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1st MidAmerica Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 14th largest credit union in the state of Illinois. It is also the 457th largest credit union in the nation. It was established in 1934 and as of March of 2025, it had grown to 165 employees and 63,364 members at 10 locations. 1st MidAmerica Credit Union's money market rates are 5X the national average, and it boasts 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

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #63932
Year Chartered1934
Employees165
Primary Regulator
Profit Margin
Return on Assets - YTD0.33%
Return on Equity - YTD2.97%
Annual Interest Income$13.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.02B$967.9MM
LoansQ1 2025vs Q1 2024$832.9MM$799.2MM
DepositsQ1 2025vs Q1 2024$837.7MM$798MM
Equity CapitalQ1 2025vs Q1 2024$113.7MM$104.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$9.7MM$9MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.5MM$4MM
Real Estate OwnedQ1 2025vs Q1 2024$118K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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
0.75%*$0$15kReward Savings
OTHER TIERS: 0.25% → $15k+
0.05%$0-Regular Shares

1st MidAmerica Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$1k-7 Month CD Special
4.06%$1k-13 Month CD Special
3.80%$1k-21 Month CD Special
3.55%$1k-35 Month CD Special
3.55%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$1k-7 Month IRA Special
4.06%$1k-13 Month IRA Special
3.80%$1k-21 Month IRA Special
3.55%$1k-35 Month IRA Special
3.55%$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
0.10%$0-IRA Savings
Locations


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

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