1st MidAmerica Credit Union Rates and Review January 2026
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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.
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1st MidAmerica Credit Union's 60-Month CD rates are at 1.51%, 48-Month CD rates are at 0.90%, 36-Month CD rates are at 0.85%, 24-Month CD rates are at 0.80%, 18-Month CD rates are at 0.75%. 1st MidAmerica Credit Union's savings rates are at 0.05%. 1st MidAmerica Credit Union's money market rates are at 1.76%. 1st MidAmerica Credit Union's Personal Loan Rates are at 10.70%. 1st MidAmerica Credit Union's Credit Card Rates are at 8.90%.
Compare 1st MidAmerica Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of 1st MidAmerica Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and Availability1st 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 CD rates or 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. Overall, 1st MidAmerica Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. 1st MidAmerica Credit Union Bethalto 140 Office 731 E Bethalto Dr Bethalto, IL 62010  1st MidAmerica Credit Union Deposit Rates
1st MidAmerica Credit Union
Money Market
1.76%
$2,500
1st MidAmerica Credit Union
60-Month CD
1.51%
$1,000
1st MidAmerica Credit Union
48-Month CD
0.90%
$1,000
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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. 1st MidAmerica Credit Union Credit Card Rates
1st MidAmerica Credit Union
Platinum Rewards
8.900% - 13.900%
Based upon credit worthiness.
1st MidAmerica Credit Union
Platinum
8.900%
The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. 1st MidAmerica Credit Union Personal Loan Rates
1st MidAmerica Credit Union
Signature Loan
10.700%
$0 - $10,000
60 - 60
The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. CD & Savings Rate ComparisonShow More
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 ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonVisa Credit Card
9.990%
Cash Back Credit Card
17.740%
Automatically get 1.5% cash back on all purchases with no fuss
Rewards Student Classic
16.500%
Credit Limit - $500
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Signature Loan
11.000%
$0
96
Debt Consolidation
13.990%
$0
1 - 72
Personal Loan
13.000% - 13.200%
$1,500 - $15,000
24 - 24
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Credit Union Profile & OverviewCredit Union Name: 1st MidAmerica Credit Union
Website: https://www.1stmidamerica.org
Full Time Employees: 164Part Time Employees: 21 President: Rosemary Gibson CEO: Alan Meyer Branch Locations: 10 ATM Locations: 10 Corporate Office Address:
731 E Bethalto Dr
Bethalto, IL 62010 Phone Number: 618-258-3168 Fax Number: 618-258-6003 FinancialsTotal Assets:
1,008,207,502
Total Amount of Shares and Deposits:
833,249,457
Total Shares and Deposits < 1 Year:
789,888,795
Total Shares and Deposits 1 3 Years:
38,839,811
Total Shares and Deposits > 3 Years:
4,520,852
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
59,821,820
Total Uninsured Shares and Deposits > $250K (F+J):
59,821,820
Total Insured Shares and Deposits > $250K (item 17 less item K):
773,427,637
Total Interest Expense (Sum of items 6 8):
15,722,010
Share Certificates:
6,984
Number of Accounts for Share Drafts:
33,452
IRA KEOGH Accounts:
1,533
Number of Accounts for Regular Shares:
74,814
Non Member Deposits:
39
Money Market Shares:
1,609
Net Income (unless the amount is already included in Undivided Earnings):
12,166,773
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
22,364,283
Total Liabilities:
882,477,227
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsmAYq
December 17, 2025
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Frequently Asked Questions About 1st MidAmerica Credit UnionIs a member application needed to join 1st MidAmerica Credit Union?Yes, to access services at 1st MidAmerica Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, 1st MidAmerica Credit Union provides a range of mortgage and home equity products. Is 1st MidAmerica Credit Union a safe place to deposit money?Yes, 1st MidAmerica Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does 1st MidAmerica Credit Union offer online and mobile banking?Most modern institutions like 1st MidAmerica Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
