1st MidAmerica Credit Union Bethalto IL | Affordable Vehicle Loans & Easy ATM Access

Introduction

Welcome to 1st Midamerica, your trusted financial partner located at 731 E Bethalto Dr, Bethalto, IL 62010. Since our establishment in 1934, we have been dedicated to serving our community and fostering financial well-being among our 63,545 members. With total assets of $987,546,827 and a commitment to providing exceptional service, we strive to meet the diverse needs of individuals and families in our area. At 1st Midamerica, we understand that banking is more than just transactions; it's about building relationships based on trust and reliability. Our team, led by CEO Alan Meyer and Board President Rosemary Gibson, works diligently to ensure that every member receives personalized attention and support. Whether you're looking for auto loans, mortgages, or personal banking services, we've got you covered. Our branch offers a wide array of services tailored to your needs, including checking and savings accounts, credit cards with rewards, business banking solutions, online and mobile banking options, and much more. We also provide convenient access through our ATM and drive-thru services. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to 731 E Bethalto Dr, Bethalto, IL 62010. Feel free to reach out via phone at 618-258-3168 or fax us at 618-258-6003 for any inquiries. Join us today and experience the benefits of being part of a cooperative financial institution that prioritizes your financial growth. Visit our website at 1st Midamerica to learn more about what we offer or stop by our branch during lobby hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. Your journey towards better financial health begins here!

Branch History & Mission

Welcome to 1st Midamerica, a credit union rooted in community and dedicated to serving our members in Bethalto, Illinois. Since our inception in 1934, we have been committed to providing exceptional financial services while fostering a sense of belonging among our members. Our journey began with a handful of individuals who believed in the power of cooperative banking, and over the years, we have grown into a trusted institution with a strong membership base of 63,545. Located at 731 E Bethalto Dr, our branch is easily accessible for all your banking needs. Whether you're visiting us during our lobby hours Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, or Saturday from 9 AM to 12 PM you'll find that we strive to create an inviting atmosphere. We also offer convenient drive-thru service for quick transactions and an ATM on-site for your convenience. At 1st Midamerica, our mission is simple yet powerful: we aim to improve the financial well-being of our members and support the communities we serve. We understand that financial health goes beyond just banking; it involves building relationships and offering solutions tailored to individual needs. From personal banking services like checking and savings accounts to auto loans, mortgages, and business banking options, we provide a wide range of products designed to empower you on your financial journey. Our commitment doesn't stop there. We actively engage with our community through partnerships and outreach initiatives that make a real impact. Whether it's supporting local events or providing resources for financial education, we believe in giving back and uplifting those around us. While members can visit us at 731 E Bethalto Dr, official correspondence should be sent to 731 E Bethalto Dr, Bethalto, IL 62010 if different. As part of our dedication to innovation and accessibility, we offer online and mobile banking options that allow you to manage your finances conveniently from anywhere. With total assets exceeding $987,546,827, we are proud of the stability and trust we've built over the decades. Our focus on member satisfaction has driven us forward as we adapt to changing times while staying true to our roots. Join us at 1st Midamerica today! Experience firsthand the benefits of being part of a credit union that values you as a member rather than just a customer. Together, let's build a brighter financial future! For more information or assistance, feel free to reach out at (618) 258-3168.

Branch Location & Accessibility

Banking Services

At our branch, we offer a variety of services designed to help you manage your finances effortlessly. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need to conduct simple transactions? Our drive-thru service makes it easy with deposits and withdrawals available without leaving your car. Additionally, if you belong to other partner credit unions, feel free to utilize our shared service center for basic transactions too! And yes, we have an ATM available for quick cash withdrawals and balance checks. If you have any questions or need assistance, don't hesitate to reach out! Give us a call at (618) 258-3168 or come visit us today at our Bethalto location. We look forward to serving you!

Branch Features

At 1st Midamerica, we understand that accessibility is key for our members. Our branch complies with ADA standards and features ramps to ensure everyone can visit us comfortably. Plus, we offer ample parking space for those who drive here. You can rely on us for not just a warm welcome but also efficient services tailored to meet your needs.

Operating Hours

We strive to accommodate your busy schedule with flexible operating hours. Our lobby is open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. If you prefer the convenience of drive-thru banking, we're here for you Monday through Friday from 8 AM to 6 PM and Saturday from 8 AM to 12 PM.

Member Eligibility

At 1st Midamerica, we believe that everyone deserves a chance to join our welcoming community and enjoy the benefits of credit union membership. Becoming a member is easy! If you live, work, worship, or attend school in the area, you're likely eligible to join us. We pride ourselves on being inclusive and supportive, offering you access to a variety of financial services that can help you achieve your goals. For specific details about eligibility, feel free to check out our website at . Ready to take the next step? Opening an account with us is a straightforward process that can be done online or in person at our branch located at 731 E Bethalto Dr Bethalto Il 62010. Our team is here to assist you every step of the way. If you have any questions or need guidance, don't hesitate to reach out at (618) 258-3168. Join us today and experience the advantages of being a member of 1st Midamerica!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $511 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $24 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $84,003,818, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that make it easier for you to accept payments and manage transactions. Imagine having a reliable partner who can help you streamline payments so you can focus on what you do best running your business. Our solutions are tailored to fit various business types, whether you're a retail shop or a service provider. Located at 731 E Bethalto Dr Bethalto Il 62010 in Bethalto, IL, we are here to empower local businesses. Contact us today at (618) 258-3168 to explore how we can assist you!

