MidAmerica National Bank Rates and Review January 2026

Q: How many branches does MidAmerica National Bank operate?

MidAmerica National Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, MidAmerica National Bank provides members with tools to manage their accounts and build a solid financial history.

MidAmerica National Bank 12-month CD rates can be found at 4.00%, 6-month CD rates at 0.15% and 3-month CD rates at 0.25%. Savings rates are at 0.70% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 7.13%. Credit Card rates are at 8.90%. Personal Loan rates are at 8.99%. All these rates, and more, can be found in our database of rates which you can compare to MidAmerica National Bank rates.

To see how these rates compare to MidAmerica National Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from MidAmerica National Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with MidAmerica National Bank CD rates. You can also compare MidAmerica National Bank savings rates, MMA rates and mortgage rates using our other rate lists.

Rate Updates and Availability

MidAmerica National Bank 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 MidAmerica National Bank? Share your experience about MidAmerica National Bank by leaving a review below, or read customer reviews before you decide to use MidAmerica National Bank.

Financial Stability and Texas Ratio

MidAmerica National Bank's Texas Ratio is at 3.66%, which is considered excellent. The Texas Ratio for MidAmerica National Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, MidAmerica National Bank is a good bank worth considering, with an overall rating of 3 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs Avg

12-Month CD

N/A

2.45%

18-Month CD

N/A

2.22%

24-Month CD

N/A

2.22%

36-Month CD

N/A

2.15%

48-Month CD

N/A

2.13%

60-Month CD

N/A

2.24%

Savings

N/A

0.69%

MMA

N/A

0.79%

30-Year Fixed

N/A

6.04%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

MidAmerica National Bank

100 W Elm St
Canton, IL 61520

https://www.midnatbank.com

MonitorBankRates' Rating

3/5

★★★☆☆

Review MidAmerica National Bank

Compare MidAmerica National Bank Rates with Other Competitive Bank and Credit Union Rates

Bank of Prairie du Sac

6-Month CD

3.73%

$1,000

Bank Midwest

12-Month CD

3.65%

$500

First National Bank in Olney

60-Month CD

3.56%

$500

First Commerce Bank (NJ)

24-Month CD

3.50%

$1,000

Abbott Laboratories Credit Union

24-Month CD

3.50%

$500

West Pointe Bank

12-Month CD

3.35%

$500

Magyar Bank

48-Month CD

3.25%

$2,500

Milford Federal Bank

24-Month CD

3.25%

$1,000

Pathway Bank

36-Month CD

3.25%

$1,000

DCU Digital Federal Credit Union

60-Month CD

3.25%

$500

Bank of Rantoul

36-Month CD

3.24%

$500

AVB Bank

12-Month CD

3.12%

$2,500

Peoples Savings Bank Urbana OH

18-Month CD

3.05%

$500

M.Y. Safra Bank

48-Month CD

3.00%

$500

Union County Savings Bank Elizabeth, NJ

24-Month CD

3.00%

$500

Bogota Savings Bank

Prestige Checking

3.00%

$500

Security Bank Tulsa, OK

Security Platinum 55 Checking

2.89%

$100

Seasons Federal Credit Union

60-Month CD

2.75%

$1,000

Lee Bank

18-Month CD

2.75%

$500

Headwaters State Bank

24-Month CD

2.52%

$1,000

Primary Bank

48-Month CD

2.50%

$1,000

MCT Credit Union

Sprout

2.50%

ConnectOne Bank

Connect Money Market

2.40%

FSB Holton, KS

60-Month CD

2.16%

$500

Savers Co-operative Bank

60-Month CD

2.05%

$500

Perryton National Bank

6-Month CD

2.01%

$2,500

Regions Bank

Premium Money Market

2.00%

$10,000

Premier Bank Dubuque, IA

12-Month CD

1.50%

$1,000

Wolf River Community Bank

60-Month CD

1.50%

$1,000

Piedmont FSB

24-Month CD

1.40%

$500

First Community Bank of Moultrie County

30-Month CD

1.26%

$500

Integrity Bank & Trust

Personal Savings

1.26%

Glen Burnie MSB

36-Month CD

1.26%

$500

Farmers State Bank (Marion, IA)

36-Month CD

0.85%

$1,000

The Victory Bank

48-Month CD

0.75%

$500

First Federal Community Bank N.A.

48-Month CD

0.65%

$500

Ergo Bank

Money Market

0.50%

$5,000

5 Star Bank

48-Month CD

0.50%

$500

WCB West Central Bank

NOW Checking

0.30%

$1,500

The Harrison B&L Assoc.

12-Month CD

0.30%

$1,000

Citizens Federal Savings Bank

Statement Savings

0.25%

$50

FSB of Burnet

Savings

0.25%

Monson Savings Bank

18-Month CD

0.20%

$1,000

The Bank of Romney

Savings

0.20%

$10

Wells River Savings Bank

3-Month CD

0.15%

$200

Citi

12-Month CD

0.10%

$500

American Bank of Beaver Dam

Regular Savings

0.10%

$25

Denison State Bank

Beyond Checking

0.10%

$100

Community Bank of Pleasant Hill

48-Month CD

0.10%

$500

Liberty Bank Middletown, CT

Money Market

0.05%

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rate Comparison

Lender

Product

Rate

APR

Points

Old National Bank

30-Year Fixed FHA

5.875%

7.902%

0.000

Smart Financial Credit Union

3/1 ARM

4.240%

7.689%

0.000

Smart Financial Credit Union

3/1 ARM (Jumbo)

4.240%

7.689%

0.000

Grow Financial Federal Credit Union

5/1 ARM

5.750%

7.634%

0.000

Smart Financial Credit Union

5/1 ARM (Jumbo)

