--- title: "1st Midamerica Credit Union Rates (Nov 2026): CDs to 4.58%" description: "1st Midamerica Credit Union rates today: savings & CDs up to 4.58% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join 1st Midamerica Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/illinois/1st-midamerica" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # 1st Midamerica Credit Union Rates (Nov 2026): CDs to 4.58% ### Auto & vehicle rates 20 offers | Product | Published | Rate | Term / condition | Status | | **48-Month Auto Loan (2018 and Newer)** auto_any_48mo | — APR | 4.990% | 48 mo | Standard | | **60-Month Auto Loan (2018 and Newer)** auto_any_60mo | — APR | 5.240% | 60 mo | Standard | | **66-Month Auto Loan (2018 and Newer)** auto_any_66mo | — APR | 5.490% | 66 mo | Standard | | **72-Month Auto Loan (2018 and Newer)** auto_any_72mo | — APR | 5.740% | 72 mo | Standard | | **48-Month Used Auto Loan (2017 and Older)** auto_used_48mo | — APR | 5.990% | 48 mo · used | Standard | | **66-Month Used Auto Loan (2017 and Older)** auto_used_66mo | — APR | 6.240% | 66 mo · used | Standard | | **78-Month Auto Loan (2018 and Newer)** auto_any_78mo | — APR | 6.490% | 78 mo | Standard | | **Motorcycles and Personal Watercraft* (36 months)** motorcycle_any_36mo | — APR | 6.550% | 36 mo | Standard | | **New and Used Marine and RV* (48 months)** boat_any_48mo | — APR | 6.740% | 48 mo · any | Standard | | **Motorcycles and Personal Watercraft* (48 months)** motorcycle_any_48mo | — APR | 6.750% | 48 mo | Standard | | **New and Used Marine and RV* (60 months)** boat_any_60mo | — APR | 6.990% | 60 mo · any | Standard | | **New and Used Marine and RV* (72 months)** boat_any_72mo | — APR | 7.240% | 72 mo · any | Standard | | **72-Month Used Auto Loan (2017 and Older)** auto_used_72mo | — APR | 7.240% | 72 mo · used | Standard | | **New and Used Marine and RV* (84 months)** boat_any_84mo | — APR | 7.490% | 84 mo · any | Standard | | **Vehicles - 2018 and Newer* (84 months (Vehicle Years: New 2024-2025))** auto_new_84mo | — APR | 7.740% | 84 mo · new | Standard | | **New and Used Marine and RV* (120 months)** boat_any_120mo | — APR | 7.740% | 120 mo · any | Standard | | **Up to 51-Month Used Auto Loan (2017 and Older)** auto_used_51mo | — APR | 7.740% | 51 mo · used | Standard | | **New and Used Marine and RV* (144 months)** boat_any_144mo | — APR | 7.990% | 144 mo · any | Standard | | **Motorcycles and Personal Watercraft* (60 months)** motorcycle_any_60mo | — APR | 7.990% | 60 mo | Standard | | **New and Used Marine and RV* (180 months)** boat_any_180mo | — APR | 8.240% | 180 mo · any | Standard | 1st Midamerica Credit Union auto & vehicle rates as of November 11, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Lines of Credit (Variable Rate (Up to 80% combined loan to value))** heloc_variable | — APR | 4.990% | — | Standard | 1st Midamerica Credit Union heloc rates as of November 11, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Personal Line of Credit** ploc_variable | — APR | 10.700% | — | Standard | | **60-Month Signature Loan** personal_unsecured_60mo | — APR | 10.700% | 60 mo | Standard | 1st Midamerica Credit Union personal loan rates as of November 11, 2026 ### Savings & CD rates 29 offers | Product | Published | Rate | Term / condition | Status | | **Reward Savings (non-qualifying)** savings | — APY | 0.01% | — | Standard | | **High Interest Reward Checking (non-qualifying)** checking | — APY | 0.01% | — | Standard | | **Basic Business Checking** checking | — APY | 0.05% | — | Eligibility restricted | | **Regular Shares** savings | — APY | 0.05% | — | Standard | | **IRA** ira | — APY | 0.10% | — | Standard | | **High Interest Reward Checking (qualifying, over $10,000.00)** checking | — APY | 0.25% | — | Standard | | **Reward Savings (qualifying, over $15,000.00)** savings | — APY | 0.25% | — | Standard | | **6-Month Certificate** cd_6mo | 0.60% APY | 0.60% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | 0.70% APY | 0.70% | 12 mo | Standard | | **Reward Savings (qualifying, up to $15,000)** savings | — APY | 0.75% | — | Standard | | **18-Month Certificate** cd_18mo | 0.75% APY | 0.75% | 18 mo | Standard | | **24-Month Certificate** cd_24mo | 0.80% APY | 0.80% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | 0.85% APY | 0.85% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | 0.90% APY | 0.90% | 48 mo | Standard | | **12 Month Youth Velocity** cd_12mo | 0.95% APY | 0.95% | 12 mo | Eligibility restricted | | **60-Month Certificate** cd_60mo | 1.51% APY | 1.50% | 60 mo | Standard | | **$25,000.00 - $49,999.99** savings | — APY | 1.80% | — | Standard | | **$50,000.00 - $99,999.99** savings | — APY | 1.85% | — | Standard | | **Over $100,000.00** savings | — APY | 1.90% | — | Standard | | **21-Month Certificate** cd_21mo | 3.55% APY | 3.50% | 21 mo | Standard | | **59-Month Certificate** cd_59mo | 3.55% APY | 3.50% | 59 mo | Standard | | **7-Month Certificate** cd_7mo | 4.00% APY | 4.00% | 7 mo | Standard | | **13-Month Certificate** cd_13mo | 4.32% APY | 4.25% | 13 mo | Standard | | **35-Month Certificate** cd_35mo | 4.58% APY | 4.50% | 35 mo | Standard | | **High Interest Reward Checking (qualifying, up to $10,000)*** checking | — APY | 4.88% | — | Standard | | **48-Month Certificate** cd_48mo | — APY | 4.99% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 5.24% | 60 mo | Standard | | **66-Month Certificate** cd_66mo | — APY | 5.49% | 66 mo | Standard | | **72-Month Certificate** cd_72mo | — APY | 5.74% | 72 mo | Standard | 1st Midamerica Credit Union savings & cd rates as of November 11, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Up to 75% loan to value** other | — % | 5.990% | — | Standard | 1st Midamerica Credit Union other rates as of November 11, 2026 Savings and certificate yields up to 4.58% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/illinois/1st-midamerica) , verified from [1st Midamerica Credit Union's official website](https://www.1stmidamerica.org/) Loading branch locator… ## About 1st Midamerica Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 64.1K Assets $1B Founded 1934 Locations reported 10 NCUA charter 63932 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**B.e.a.