Holiday Open House Friday, December 13 | 11am-2pm Stop in for holiday refreshments and a gift! Please bring a donation for the local animal shelter. Checking Accounts that Pay You! Receive $300 for opening a new Kasasa Checking Acco nt with m rewards 5% APY* or Cash Back on debit card purch ses, o choose! Refunded ATM fees too! t Home Equity Loans Rates a low as % P r 5 yea, lus up to $,0 off closing o MIDMINNESOTA FEDERAL CREDIT UNION Join Dianna, Amber, Becky, Brandy, and Katie in celebrating the holidays! PEQUOT LAKES | 30563 Patriot Ave | (218) 568-8450 | mmfcu.org Dianna Boyer Pequot Lakes Branch Manager *APY= Annual Percentage Yield. The $300 bonus for a new Kasasa checking account will be earned after 60 days if account qualifiers are met. The $300 bonus will be paid within 30 days of meeting the requirement (approximately 90 days after opening the account). No minimum balance is required to earn the bonus or open a Kasasa account. The $300 bonus is reportable income for which you will receive a tax document. A $300 penalty will be imposed if the checking account is closed in the first six months. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your accounts qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $10,000 receive APY* of 5%; and balances over $10,000 earn 0.15% APY Kasasa Cash Back: 2% cash back on PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8 cash back may be earned per Monthly Qualification Cycle. ATM Fee Refunds: you will receive reimbursements up to $25 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.01% APY*, cash back payments are not made, and ATM fees are not reimbursed. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. No minimum deposit is required to open a Kasasa account.Qualifications and rewards may vary by account. *APR=Annual Percentage Rate. Subject to credit approval, not all applicants will qualify. Loan amounts will be determined by income and other factors, including collateral details. The rate shown is the lowest Home Equity Rate available and your rate may be higher. Properties can be 1-4 single family owner and non-owner-occupied homes or land. For Combined Loan to Value's up to 80%, Maximum loan amount is $200,000. For Combined Loan to Value's up to 85%, Maximum loan amount is $100,000. Maximum Combined Loan to value is 90%. Eligible for homes in Minnesota only. Consumer should contact tax advisor for further information. An example payment is: 5.49% APR over 60 months would be $19.14 per $1,000 borrowed. Rates are subject to change at any time without notice. Closing costs range from $500 to $2000. Waived closing costs up to $1000 on home equity applications. Homeowners insurance is required for all 1-4 single family properties. Full appraisal and Jr Title Policy required on all properties over 80% Combined Loan to Value or Over $100,000 loan amount. Federally insured by NCUA. Equal Housing Lender. Rates as of 11/8/24. Holiday Open House Friday , December 13 | 11 am-2pm Stop in for holiday refreshments and a gift ! Please bring a donation for the local animal shelter . Checking Accounts that Pay You ! Receive $ 300 for opening a new Kasasa Checking Acco nt with m rewards 5 % APY * or Cash Back on debit card purch ses , o choose ! Refunded ATM fees too ! t Home Equity Loans Rates a low as % P r 5 yea , lus up to $ , 0 off closing o MIDMINNESOTA FEDERAL CREDIT UNION Join Dianna , Amber , Becky , Brandy , and Katie in celebrating the holidays ! PEQUOT LAKES | 30563 Patriot Ave | ( 218 ) 568-8450 | mmfcu.org Dianna Boyer Pequot Lakes Branch Manager * APY = Annual Percentage Yield . The $ 300 bonus for a new Kasasa checking account will be earned after 60 days if account qualifiers are met . The $ 300 bonus will be paid within 30 days of meeting the requirement ( approximately 90 days after opening the account ) . No minimum balance is required to earn the bonus or open a Kasasa account . The $ 300 bonus is reportable income for which you will receive a tax document . A $ 300 penalty will be imposed if the checking account is closed in the first six months . Reward Information : Rewards vary by account . Depending on what Kasasa account you open , you will receive the following rewards when you meet your accounts qualifications during a Monthly Qualification Cycle : Kasasa Cash : Balances up to $ 10,000 receive APY * of 5 % ; and balances over $ 10,000 earn 0.15 % APY Kasasa Cash Back : 2 % cash back on PIN - based / signature - based debit card purchases that post and settle to the account during that cycle period . A maximum of $ 8 cash back may be earned per Monthly Qualification Cycle . ATM Fee Refunds : you will receive reimbursements up to $ 25 ( $ 4.99 per single transaction ) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified . When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.01 % APY * , cash back payments are not made , and ATM fees are not reimbursed . Rates and rewards are variable and may change after account is opened . Fees may reduce earnings . Additional Information : Account approval , conditions , qualifications , limits , timeframes , enrollments , and other requirements apply . No minimum deposit is required to open a Kasasa account.Qualifications and rewards may vary by account . * APR = Annual Percentage Rate . Subject to credit approval , not all applicants will qualify . Loan amounts will be determined by income and other factors , including collateral details . The rate shown is the lowest Home Equity Rate available and your rate may be higher . Properties can be 1-4 single family owner and non - owner - occupied homes or land . For Combined Loan to Value's up to 80 % , Maximum loan amount is $ 200,000 . For Combined Loan to Value's up to 85 % , Maximum loan amount is $ 100,000 . Maximum Combined Loan to value is 90 % . Eligible for homes in Minnesota only . Consumer should contact tax advisor for further information . An example payment is : 5.49 % APR over 60 months would be $ 19.14 per $ 1,000 borrowed . Rates are subject to change at any time without notice . Closing costs range from $ 500 to $ 2000 . Waived closing costs up to $ 1000 on home equity applications . Homeowners insurance is required for all 1-4 single family properties . Full appraisal and Jr Title Policy required on all properties over 80 % Combined Loan to Value or Over $ 100,000 loan amount . Federally insured by NCUA . Equal Housing Lender . Rates as of 11/8/24 .