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Advertiser Disclosure
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 1st MidAmerica Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
1st MidAmerica Credit Union's CD - 60 Month rates are at 1.51%, CD - 48 Month rates are at 0.90%, CD - 36 Month rates are at 0.85%, CD - 24 Month rates are at 0.80%, CD - 18 Month rates are at 0.75%. 1st MidAmerica Credit Union's money market rates are at 2.02%. 1st MidAmerica Credit Union's checking rates are as high as 5.00%. 1st MidAmerica Credit Union's RV, Boat and Powersport Loan Rates are as low as 6.55%. 1st MidAmerica Credit Union's Credit Card Rates are at 8.90%. 1st MidAmerica Credit Union's CD rates are 70% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of 1st MidAmerica Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.80%. Rates last updated and verified on 10/29/2026. 1st MidAmerica Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 1st MidAmerica Credit Union? Share your experience about 1st MidAmerica Credit Union by leaving a review below, or read customer reviews before you decide to use 1st MidAmerica Credit Union. 1st MidAmerica Credit Union
Bethalto 140 Office 731 E Bethalto Dr
https://www.1stmidamerica.org Bethalto, IL 62010  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. 1st MidAmerica Credit Union CD Rates
1st MidAmerica Credit Union Savings Rates
1st MidAmerica Credit Union Money Market Rates
1st MidAmerica Credit Union Checking Rates
1st MidAmerica Credit Union Business Checking Rates
1st MidAmerica Credit Union Auto Loan Rates
1st MidAmerica Credit Union RV, Boat and Powersport Loan Rates
1st MidAmerica Credit Union Credit Card Rates
1st MidAmerica Credit Union Personal Loan Rates
1st MidAmerica Credit Union Other Rates
Financial Health History1st MidAmerica Credit Union’s Texas Ratio rose from 3.08% in Q3 2023 to 11.80% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for 1st MidAmerica Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather 1st MidAmerica Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with 1st MidAmerica Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
1st MidAmerica Credit Union
Website
https://www.1stmidamerica.org
Address
731 E Bethalto Dr,
Bethalto, IL 62010
Phone
618-258-3168
Fax
618-258-6003
President
Rosemary Gibson
CEO
Alan Meyer
Full-Time Employees
164
Part-Time Employees
21
Branch Locations
10
ATM Locations
10
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.80%
Return on Assets (ROA)
0.6078%
Return on Equity (ROE)
4.5580%
Non-Performing Loans Ratio (NPL)
2.01%
Total Assets
1,014,101,134
Total Amount of Shares and Deposits
868,202,817
Total Shares and Deposits < 1 Year
806,740,794
Total Shares and Deposits 1 3 Years
53,633,792
Total Shares and Deposits > 3 Years
7,828,230
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
63,287,658
Total Uninsured Shares and Deposits > $250K (F+J)
63,287,658
Total Insured Shares and Deposits > $250K (item 17 less item K)
804,915,159
Total Interest Expense (Sum of items 6 8)
9,140,474
Share Certificates
6,527
Number of Accounts for Share Drafts
33,798
IRA KEOGH Accounts
1,458
Number of Accounts for Regular Shares
75,844
Non Member Deposits
95
Money Market Shares
1,675
Net Income (unless the amount is already included in Undivided Earnings)
6,163,727
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
33,537,336
Total Liabilities
879,005,439
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About 1st MidAmerica Credit UnionDoes 1st MidAmerica Credit Union offer CDs?Yes. 1st MidAmerica Credit Union current CD rates include its CD - 60 Month at 1.51% APY, its CD - 48 Month at 0.90% APY and its CD - 36 Month at 0.85% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from 1st MidAmerica Credit Union NCUA insured?Yes. 1st MidAmerica Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at 1st MidAmerica Credit Union?The highest 1st MidAmerica Credit Union CD rate is its CD - 35 Month Special at 4.58% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does 1st MidAmerica Credit Union offer?1st MidAmerica Credit Union CD rates are 0.70% APY for a 12 month CD, 0.75% APY for an 18 month CD, 0.80% APY for a 2 year CD, 0.85% APY for a 3 year CD, 0.90% APY for a 4 year CD and 1.51% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with 1st MidAmerica Credit Union for its full lineup. What is the highest money market rate at 1st MidAmerica Credit Union?The highest 1st MidAmerica Credit Union money market rate is its Money Market Deposit Accounts at 2.02% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at 1st MidAmerica Credit Union?The highest 1st MidAmerica Credit Union checking rate is its High Interest Reward Checking at 5.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at 1st MidAmerica Credit Union?The lowest 1st MidAmerica Credit Union auto loan rate is its Vehicles - 2018 and Newer Loan at 4.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at 1st MidAmerica Credit Union?The lowest 1st MidAmerica Credit Union personal loan rate is its Motorcycles and Personal Watercraft Loan at 6.55% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at 1st MidAmerica Credit Union?The lowest 1st MidAmerica Credit Union credit card APR is its Platinum Credit Card at 8.90% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does 1st MidAmerica Credit Union operate?1st MidAmerica Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join 1st MidAmerica Credit Union?Yes, to access services at 1st MidAmerica Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, 1st MidAmerica Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, 1st MidAmerica Credit Union provides members with tools to manage their accounts and build a solid financial history. Does 1st MidAmerica Credit Union offer online and mobile banking?Most modern institutions like 1st MidAmerica Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.1stmidamerica.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do 1st MidAmerica Credit Union rates compare?1st MidAmerica Credit Union's CD rates are 70% lower than the MonitorBankRates national average, and it has an A health rating. 1st MidAmerica Credit Union's top rates are its CD - 35 Month Special at 4.58% APY, its Money Market Deposit Accounts at 2.02% APY, its High Interest Reward Checking at 5.00% APY, its Motorcycles and Personal Watercraft Loan at 6.55% APR and its Platinum Credit Card at 8.90% APR, verified by MonitorBankRates on October 29, 2026. Current 1st MidAmerica Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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