** BEA Credit Union · Bethalto · IL · 62010 About 0.9 miles away](https://rateapi.dev/credit-unions/illinois/bea) [**Scott** Wood River Branch · Wood River · IL · 62095-1972 About 3.6 miles away](https://rateapi.dev/credit-unions/illinois/scott) [**State Employees Community** 4500 College Avenue · Alton · IL · 62002-5013 About 4.1 miles away](https://rateapi.dev/credit-unions/illinois/state-employees-community) [**Midwest Members** Wood River Office · Wood River · IL · 62095 About 4.1 miles away](https://rateapi.dev/credit-unions/illinois/midwest-members) [**Alton Municipal Employees** Alton municipal employees fcu · Alton · IL · 62002-4750 About 5.0 miles away](https://rateapi.dev/credit-unions/illinois/alton-municipal-employees) [**Revity** Alton Branch · Alton · IL · 62002 About 5.8 miles away](https://rateapi.dev/credit-unions/illinois/revity) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join 1st Midamerica Credit Union Membership eligibility from 1st Midamerica Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on 1st Midamerica Credit Union's website. Check the membership page below to confirm whether you qualify. - Association 1st MidAmerica Foundation Verified from [1st Midamerica Credit Union's membership page](https://www.1stmidamerica.org/about-us/about/becoming-a-member) . Final membership determination is always made by the credit union. ## Membership rules for 1st Midamerica Credit Union Associations 2 · Family 2 4 published paths to membership, last verified August 27, 2026, quoted from 1st Midamerica Credit Union’s own published criteria. Source-page proposal coverage: 2 of 4 extracted claims verified; 0 withheld. Only verified rules are shown here. This measures claims found on the reviewed source page, not every possible real-world membership path. ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of 1st MidAmerica Foundation “You are a donor to the 1st MidAmerica Foundation” > [source ↗](https://www.1stmidamerica.org/about-us) - Member of 1st MidAmerica Foundation - Donor to 1st MidAmerica Foundation “You are a donor to the 1st MidAmerica Foundation;” > [source ↗](https://www.1stmidamerica.org/about-us/about/becoming-a-member) - Donor to 1st MidAmerica Foundation ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member blood relative, spouse, relative by adoption “You are related by blood, marriage or adoption to a current member” > [source ↗](https://www.1stmidamerica.org/about-us) - Family member (blood relative, spouse, relative by adoption) of a member - Family of a member relative “You are related by blood, marriage or adoption to a current member;” > [source ↗](https://www.1stmidamerica.org/about-us/about/becoming-a-member) - Family member (relative) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for 1st Midamerica Credit Union? Yes No ## Work at 1st Midamerica Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where 1st Midamerica Credit Union ranks against Illinois peers. - See which AI assistants fetched 1st Midamerica Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Illinois - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=1st-midamerica&state=illinois&code=IL&name=1st%20Midamerica%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does 1st Midamerica Credit Union offer? 1st Midamerica Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 11, 2026 directly from the credit union's official website. ### How often are 1st Midamerica Credit Union rates updated? RateAPI verifies 1st Midamerica Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 11, 2026. ### Where does RateAPI get 1st Midamerica Credit Union's rate data? Rate data is collected directly from 1st Midamerica Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is 1st Midamerica Credit Union's best CD rate? As of November 11, 2026, 1st Midamerica Credit Union offers savings and certificate (CD) yields up to 4.58% APY. ### Who can join 1st Midamerica Credit Union? 1st Midamerica Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 2 associations for 1st Midamerica Credit Union, each quoted from 1st Midamerica Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare 1st Midamerica Credit Union's rates against national credit-union benchmarks. [More Illinois credit unions](https://rateapi.dev/credit-unions/illinois) [Illinois auto loan rate leaders](https://rateapi.dev/auto-loan-rates/illinois) [Illinois HELOC rate leaders](https://rateapi.dev/heloc-rates/illinois) [Illinois personal loan leaders](https://rateapi.dev/personal-loan-rates/illinois) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.1stmidamerica.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track 1st Midamerica Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Illinois credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for 1st Midamerica Credit Union curl "https://api.rateapi.dev/credit-unions/illinois /1st-midamerica " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## 1st Midamerica Credit Union locations Search, filter, and browse all 10 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/illinois/1st-midamerica Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp