Banking for Real Life
Life Happens® – We can help.
Introducing a collection of lending and banking solutions, specifically for those with less than ideal credit, and perfect for businesses experiencing emergencies in the current crisis.
Designed for life’s ups and downs, our Life Happens® product suite was built to help give the most people a shot at winning. We believe everyone should have access to mainstream capital, even those whose credit is less than credit worthy. We believe lending a helping hand up, because we know that LIFE HAPPENS to all of us.
Lending Solutions
When unexpected expenses arise, you need quick access to funds you can count on. Our emergency lending and financing solutions are designed to provide fast, flexible support when life takes an unexpected turn.
Small Business Emergency Assistance Loans
Get quick financial assistance during unforeseen circumstances with our Small Business Emergency Loans. Designed to provide immediate support and keep your business afloat during emergencies or unexpected disruptions.
Personal Emergency Assistance Loans
Designed to help our community members in times of need. If you have been affected by a natural disaster, we offer this unsecured loan with no payments for the first 45 days to help you get back on your feet.
Credit Booster Loan
If your credit has been damaged, or you don’t yet have a credit score, our Credit Booster Loan may be able to help get you back on track with flexible term and payment options.
100% Mortgage Financing
A USDA home loan is a government-backed mortgage designed for low- to-moderate-income borrowers in rural and suburban areas. It offers benefits like no down payment, competitive interest rates, and lower mortgage insurance costs
Banking Solutions
Building financial confidence starts with the right tools. These products are designed to give you convenient access to funds while helping you establish or strengthen credit. With flexible options and reliable support, we make it easier to manage everyday expenses and take important steps toward your financial goals.
Life Happens® Checking
Our Life Happens® Checking helps customers who are trying to establish or rebuild their financial history by offering an FDIC-insured checking account designed to help you manage your money with powerful technology and limited fees.
Secured Credit Cards
Our secured credit cards help businesses and consumers establish or repair credit with deposit secured funds, no annual fees and no introductory periods.
Overdraft Line of Credit
An Overdraft Line of Credit helps you manage your expenses while also safeguarding you from fees in the event your Midwest BankCentre account balance drops below zero.
Where You Bank MattersTM
Midwest BankCentre’s values are at the heart of everything we do. If you want to amplify your impact on our community, we invite you to Bank Your Values with us.
Community Impact
Dollars placed with Midwest BankCentre create a ripple effect in our regional economy, helping people buy homes, start and scale businesses and meet everyday needs.
Shared Prosperity
Midwest BankCentre is a national leader in community and economic development. We bring access to reasonably priced capital to historically underserved markets, helping more people in our region dream big and achieve more.
Service to Others
Our team is dedicated to serving — both our clients and our community. In addition to going above and beyond for our clients, employees volunteer more than 2,500 hours annually and serve on 80+ local nonprofit boards.
Diversity, Equity, and Inclusion
Our leadership and staff reflect the communities we serve. By embracing diversity in people, geography, and products, we spark innovation that allows us to better understand and serve all of our customers.
Discover the power of banking local.
By choosing Midwest BankCentre, you gain a financial partner you can rely on. Plus, your funds stay local, contributing to the growth and prosperity of the region. It Matters Where You Bank.