About Us

How Midlandmidas Digital Bank Can Serve You

If you’re looking for a digital bank that gives peace of mind, you’ve come to the right place. Here at Midlandmidas Digital Bank, we’re dedicated to serving the local community and helping our members keep their money safe, sound, and under control.

Established in 2012, Midlandmidas Digital Bank is the largest locally-owned and operated digital bank in Fairbanks. All of our branches are in town, as well as our lending departments and leadership staff. Today, Midlandmidas Digital Bank serves approximately 9,000 members and we’re looking forward to another 50 years of excellent service to our community.

Our Mission Statement

Through empowered professional staff, community involvement, and innovation, Midlandmidas Digital Bank provides its members with superior service, stability, and profitable growth. As the largest locally owned and operated digital bank in Fairbanks, we are committed to providing you with state-of-the-art technology and the best service possible to meet your individual financial needs.

Annual Meetings

We hold our Annual Meeting in April or May of every year. Look for notifications of the date on your statement, in branches, and on this website.

e-Teller Login

Open Midlandmidas Digital Bank Account


Payday Loans

Sometimes it is easy to get caught with expenses due while waiting on your next paycheck. When this happens, many people find themselves looking for a quick solution. While some lenders take a predatory approach and require people who are in this tough spot to put up their assets as a means of getting a loan, a regulated payday loan is a much better solution.

A short term loan to cover expenses between paychecks

  • Comparatively low loan fees.
  • Less stringent credit requirements.
  • Easier and safer to get the help you need between paychecks.
  • No collateral required.
  • Avoid excessive fees to alternative payday lenders.

Payday loans can help you avoid the worry that comes with missing important bills, having checks bounce, or having your credit score damaged.

  • One-month membership required prior to approval
  • Competitive Fixed Interest Rate of 28% APR* (compare to other payday lenders)
  • $20 fee for application
  • Loan terms ranging from one to six months
  • Loans ranging from $200-$1,000*
  • Same-day funds in most cases

Apply now from your computer, mobile phone, tablet, or in person with one of our friendly loan officers. More questions? Contact Consumer Loans here

*APR = Annual Percentage Rate. Payday Loan term and amount based on approved credit. Interest rates on new Payday Loans are subject to change at any time.

Refer to our Pricing Guide for transaction and activity fees, as well as credit union membership fees. A loan processing fee of $35 will be charged per signer. Other loan fees and terms may vary, and will be disclosed at the time of the loan verbally and in the loan disclosures.

 

Personal Loans

Sometimes a personal expense can catch you off guard. When you have an emergency like a car problem or need to take a sudden trip you didn’t plan on, it can be difficult to find the appropriate funds. We offer both personal loans and loans on other collateral that you own (besides a car, toy or recreational vehicle).

A fixed interest rate, fixed term loan for personal use

  • Fixed interest rate
  • Fixed term
  • Up to $15,000 on a personal loan*
  • Other collateral loans also available
  • Same-day funds in many cases

When you have to make quick decisions, this type of loan can be a great solution. You can get the money you need for whatever situation has occurred. Loan amounts are based on income, credit history, and ability to repay.

Apply now from your computer, mobile phone, tablet, or in person with one of our friendly loan officers. More questions? Contact Consumer Loans here

*Amount based on approved credit and applicant’s income.

Loan fees and terms will vary, and will be disclosed at the time of the loan verbally and in the contract.

Certificate Secured Loans

The length of these loans depends on the certificate’s maturity date, so they’re ideal for people who are trying to get loans but running into difficulty because they have no credit or damaged credit. Because it’s your money being used as collateral for the loan, there is lots of flexibility on how high or low you want your payment.

Because the certificate’s rate is fixed, the loan rates aren’t variable and come at a low 3% above the certificate dividend rate.

A certificate secured loan is secured against a certificate’s value rather than the funds in a savings account.

  • If you’re struggling to build or repair your credit, a Certificate Secured Loan can be a credit builder and a smarter approach than a costly, high-interest credit card.
  • Secured loans offer less potential for misuse.
  • A smart way to build credit with little risk.
  • The loan’s terms can’t exceed the certificate’s maturity date, which places some restrictions on these loans.
  • Eliminate the need for a co-signer by putting your funds in your certificate to good use!

Apply now from your computer, mobile phone, tablet, or in person with one of our friendly loan officers. More questions? Contact Consumer Loans here

*Annual Percentage Rate is on approved credit. Loan fees and terms may vary, and will be disclosed at the time of the loan verbally and in the contract. See the Rates tab on this page for complete rate and fee details.

Share Secured Visa Card

When you have problems with your credit, it makes life more difficult.

If you haven’t built up a credit score or your credit score has been damaged, a secured Visa can be a great option for creating or repairing credit. This type of secured card is designed for those who lack the credit to get a traditional Platinum or Classic card.

A secured credit card designed to build or repair your credit

  • Credit limits as low as $250 available
  • Build or repair your credit
  • Simple approval process
  • All the protections and benefits of VISA
  • No annual fee during the first year

Earn Rewards with your Credit Card!

Midlandmidas Digital Bank and uChoose Rewards® give you more flexibility and choice than ever when it comes to redeeming reward points for stuff, including cash back!

