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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 447th largest credit union in the nation. It was established in 1934 and as of December of 2020, it had grown to 193 employees and 67,023 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 2020

Learn why bank health matters

Health Grade Components

Overall
NCUA #63932
Year Chartered1934
Employees193
Primary Regulator
Profit Margin
Return on Assets - YTD0.37%
Return on Equity - YTD3.44%
Annual Interest Income$32.1MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$825.8MM$744.7MM
LoansQ4 2020vs Q4 2019$654.8MM$644.8MM
DepositsQ4 2020vs Q4 2019$711.7MM$649.3MM
Equity CapitalQ4 2020vs Q4 2019$87.3MM$84.2MM
Loan Loss AllowanceQ4 2020vs Q4 2019$7.8MM$6.3MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$6.9MM$7.6MM
Real Estate OwnedQ4 2020vs Q4 2019$0$56.00K
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%*-$10kKasasa Cash
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
0.70%$1k-60 Month CD
0.50%$1k-48 Month CD
0.45%$300-12 Month Youth Velocity 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
0.70%$1k-60 Month IRA
0.50%$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

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