1st MidAmerica Credit Union

Overview / Commentary
731 E Bethalto Dr
Bethalto, IL 62010

1st MidAmerica Credit Union is headquartered in Bethalto and is the 14th largest credit union in the state of Illinois. It is also the 460th largest credit union in the nation. It was established in 1934 and as of March of 2024, it had grown to 162 employees and 63,065 members at 10 locations. 1st MidAmerica Credit Union's money market rates are 5X the national average, and it 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, Shelby, or 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


No reviews have been left for this bank yet. Be the first to review.


Health Grade Components

NCUA #63932
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.62%
Return on Equity - YTD5.73%
Annual Interest Income$11.9MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$967.9MM$937.2MM
LoansQ1 2024vs Q1 2023$799.2MM$776.6MM
DepositsQ1 2024vs Q1 2023$798MM$773.9MM
Equity CapitalQ1 2024vs Q1 2023$104.1MM$97.7MM
Loan Loss AllowanceQ1 2024vs Q1 2023$9MM$8.5MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$4MM$2.6MM
Real Estate OwnedQ1 2024vs Q1 2023$0$16K
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not 1st MidAmerica Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.75%*$0$15kReward Savings
OTHER TIERS: 0.25% $15k+
0.10%$0-IRA Savings
0.05%$0-Regular Shares

1st MidAmerica Credit Union Money Market Rates

2.02%*$100k*-Money Market Deposit Account
OTHER TIERS: 1.76% $2.5k - $10k | 1.81% $10k - $25k | 1.92% $25k - $50k | 1.97% $50k - $100k

1st MidAmerica Credit Union Checking Account Rates

5.00%*$0$10kHigh Interest Reward Checking
OTHER TIERS: 0.25% $10k+
1.92%*$100k*-Elite Business Checking
OTHER TIERS: 1.81% $25k - $50k | 1.87% $50k - $100k
0.05%$0-Basic Business Checking

1st MidAmerica Credit Union CD Rates

5.05%$1k-7 Month CD Special
4.84%$1k-13 Month CD Special
4.32%$1k-21 Month CD Special
3.55%$1k-35 Month CD Special
3.03%$1k-59 Month CD Special
1.51%$1k-60 Month CD
0.95%$300-12 Month Youth Velocity CD
0.90%$1k-48 Month CD
0.85%$1k-36 Month CD
0.80%$1k-24 Month CD
0.75%$1k-18 Month CD
0.70%$1k-12 Month CD
0.60%$1k-6 Month CD

1st MidAmerica Credit Union IRA Rates

5.05%$1k-7 Month IRA Special
4.84%$1k-13 Month IRA Special
4.32%$1k-21 Month IRA Special
3.55%$1k-35 Month IRA Special
3.03%$1k-59 Month IRA Special
1.51%$1k-60 Month IRA
0.90%$1k-48 Month IRA
0.85%$1k-36 Month IRA
0.80%$1k-24 Month IRA
0.75%$1k-18 Month IRA
0.70%$1k-12 Month IRA
0.60%$1k-6 Month IRA

Cities: Alton, Bethalto, Decatur, Edwardsville, Godfrey, Granite City, Independence, Jerseyville, Troy, Wood River

Alton Branches
Branch Office3553 College AveAlton, IL 62002

Bethalto Branches
Branch Office731 E Bethalto DrBethalto, IL 62010

Decatur Branches
Branch Office202 E Ash AveDecatur, IL 62526

Edwardsville Branches
Branch Office1702 Troy RdEdwardsville, IL 62025

Godfrey Branches
Branch Office5301 Godfrey RdGodfrey, IL 62035

Granite City Branches
Branch Office3830 Nameoki RdGranite City, IL 62040

Independence Branches
Branch Office19301 E Valley View PkwyIndependence, MO 64055

Jerseyville Branches
Branch Office300 W County RdJerseyville, IL 62052

Troy Branches
Branch Office100 McDonald DrTroy, IL 62294

Wood River Branches
Branch Office1795 E Edwardsville RdWood River, IL 62095

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.