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Join Midwest Members CU by simply opening a savings account with a minimum $5 deposit. Savings accounts offer competitive rates that are compounded and paid monthly. Deposits can be made by payroll deduction, direct deposit, ATMs, night depository, mail and in person. For absolute safety, your deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency. Accounts over $250,000 receive additional coverage of $250,000 from Excess Share Insurance, a private insurer. IRA and KEOGH accounts are insured separately up to $250,000