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 457th largest credit union in the nation. It was established in 1934 and as of June of 2023, it had grown to 161 employees and 63,417 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


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Health Grade Components

NCUA #63932
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD4.75%
Annual Interest Income$20.0MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$944.0MM$902.9MM
LoansQ2 2023vs Q2 2022$781.8MM$719.8MM
DepositsQ2 2023vs Q2 2022$773.2MM$765.6MM
Equity CapitalQ2 2023vs Q2 2022$98.7MM$92.6MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$7.3MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$3.5MM$4.7MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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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%*-$15kReward Savings
OTHER TIERS: 0.25% $15k+
0.10%--IRA Savings
0.05%--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

2.25%*-$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%--Basic Business Checking

1st MidAmerica Credit Union CD Rates

5.10%$1k-13 Month CD Special
4.84%$1k-21 Month CD Special
4.76%$1k-6 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

1st MidAmerica Credit Union IRA Rates

5.10%$1k-13 Month IRA Special
4.84%$1k-21 Month IRA Special
4.76%$1k-6 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

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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