exclusions.


NetBranch-On-Line Home Banking

Experience our new FREE HOME BANKING Product-NetBranch. NetBranch makes virtual banking a reality. This latest credit union improvement provides MidState FCU members with secure around-the-clock access to their financial information via the web site.  This product was developed with security as one of its top priorities. NetBranch has been issued a unique Secure Server ID to assure you of its authenticity and to allow communications to be encrypted for privacy.  We now have a Bill Payer Product called CheckFree!  Pay your bills in the convenience of your home, save money on stamps!. Transfer funds between your account, find out balances, find out what checks have been paid, and much, much more!  Start enjoying the convenience of Net Branch today! 


E-Statements are a safe fast, convenient, and secure way to receive your statements.  You get your statement sooner, since it is posted online before you would have received a paper statement.  There is no longer any danger of your statement being lost or stolen.  Our online archive lets you review past statements.  AND IT IS FREE!!!  Just go to NetBranch and click on the E-statement icon to begin the easy enrollment process.

Direct Deposit
Your "net" pay, retirement and government issued checks can be electronically transferred and deposited directly into your credit union account. Family members with access to direct deposit may also take advantage of this free, safe and timesaving benefit. Designate how you want your money divided between Checking and Savings or Loan Payments. It's the most convenient way to deposit money. Inquire with your Payroll Department of your company. They may require the following information before they can start direct deposit - Your Account Number, Routing and Transit Number for MidState FCU - 221274916

Payroll Deduction
If you are currently a member of one of our companies that offer payroll deductions, a portion of your net pay can be automatically deposited directly into your credit union account. This free service makes it convenient and hassle free to make loan payments and help you save or invest on a regular basis.

VISA Gift Cards
Accepted everywhere VISA is accepted!  Cards are secure-you'll have peace of mind knowing that the cards are replaced if lost or stolen. 
Minimum purchase-$10, Maximum-$500.  After Six (6) months, there is a $3/month dormancy fee.  The card has an expiration date, so use it quickly.  Can not be used at gas stations, hotels, or airlines.  Fee: $2.50 up to $250, $5.00 for $251 and over. Lost/Stolen replacement fee is $10.  Can be used internationally.  There is a 1% rate conversion fee added.

Wire Transfers
Electronic funds transfers (EFTs) allow members to transfer funds between institutions.

Investment Services

Investment planning services are now available to MidState Federal Credit Union members through Royal Alliance Associates, Inc., A registered NASD broker-dealer and SIPC member.  Stop by our office or call to set up an appointment to speak with Steve, the Royal Alliance financial advisor at 516-448-7200 and take advantage of the investment planning services and investment products now available to you.

Financial Services

  • Investment Planning
  • Retirement Needs Analysis
  • College Education Funding
  • Pension Consulting
  • Lump Sum Distributions
  • Tax-Free Investing
  • Estate Planning
  • Increasing Monthly Income
  • Diversification/Asset Allocation
  • General Securities Trading

Investment Products

Mutual Funds ,Variable products, Equity Investments, Bonds, Insurance Products

Royal Alliance Associates, Inc. Member NASD, SIPC. The products offered through Royal Alliance: (1) are not federally insured; (2) are not obligations of the credit union; (3) are not guaranteed by the credit union or any affiliated entity; and (4) involve investment risk, including the possible loss of principal.


Financial Education Balance Solutions offers education online and within the privacy of your own home. 

MidState Credit Union is dedicated to helping you realize your financial goals, which is why we are excited to announce your newest benefit of membership: BalanceTrack, an online personal finance education center.

BalanceTrack allows you to explore all of the essential elements of personal finance. Each of the learning modules listed is interactive with links to helpful resources and has a quiz to allow you to test your knowledge of the subject.


Our Current Savings & Loan Rates

Rates in effect as of 07/06/12 and subject to change without notice.
APR = Annual Percentage Rate. APY = Annual Percentage Yield.

Savings & Investment Accounts
Share Savings Account 0.10% 0.10%
Share Draft (Checking) Accounts 0.00% 0.00%
Holiday & Vacation Club Accounts   .15%   .15%
IRA Share Savings Accounts 0.25% 0.25%
Money Market Accounts-Please call the office for current rates.


Share Certificates
Call our credit union office for share certificate current rates and specials


All loan rates quoted are the lowest tier, if qualified
             Term            APR  
Signature Loan  
Line Of Credit  
New and Used Vehicle Loans (100% financing available)
                  12 months  
                36 months  



              60 months

                72 months
                84 months
New and Used Motorcycle Loans               New
Boat Loan               48 months
Trailer/Recreational Vehicle Loans
School Loans               7 years
Share Secured Loans               
Overdraft Protection Revolving account
  up to Max $1500.00   

VISA Platinum Classic/Credit Builder                        11.90% for both purchases and cash advances

VISA Platinum Preferred     5.90% for 12 months from opening, thereafter 9.90%.  If delinquent 60-90 days twice in a one year period, rate changes back to classic card rate of 11.90%                         



**Rates subject to change - call the Credit Union office for current rates.


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