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First Mid


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
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 6/30/2025
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
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.firstmid.com
217-234-7454
1515 Charleston Avenue
Mattoon, IL 61938

First Mid is headquartered in MATTOON and is the 9th largest bank in the state of Illinois. It is also the 203rd largest bank in the nation. It was established in 1865 and as of March of 2025, it had grown to 1,019 employees at 81 locations. First Mid's money market rates are 9X the national average, and it has an A health rating.

Reviews (1)

Just Awful.

Posted by: |

Rude personnel in smaller communities- they talk down to you.
Incompetence on so many levels it’s min blowing. They told me that I couldn’t open a business account with my Delaware corporation. They try to get me to leave my corporate binder there and get back with me after they had time to review. You never leave your corporate find her behind anywhere except with your attorney. Turns out it was a secret none process. By then - 2 months later- I’d gone elsewhere.
Instead of depositing a large sum, they ran me in the negative - caused NSF’s and declined transactions. Large deposits - because of the nature of their bank, can take 2 weeks to process and release those funds.

They have no pinpad for cash advances on credit cards.
I could go on and on but you get the picture.

Moving all of my accounts and family accounts ASAP.

1


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #3705
Year Established1865
Employees1019
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD9.23%
Annual Interest Income$87.5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$7.52B$7.63B
LoansQ1 2025vs Q1 2024$5.63B$5.43B
DepositsQ1 2025vs Q1 2024$6.19B$6.28B
Equity CapitalQ1 2025vs Q1 2024$884.3MM$862.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$70.1MM$67.9MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$20.7MM$17.4MM
Real Estate OwnedQ1 2025vs Q1 2024$2.1MM$1.3MM
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
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 6/30/2025
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
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.

First Mid Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.30%$1-High Yield Savings Account Via Raisin
0.05%$100-Retail Savings

First Mid Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$1-Money Market Account Via Raisin
0.25%*$15k*-Retail Prime First Money Management
OTHER TIERS: 0.15% → $0 - $15k
0.10%*$10k*-Retail Money Market
OTHER TIERS: 0.07% → $0 - $10k

First Mid Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%$0-Premier Checking
0.01%$0-Classic Checking
0.01%$0-Interest Checking

First Mid CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$1-9 Month High Yield CD Via Raisin
4.25%$1-6 Month High Yield CD via Raisin
4.00%$1k$50k6 Month Add On CD Special
3.75%$1k$50k12 Month Add On CD Special
3.50%$1k$50k24 Month Add On CD Special
3.50%$1k$50k36 Month Add On CD Special
3.50%$1k$50k48 Month Add On CD Special
1.15%$1k- 60 Month CD
0.90%$1k-48-59 Month CD
0.65%$1k-36-47 Month CD
0.50%$1k- 24-35 MonthCD
0.45%$1k-18-23 Month CD
0.40%$1k-12-17 Month CD
0.30%$1k-91-181 Day CD
0.30%$1k-182-364 Day CD
0.30%$1k-9 Month CD

First Mid IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%$500- 60 Month IRA
0.90%$500-48-59 Month IRA
0.65%$500-36-47 Month IRA
0.50%$500- 24-35 Month IRA
0.45%$500-18-23 Month IRA
0.40%$500-12-17 Month IRA
Locations

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