1st MidAmerica Credit Union

Overview / Commentary
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 444th largest credit union in the nation. It was established in 1934 and as of September of 2022, it had grown to 176 employees and 69,489 members at 11 locations. 1st MidAmerica Credit Union's money market rates are 3X 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, 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 Grade Components

NCUA #63932
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD4.41%
Annual Interest Income$22.8MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$942.1MM$853.9MM
LoansQ3 2022vs Q3 2021$751.8MM$653.6MM
DepositsQ3 2022vs Q3 2021$760.3MM$750.8MM
Equity CapitalQ3 2022vs Q3 2021$94.4MM$94.9MM
Loan Loss AllowanceQ3 2022vs Q3 2021$7.1MM$6.6MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$5.0MM$6.1MM
Real Estate OwnedQ3 2022vs Q3 2021$0$0
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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

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

1st MidAmerica Credit Union Money Market Rates

1.31%*$100k*-Money Market Deposit Account
OTHER TIERS: 1.06% $2.5k - $10k | 1.11% $10k - $25k | 1.21% $25k - $50k | 1.26% $50k - $100k

1st MidAmerica Credit Union Checking Account Rates

2.25%*-$10kHigh Interest Reward Checking
OTHER TIERS: 0.25% $10k+
1.21%*$100k*-Elite Business Checking
OTHER TIERS: 1.11% $25k - $50k | 1.16% $50k - $100k
0.05%--Basic Business Checking

1st MidAmerica Credit Union CD Rates

4.06%$1k-35 Month CD Special
3.80%$1k-21 Month CD Special
3.80%$1k-59 Month CD Special
3.55%$1k-13 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
0.45%$1k-6 Month CD

1st MidAmerica Credit Union IRA Rates

4.06%$1k-35 Month IRA Special
3.80%$1k-21 Month IRA Special
3.80%$1k-59 Month IRA Special
3.55%$1k-13 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
0.45%$1k-6 Month IRA


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