Comprehensive List Of Services

Business Banking Solutions

For business owners, we offer specialized banking services that cater to your needs. From merchant services that help streamline transactions to business loans that support growth and expansion, we're here to help your business thrive.

Credit Cards with Benefits

With our credit cards, you can enjoy rewards on every purchase! Imagine earning points while buying groceries or filling up your gas tank. It's an easy way to get something back from your everyday spending.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options. Check balances, transfer funds, or pay bills all at the touch of a button on your smartphone or computer. Plus, our ATM services allow for cash withdrawals and balance checks whenever you need them.

Drive-Thru & Shared Services

Need quick access? Our drive-thru banking offers basic transactions like deposits and withdrawals without leaving your car. Additionally, as part of our commitment to community collaboration, we provide shared branch transactions for members of partner credit unions, ensuring everyone has access to essential banking services regardless of where they are.

Join Us Today!

At 1st Midamerica, we're not just about numbers; we're about people our members' financial well-being matters most. We invite you to explore all these services and more by visiting us at 731 E Bethalto Dr Bethalto Il 62010 or calling (618) 258-3168. Discover how we can assist you in achieving your financial goals today! For more information about our offerings or to apply for an account online, please visit https://www.1stmidamerica.org . We look forward to serving you!

Personal Banking Made Easy

Our personal banking services include everything from checking and savings accounts to auto loans and vehicle financing. Whether you're saving for a new car or managing day-to-day expenses, our checking and savings accounts provide the flexibility you need. For those dreaming of hitting the road in a new vehicle, our auto loans come with competitive rates tailored just for you. Looking to buy a home? Our mortgage loans and refinancing options can help you secure your dream house or lower your monthly payments. And if debt is weighing you down, consider our personal loans for debt consolidation making it simpler to manage your finances.

Digital & Online Banking

Key Features

One of the standout features available at 1st Midamerica is E-Statements. Say goodbye to paper clutter! You can view your statements electronically, making it easy to track your spending and keep everything organized. If you prefer signing documents digitally, our electronic signature authorization feature allows for quick and secure signing without the hassle of printing. Need to send money quickly? Our person-to-person transfer service lets you send funds directly to friends and family instantly perfect for splitting bills or sending gifts. And if you're out shopping, take advantage of our mobile payments feature for easy transactions right from your smartphone. For those who prefer doing their banking on-the-go, our dedicated mobile application makes it simple. With just a few taps, you can manage your accounts from anywhere. It's user-friendly and designed with your needs in mind. In today's fast-paced world, having real-time access to your account information is crucial. At 1st Midamerica, we are committed to providing secure, accessible digital banking options that cater to all your financial needs. Experience the convenience of modern banking today!

Financial Strength

Commitment to Growth

With $103,606,020 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $67,632 in used auto loans and $824,947,320 in total loans and leases.

Efficient Operations

Our $5,127,276 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 161 full-time employees and 18 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Trust

Total Share and Deposit Accounts stand at 117,316, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $0, further illustrating our commitment to being your trusted financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, 1st Midamerica is your trusted partner. Visit us at 731 E Bethalto Dr Bethalto Il 62010 or call (618) 258-3168 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

Members' savings are secured through $264,000,869 in share certificates and $84,078,924 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $4,015,859, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $113,567,383, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,148 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Options

We also have credit lines available amounting to $381,260,058, allowing for easy access to funds whenever you need them. Plus, if you're considering refinancing any existing loans or exploring eligibility options for new ones, our knowledgeable staff at our branch located at 731 E Bethalto Dr, Bethalto IL 62010 can assist you every step of the way. If you're interested in learning more about any of these loan products or want personalized advice based on your financial situation, feel free to call us at 618-258-3168. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Join us today and see how we can help you achieve your financial goals!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $298,467,346 in used vehicle loans and $106,144,539 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles to make sure you find the right fit for your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $84,003,818 provide the capital needed to grow and expand. Whether you need funds for equipment or working capital, we have options tailored to meet your business needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $27,394,741, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance your current mortgage, our experienced team is here to guide you through the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $36,206,654 in loans helping members manage their finances effectively. These cards come with various benefits and rewards that can help you save money while making purchases.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help users navigate through their options with ease and confidence. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment guarantees that users receive fair and transparent offers tailored to their needs. One of the key benefits of using LendMesh is its focus on Verified Data. All loan offers come from legitimate financial institutions, which means users can trust the information they receive. Additionally, LendMesh does not feature Sponsored Listings; it does not prioritize lenders based on paid promotions. This ensures that the results you see are unbiased and purely based on what's best for you. With Real-Time Rate Comparisons, users have access to up-to-date loan rates from multiple institutions, empowering them to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Ready to find the best rates for your needs? Compare real-time loan offers today at LendMesh. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

1ST MIDAMERICA CREDIT UNION - Bethalto, IL