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1st MidAmerica Credit Union


Overview / Commentary
www.1stmidamerica.org
618-258-3168
731 E Bethalto Dr
Bethalto, IL 62010

1st MidAmerica Credit Union is headquartered in Bethalto and is the 13th largest credit union in the state of Illinois. It is also the 471st largest credit union in the nation. It was established in 1934 and as of December of 2021, it had grown to 167 employees and 68,302 members at 11 locations. 1st MidAmerica Credit Union has an A health rating.

Field of Membership Restrictions

Membership in 1st MidAmerica Credit Union is open to individuals who live or work in the Illinois counties of Bond, Brown, Calhoun, Cass, Christian, Clinton, DeWitt, Effingham, Fayette, Greene, Jefferson, Jersey, Logan, Macon, Macoupin, Madison, Marion, Menard, Morgan, Monroe, Montgomery, Moultrie, Piatt, Pike, Randolph, St. Clair, Sangamon, Scott, or Shelby, Washington, or in Jackson County, Missouri. Employees of the Olin Corporation, Alton Memorial Hospital, and more than 90 other Select Employer Groups also qualify for membership.
See current membership details

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Health
A

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #63932
Year Chartered1934
Employees167
Primary Regulator
Profit Margin
Return on Assets - YTD1.18%
Return on Equity - YTD10.5%
Annual Interest Income$29.6MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$860.0MM$825.8MM
LoansQ4 2021vs Q4 2020$663.7MM$654.8MM
DepositsQ4 2021vs Q4 2020$755.6MM$711.7MM
Equity CapitalQ4 2021vs Q4 2020$96.3MM$87.3MM
Loan Loss AllowanceQ4 2021vs Q4 2020$6.9MM$7.8MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$5.5MM$6.9MM
Real Estate OwnedQ4 2021vs Q4 2020$29.00K$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

1st MidAmerica Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--IRA Savings
0.05%--Regular Shares

1st MidAmerica Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$50k*-Money Market Deposit Account
OTHER TIERS: 0.10% → $2.5k - $25k | 0.15% → $25k - $50k

1st MidAmerica Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*-$10kHigh Interest Reward Checking
OTHER TIERS: 0.25% → $10k+
0.10%*$50k*-Elite Business Checking
OTHER TIERS: 0.05% → $25k - $50k
0.05%--Basic Business Checking

1st MidAmerica Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%$1k-60 Month CD
0.55%$1k-35 Month CD Special
0.45%$300-12 Month Youth Velocity CD
0.40%$1k-21 Month CD Special
0.40%$1k-48 Month CD
0.35%$1k-36 Month CD
0.30%$1k-24 Month CD
0.25%$1k-18 Month CD
0.20%$1k-12 Month CD
0.10%$1k-6 Month CD

1st MidAmerica Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%$1k-60 Month IRA
0.55%$1k-35 Month IRA Special
0.40%$1k-21 Month IRA Special
0.40%$1k-48 Month IRA
0.35%$1k-36 Month IRA
0.30%$1k-24 Month IRA
0.25%$1k-18 Month IRA
0.20%$1k-12 Month IRA
0.10%$1k-6 Month IRA
Locations

Availability



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