If you do not receive our emails, we strongly encourage you to JOIN OUR MAILING LIST. It’s the easiest way for us to communicate recent updates with you, and provide financial education throughout the year.


CEO Update

Dear Member-Owners,

Our lobbies will reopen on June 8th. The following are changes in our procedures to maintain the health and safety of staff and members:

  • Credit union hours will resume to Monday, Tuesday, Thursday & Friday 8:30 am to 5:00 pm, and Wednesday 9:30 am to 5:00 pm for phones, drive-up and lobbies.
  • Clear plexiglass barriers have been installed at the teller lines.
  • Floor decals have been installed to encourage social distancing.
  • We’ve removed everything from the lobbies that can’t be appropriately sanitized.
  • Lobbies will be limited to 3-4 members at any given time depending on the branch size. If you see that we’ve reached maximum capacity, we kindly request that you wait in your vehicle until a member exits the lobby.
  • Sanitizing stations have been installed in the lobbies for your convenience.
  • Staff will be disinfecting surfaces frequently.
  • Appointments are required for any nonstandard service, such as loans, new accounts, and accessing safe deposit boxes. All new member and loan applications will be done online. Consultations will be done via the telephone. Feel free to ask for video conferencing if you prefer.
  • Staff will be wearing face coverings for your protection. Members are encouraged to wear a face covering but will be asked to temporarily remove their face covering for identification purposes. If you do not wish to wear a face covering, please consider using the drive-thru.
  • Public restrooms will not be available for use at either location. We’re working on a plan to upgrade our restroom facilities to ensure our staff and member safety.
  • Drinking fountains will not be available for use at either location.
  • Coffee stations will not be available for use at either location.
  • Check stands will not be available for use at either location.
  • Please remove all hats, caps or sunglasses prior to entering the branch.

Please visit our COVID-19 page to find the most current information as it relates to our efforts to protect our members, staff, and our community during this crisis. We also encourage you to follow us on our social media channels for timely updates.


Holly Luca, CCUE, CCUFC
Chief Executive Officer | NMLS: 586712


UPDATE:  Coronavirus Aid, Relief and Economic Security Act, commonly referred to as the CARES Act


The #EmergencyReliefFund is helping Iowans who have been financially impacted by COVID-19. These are small business owners, your neighbors, friends and fellow Iowans in need of support due to job loss, layoffs or other financial impacts. Thousands of applications for assistance have been received. Please consider a donation that will go directly to Iowans in need.

#PeopleHelpingPeople #WeDoMoreTogether


We’re a proud contributor to the Iowa Credit Union Foundation’s Emergency Relief Fund. Grants will be provided to individuals and businesses in Iowa that are being financially impacted by the pandemic.  Note:  The application is now closed, however, we are still focusing efforts on fundraising in order to award as many grants as possible to the eligible applicants we have.

If your income has been disrupted, we’re here to help.

We understand that our members may be experiencing disruptions in their workplaces that are resulting in lost wages. We stand ready now to assist those members experiencing financial difficulty.  If your income has been disrupted because of COVID-19 and you’re concerned about financial hardship, we encourage you to contact our loan department to discuss which option of our COVID-19 Financial Assistance Program is best for you.


Personal Solutions

  • Checking Account Line of Credit Loan
  • Personal Loan
  • Share Secured Loan
  • Certificate Secured Loan
  • One Time Payment Term Loan

Business Solutions

In this time of uncertainty, our commitment to your financial well-being is stronger than ever.  If you have friends or family members needing solutions, we invite you to share the details about our COVID-19 Financial Assistance Program.

To learn more about our COVID-19 Financial Assistance Program, call or text us at 515-645-9334, apply online, or complete the online contact form.


Midland Credit Union Staff

03/20/20 – 1:30 pm

Message from Holly Luca, CEO

You and your family may be worried about the coronavirus disease (COVID-19), but the leadership at Midland Credit Union wants you to know we are here for you as we always have been. Your deposits remain safe and insured as they always have been. We’re not going anywhere, because, at its core, our credit union is not a building or a business, it’s people unified for a common goal.

 Your money is safe and insured

There are a lot of things to worry about these days, but the safety of your money in your credit union isn’t one of them. There are a lot of myths concerning the financial industry being posted to social media these days amongst everything else we have to worry about. Your money is safe at your credit union, and your accounts are and always have been fully insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000.  There is no risk to keeping money in your account, but there are countless risks to holding cash at home.

COVID-19 has canceled, postponed, and slowed down much of American life, but the nation’s financial system operations remain strong. You can meet nearly all of your financial needs without leaving your home. If you do not have it on your mobile phone, now is a good time to download our mobile app from your app store, and don’t forget the Shazam Bolt$ app, our fraud protection app for your debit card. You can transfer, deposit money, and pay bills through our mobile app. Although we are experiencing difficulty today with our mobile and online platforms, we assure you, we are working diligently to fix these issues. We have also added more staffing to our phone lines to ensure all members receive the help they need with their accounts. Feel free to reach out to any staff member at your credit union with questions and/or your needs. Please ensure you are signed up for our e-Lerts mailing list. This is the best way we have to communicate with you quickly.

