Certificate Secured Loans
A certificate secured loan is secured against a certificate’s value rather than the funds in a savings account.
A certificate secured loan is secured against a certificate’s value rather than the funds in a savings account.
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.
Payday loans can help you avoid the worry that comes with missing important bills, having checks bounce, or having your credit score damaged.
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.
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).
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.
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.
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.
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.
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
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.
Apply now from your computer, mobile phone, tablet, or in person with one of our friendly loan officers. More questions? Contact Consumer Loans here
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!
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.
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!
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.
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.
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.
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!
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
While paying bills is an important monthly process, it’s easy to spend too much time on it, wasting hours stamping and addressing envelopes and dropping them off at the nearest post office.
In addition to allowing you to schedule payments, save postage, save time, and avoid fraud, our bill pay option saves you from the hassle of paying them manually. Plus, you only need to remember your login to e-Teller, our online banking system.
Watch your points add up every time you make a purchase through your Midlandmidas Digital Bank credit card*. Members are auto enrolled in uChoose Rewards right away, and current members began earning points in April of 2020.
All you need to do is register your card and set up a username and password.
You earn points for all your purchases – but you can give your points a boost by shopping at participating retailers!
Whether online or in-store, in your neighborhood or across the country, you can reach your reward goal faster with special offers from featured merchants – up to 10 points per $1 and more.
Visit uChooseRewards.com for the latest offers and a full list of participating retailers. You’ll find offers from local restaurants, auto repair shops, clothing stores and more, as well as online retailers. Once your account is registered, you’ll also receive exclusive offers via email. Simply activate these offers to earn more points at all your favorite stores.
Owning a business can be demanding – from tracking inventory and supervising employees, to taking orders and everything in between. That’s why we’ve teamed up with Clover®, an all-in-one point-of-sale system that can help transform your business with payment processing and business management solutions, customized just for you.
Accept more types of payments, including: EMV® chip cards, Apple Pay®, Google Pay, and Samsung Pay®
Here’s a few examples of what you can accomplish everyday:
• Minimum Balance: $500
• Maximum Balance: PFD Amount (Immediate family PFDs may be combined into one CD account)
Open a Savings Certificate Online now by contacting support
If you’re like most people, you have documents that are very important to you. Document safety is a top priority in making sure your important information doesn’t get lost or fall into the hands of others. With our safety deposit boxes, you can store auto titles, insurance policies, birth and marriage certificates, and social security cards.
You can also store jewels, family heirlooms, and other physical valuables. If an item is small enough to get lost and difficult to replace, putting it in a safe deposit box can ease your mind.
Join Prestige to take advantage of this lifetime discount on a Safe Deposit Box.
If you have found fraudulent transactions on your credit or debit card statement, please contact support immediately to fill out a fraudulent transaction dispute form as well as an affidavit form to make it easier to process your fraud claim. You must report the fraud within 60 days of the statement issue date. Once the report is received, these requests are submitted to VISA, who can take 45 days or longer to resolve the claim.
We monitor fraud trends by reviewing Visa transaction activity and fraud reports. When we identify a fraud outbreak, we take action to minimize financial damage to the credit union and our members.
Midlandmidas Digital Bank is here to help if you’ve experienced fraud and you want to prevent it from happening again.
We have taken the necessary steps to provide our members with state of the art security for viewing online banking transactions in e-Teller, our online banking platform. We also take steps to ensure phone transactions are secure and identifiable.
Encryption, one of the primary online security methods in use today, encodes a message so it can’t be intercepted and read during transit. A Verisign™ Digital Certificate and your browser’s Secure Socket Layer (SSL) ensure 256-bit encryption of your banking transactions.
Request for more about our Online Security Steps that help keep our members, their transactions, and the credit union itself safe.
Phone scams are becoming increasingly sophisticated and frequent. To combat this trend, we take phone security very seriously. We will never request personal, identifiable information from you over the phone.
We STRONGLY RECOMMEND that you set a phone password. This will allow us to easily identify you, so we can quickly move on to serving your banking needs. Your phone password must be set with a member service representative.
If you do not have a password set, our policy is to identify you with out-of-wallet questions (meaning, we do not ask about information that could be found on your drivers license or in your wallet).
In the case of a lost or stolen card, please contact Midlandmidas Digital Bank immediately.
If you have suspicious activity on your accounts, Midlandmidas Digital Bank will instantly notify you through a Fraud Protection Alert email, 24/7 hours a day. Our fraud alert system will also reach out through text notifications and calls depending on the contact information we have on file, and the time of day when the fraud alert was triggered.
If you have additional questions about our fraud alert system, please contact our Help Center
In the case of a possibly compromised card, contact Midlandmidas Digital Bank right away using the livechat channel or contact support email. Our Member Service Representatives can also help you during branch hours.
Properties are sold through a bidding process. The price and availability of any listing can change without notice. Vehicles listed are available for viewing between the hours of 10:00am and 5:00pm Monday through Friday at our Fairbanks Branch location. For any questions or to make an appointment to view a listing, please contact support and ask for the collections department.
Disclaimer: All items are "AS IS, WHERE IS" and without warranties or guarantees expressed or implied and that the risk as to the quality and performance of said item transfers and remains with the buyer and not with Midlandmidas Digital Bank. Midlandmidas Digital Bank reserves the right to refuse any and all bids and offers. All bids are in USA currency and paid for in cash, transfer or certified funds.
We’d love to help! Just give us your name, phone number, and email address and we’ll contact you as soon as possible!
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!
Attention! You are now leaving the Midlandmidas Digital Bank website. We do not control the security or privacy practices used at the following website. Periodically, Midlandmidas Digital Bank's website may include information from third parties and/or links to other websites. Midlandmidas Digital Bank does not make any warranties, express or implied, regarding any third party information or links to alternate websites. In addition, Midlandmidas Digital Bank assumes no responsibility for the accuracy or reliability of the content provided by third parties. If you click "CONTINUE", an external website will be opened in a new browser window. If you click "CANCEL", you will be returned to the this website.