You can choose from millions of options like merchandise, travel experiences and activities, event tickets, merchant gift cards, cash and more, just by using your Midlandmidas Digital Bank debit card every day... Read More

Apply now from your computer, mobile phone, tablet, or in person with one of our friendly loan officers. More questions? Contact Consumer Loans here

Share Secured Loans

Good credit is required for almost any major financial step. Buying a car, taking out loans, and even renting an apartment can require you to have a decent credit score. We can help you build credit, and can even accomplish a share secured loan with little to no savings on your part if you are really strapped for cash.

A share secured loan involves your own money “securing” the loan in a Midlandmidas Digital Bank savings (also known as a share) account. We create a loan with fixed payments by lending you the same amount that we are holding in the account. This makes it easy for you to establish credit if you’re a teenager or a college age individual. In addition to being a credit builder, it is also great for credit repair.

Effectively build or repair your credit with a share secured loan.

  • APR* rate of 3% above the dividend rate on the savings share.
  • With every payment, the amount of the savings on hold is adjusted.
  • Funds on hold in savings still earn interest.
  • Establish credit for the first time.
  • Build credit regardless of your score.

Apply now from your computer, mobile phone, tablet, or in person with one of our friendly loan officers. More questions? Contact Consumer Loans here

Improving Our Impact

At Midlandmidas Digital Bank, our policy is to improve environmental quality through wise business decisions. Our efforts include generating our energy through solar panels and conserving energy through meeting Green Star standards. We also are Going Green by reducing or eliminating waste and reducing paper use.

We believe that our responsibility to reduce our footprint is compatible with successful business objectives. Improving our productivity and efficiency requires regular review of operations, but we believe it can be done…and are doing it every day!

Green Solar Panels

We have solar panel arrays at our branches and these solar panels are the core of our Go Green program.

Our solar panels, at peak performance, generate 11.5 kWp. Both panels include equipment for connection to GVEA’s SNAP program. All of the power we generate cycles back into SNAP. SNAP links local people and businesses who want to produce renewable energy, such as solar and wind power, with local members who want to buy renewable power.

Going Paperless

Midlandmidas Digital Bank went paperless by converting to an electronic record retention system, with cutting edge security and backup. Amazingly, we removed a vast majority of our filing cabinets, over 60 of them! Our basement is looking much cleaner these days. Due to the conversion, all of our documentation is now scanned and stored on secure servers, and we can make them available to our members anytime too.

Our employees are happy to exchange electronic documents with our members once they have verified their identity. So email away!

Midlandmidas Digital Bank | Community Involvement

From donations to sponsorship, we seek to uplift our community.

We believe community contributions of all kinds are important, which is why we have made donations to dozens of organizations and events.

Midlandmidas Digital Bank also contributes to our schools and provides support for great non-profits such as those in Resource Agency and Youth Advocates/The Door who are working hard to improve our community and make life better for everyone.

Making a difference in the place we live and love

  • Provide major sponsorship to iconic organizations
  • Support our school system & sports teams
  • Provide in-kind banner printing and advertising to non-profits
  • Display local events on our video board
  • Provide free financial education opportunities to schools and organizations

ATM Project Update

We are excited to announce that our ATM upgrade project is 99.9% complete and that all branches and kiosk ATMs are now functional with brand new machines. Our team has worked diligently to replace and upgrade each ATM, ensuring that they are equipped with the latest technology to better serve you.

New ATM Features

Coming Soon

What is an ITM?  

In the coming months, these new machines will transition from ATMs to ITMs (Interactive Teller Machines). The ITMs will have all the same functionality as an ATM but will give you the option to speak to a live person on the screen if you need additional assistance or have more complex banking tasks.

New spaces have been designed in our branches to provide more privacy for ITM use. Both spaces will have glass enclosures to create physical space and sound dampening for your private banking conversations between you and the on-screen teller.

Thank You!

We thank you for your patience during this project as we have experienced delays related to supply chain and unforeseen circumstances and we hope that the new ATMs will provide you with a better banking experience. If you have any questions or concerns, please do not hesitate to contact our member service team.

Thank you for choosing Midlandmidas Digital Bank, and we look forward to continuing to serve you in the future!

Banzai - Financial Wellness Learning Center

Explore financial concepts for any age group, and empower yourself to learn with Banzai!

Honoring our commitment to financial education

Midlandmidas Digital Bank is proud to offer Banzai to our membership, teachers and community at no cost to you.

Take an online course to learn crucial financial concepts, in a fun, choose-your-own adventure style! Choose a real-life scenario: Banzai Junior, Banzai Teen, and Banzai Plus for adults.
Available in English and Spanish

Bill Pay

Earning & Redeeming Points

Merchant Services with Clover®

PFD Savings Certificate Special

Safe Deposit Boxes

Help us protect your money

Protect your money

Own property with ease

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I need help

We’d love to help! Just give us your name, phone number, and email address and we’ll contact you as soon as possible!

    For your security, do not include sensitive information, such as Social Security numbers or account numbers, in your message. If you need to communicate with us about sensitive information please use the Message Center in e-Teller, your online banking application, or call us during regular business hours so we can verify your identity. For other inquiries, send us a message here and we're happy to help!

I have a question

We’d love to answer your questions! Just give us your name, phone number, and email address and we’ll contact you as soon as possible!

    For your security, do not include sensitive information, such as Social Security numbers or account numbers, in your message. If you need to communicate with us about sensitive information please use the Message Center in e-Teller, your online banking application, or call us during regular business hours so we can verify your identity. For other inquiries, send us a message here and we're happy to help!

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