If you’ve been impacted by this pandemic, our staff is dedicated to working with and helping you through these uncertain times. Never hesitate to reach out to us. Now, more than ever, we are here to support our members.

Chief Executive Officer | NMLS: 586712

03/20/20 – 10:49 am

Avoid Coronavirus-Related Scams

The rapid pace of change surrounding the COVID-19 outbreak has created an environment of confusion for many. Unfortunately, there are already reports of thieves trying to capitalize on that uncertainty in hacking and phishing attacks. As you seek out the coronavirus information, be sure to use your best judgment and keep the following in mind…

Make sure your source is reputable. Scammers are now sharing social media links that claim to provide COVID-19 information. In reality, they’re phishing attempts to steal your browser data and logins. Make sure you are visiting trustworthy news and information websites in the coming months. Bookmark your favorites to ensure they’re legitimate.

We will never call you and ask for account information. If you receive an unsolicited call or text from our number that asks for your personal info or online banking login, email or password, that’s not us! The credit union will always ask you to call us directly at the number you know in order to help you with your account. No matter what the caller ID says, it’s not us if you’re asked for this sensitive information. Never share your password with anyone.

The government won’t ask for your sensitive data, either. Concerns over temporary social rules and the talk of economic assistance programs have given hackers many opportunities to solicit clicks. While it may be tempting to read urgent-sounding links about quarantines or giveaways, make sure they’re coming from a trustworthy place. In some cases, hackers will claim to be from a federal agency like the Center for Disease Control (CDC) or the State of Iowa. If it doesn’t lead to a website ending in .gov, it’s not a federal or state website. Some local and municipal governments have different website standards, so make sure you’ve got the real deal in your bookmarks. When in doubt, give them a call.

Ultimately, the best policy for avoiding scams is simple – don’t open links in emails you weren’t expecting. If you have any questions about your account or credit union services, you can always give us a call directly at (515) 278-1994 or visit our website.


Members who use Shared Branching services are instead encouraged to use our online and mobile services as much as possible during this time.  Most credit unions are closing their in-person lobby service, and shared branching transactions are not provided via the drive-thru. If you have any questions or need help using our online and mobile services, please call us. Thank you!



As containment procedures for COVID-19 create increasing uncertainty, we want you to know about specific actions we’re taking to minimize service disruptions. If you find you are being disproportionately affected by reactions to the coronavirus, you may be eligible for special relief measures if your Midland account is currently in good standing. These accommodations will not be made automatically – you will need to contact the credit union directly.

Here is what you should know:

1) Beginning Tuesday, March 17 and until further notice, Midland Credit Union will be closing the lobbies at both branch locations. However, we will continue to provide service via the drive-up lanes between the hours of 8:30am-5:00pm, Monday through Friday.

For the safety of our members, staff, and families, we strongly encourage all members to practice social distancing by using electronic services for financial transactions and limit branch visits until further notice. Midland offers many convenient online services which you can review here.

2) As a reminder, members who have paid-ahead on existing Midland loans may defer their next payment until the “payment due date” listed.

3) Members with unemployment debt protection on their loans may file a claim as long as they are collecting unemployment benefits from the state. Earlier today, Iowa Governor Reynolds announced a temporary expansion of who can qualify for these benefits. Learn more here.

4) Midland Credit Union is prepared to waive late fees on members who are directly affected by this outbreak. Contact us for more information, and when possible, in advance of your need.

5) Midland is prepared to offer a 1-3 month loan payment extension to members who are directly affected. Contact us for more information and at least 5 days prior to your payment due date.

Again, if you will be financially impacted by COVID-19 and need supplementary financial assistance, please contact the credit union directly at (515) 278-1994. You can also email us at , or simply visit the “Contact Us” page on our website. It is important that you contact us in advance of your need – please do not wait until you have been financially impaired. Our goal is to help you avoid the stress of financial impact.

We are closely monitoring this quickly developing COVID-19 situation and will continue to update as necessary. We appreciate your patience and continued cooperation to ensure the safety of our members, staff, and families.



Dear Member-Owners:

We are closely monitoring this quickly developing situation regarding COVID-19 and would like to update you on the safeguards we are taking to ensure the health and safety of our members and staff.



For the safety of our members, staff, and families, we strongly encourage all members to practice social distancing by using electronic services for financial transactions and limit visits to branch lobbies until further notice. Please consider using the following for your financial transactions:

The drive-thru windows and night drop boxes at the Urbandale and Pleasant Hill branches are also available. If you need assistance enrolling in or using any of these electronic services, please visit our website for easy to follow instructions or call the credit union.



We’ve implemented the following procedures with staff to protect members, staff and families.

  • Wash hands often
  • Stay home if sick
  • Clean and disinfect surfaces frequently
  • Cover coughs and sneezes with a tissue
  • Practice social distancing



If you find yourself facing financial difficulties due to the effects of the Coronavirus, please contact the credit union to discuss how we can help.

We are well prepared to respond to the possible impact of the Coronavirus outbreak. Please visit for updated information. If you have specific questions about our efforts to minimize the potential impact, please contact us at 515-278-1994.


Midland Credit Union Staff