4.740%

7.533%

0.000

Smart Financial Credit Union

5/1 ARM

4.740%

7.533%

0.000

Great Lakes Credit Union

20 Year Fixed

7.125%

7.527%

0.000

Lake Shore Savings Bank

30-Year Fixed

7.250%

7.402%

0.000

Kohler Credit Union

10/1 ARM

6.250%

7.325%

0.000

Grow Financial Federal Credit Union

10/1 ARM

6.250%

7.325%

0.000

Laredo Federal Credit Union

20 Year Fixed

6.999%

7.235%

0.000

State Employees Credit Union

15 Year Fixed

7.000%

7.168%

0.000

FirstBank of Nebraska

30-Year Fixed

7.125%

7.126%

0.000

Marathon Bank

7/1 ARM

7.000%

7.111%

0.000

Lake Shore Savings Bank

20-Year Fixed

6.800%

6.993%

0.000

Hoosier Hills Credit Union

30 Year Fixed

6.750%

6.880%

0.000

Marathon Bank

5/1 ARM

6.750%

6.859%

0.000

American Bank

30-Year Fixed Jumbo

6.750%

6.825%

0.000

Fidelity Co-operative Bank

30-Year Fixed Jumbo

6.625%

6.809%

0.000

Kennebec Savings Bank

30-Year Fixed

6.750%

0.000

Alpena-Alcona Area Credit Union

30-Year Fixed

6.500%

6.748%

0.000

People First Federal Credit Union

10/1 ARM (Jumbo)

6.740%

6.723%

0.000

Pittsfield Co-operative Bank

7/1 ARM

6.750%

6.697%

0.000

Great Lakes Credit Union

30 Year Fixed

6.375%

6.670%

0.000

Laredo Federal Credit Union

15 Year Fixed

6.375%

6.662%

0.000

Port Washington State Bank

3/1 ARM

6.500%

6.648%

0.000

Port Washington State Bank

5/1 ARM

6.500%

6.630%

0.000

Missouri Credit Union

20 Year Fixed

6.500%

6.628%

0.000

FirstBank of Nebraska

15-Year Fixed

6.625%

6.627%

0.000

FirstBank of Nebraska

20-Year Fixed

6.625%

6.626%

0.000

Missouri Credit Union

30 Year Fixed

6.500%

6.597%

0.000

Seaboard Federal Credit Union

30-Year Fixed

6.500%

6.595%

0.000

Penn East Federal Credit Union

10/6 ARM

6.525%

6.595%

0.000

Pittsfield Co-operative Bank

10/1 ARM

6.500%

6.582%

0.000

Achieva Credit Union

5/1 ARM

5.250%

6.580%

0.000

Auburn Savings Bank

30-Year Fixed

6.500%

6.559%

0.000

Fidelity Co-operative Bank

30-Year Fixed

6.375%

6.556%

0.000

Truliant Federal Credit Union

30-Year Fixed Jumbo

6.500%

6.553%

0.000

Penn Community Bank

30-Year Fixed (Jumbo)

6.500%

6.546%

0.000

Penn Community Bank

5/1 ARM (Jumbo)

6.500%

6.546%

0.000

Mid American Credit Union

30 Year Fixed

6.375%

6.544%

0.000

Laredo Federal Credit Union

10 Year Fixed

6.125%

6.526%

0.000

GreenLeaf Bank

30-Year Fixed

6.500%

6.512%

0.000

Fox Valley Savings Bank

30-Year Fixed

6.375%

6.504%

0.000

Kennebec Savings Bank

15-Year Fixed

6.500%

0.000

Penn East Federal Credit Union

5/6 ARM

6.300%

6.498%

0.000

Pittsfield Co-operative Bank

30-Year Fixed

6.375%

6.498%

0.000

NASA Federal Credit Union

15-Year Fixed Jumbo

6.250%

6.481%

0.000

Northfield Savings Bank

5/1 ARM

5.625%

6.461%

0.000

FirstBank of Nebraska

10/1 ARM

6.375%

6.460%

0.000

View 50 More

Our apologies, we do not have MidAmerica National Bank rate data right now, check back for updates, we are adding rates all the time.

Bank Profile & Overview

MidAmerica National Bank

100 W Elm St
Canton, IL 61520
Fulton
Established Date: 11/22/1933
FDIC Certificate #: 3612
Date of FDIC Deposit Insurance: 01/01/1934

Bank Holding Company: MIDAMERICA NATL BANCSHARES INC

How Many Domestic U.S. Offices? 6

How Many Branches are There? 6

Website: https://www.midnatbank.com

Is MidAmerica National Bank FDIC Insured? Yes

What is MidAmerica National Bank's Cert number? 3612

What is the maximum amount for insured deposits? $250,000 per holder, per account

Financial Health & Assets

Total Assets:

$616,293,000

Total Deposits:

$548,231,000

Equity Capital:

$60,112,000

Net Income:

$1,465,000

Return on Assets (ROA):

0.8755%

Return on Equity (ROE):

9.4400%

Headquarters:

Canton

Regulator:

OCC

# of Offices:

Source: FDIC | Last Updated 03/31/2024

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Frequently Asked Questions About MidAmerica National Bank

Is MidAmerica National Bank a safe place to deposit money?

Yes, MidAmerica National Bank is considered a safe financial institution. With a Texas Ratio of 3.66%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does MidAmerica National Bank operate?

MidAmerica National Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, MidAmerica National Bank 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, MidAmerica National Bank provides members with tools to manage their accounts and build a solid financial history.

Does MidAmerica National Bank offer online and mobile banking?

Most modern institutions like MidAmerica National Bank 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.midnatbank.com.