1st MidAmerica Credit Union Godfrey IL | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to 1st Midamerica, your trusted financial partner located at 5301 Godfrey Rd, Godfrey, IL 62035. Established in 1934, we have been dedicated to serving our community with integrity and care for nearly a century. With a robust membership of over 63,000, we pride ourselves on being more than just a credit union; we are a part of your journey toward financial success. At 1st Midamerica, our total assets have grown to an impressive $987,546,827, allowing us to offer competitive loans and savings options tailored to your needs. Our commitment to our members is reflected in our total deposits of $10,607,491 and net worth of $113,567,383. Whether you're looking for personal banking services like checking and savings accounts or need assistance with auto loans and mortgages, we have the resources and expertise to support you. Our team of dedicated professionals, led by CEO Alan Meyer and Board President Rosemary Gibson, is here to ensure that you receive personalized service every step of the way. We employ 179 talented individuals who are passionate about helping you achieve your financial goals. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same address: 5301 Godfrey Rd, Godfrey, IL 62035. We encourage you to explore our full range of services, including online banking and mobile payments through our website at 1st Midamerica. Ready to take control of your finances? Give us a call at (618) 258-3168 or stop by today! Your future starts here with 1st Midamerica.

Branch History & Mission

Community Engagement

Community support is at the core of what we do. Over the years, we've built partnerships that extend beyond finance; we participate in various outreach programs designed to uplift those around us. Our shared service center allows members from partner credit unions to access their accounts seamlessly, reinforcing our commitment to collaboration within the community. We understand that each member's journey is unique. Therefore, we invite you to join us at 1st Midamerica and explore how we can assist you on your financial path. Experience personalized service and dedicated support by becoming a member today! Visit our website here or apply online here. Together, let's build a brighter future!

Our Mission

At 1st Midamerica, our mission is clear: we aim to empower our members through accessible financial services while actively supporting our community. We believe in providing not only traditional banking services but also innovative solutions tailored to meet diverse needs. Whether you're looking for personal banking options like checking accounts and auto loans or seeking assistance with business banking, we are here for you every step of the way. We take pride in offering modern conveniences such as online banking and mobile payments while ensuring that all our services are ADA compliant. Additionally, we feature both ATM availability and drive-thru banking for your convenience. While members can visit us at 5301 Godfrey Rd, official correspondence should be sent to the same address. If you need to reach out directly, feel free to call us at 618-258-3168.

Branch Location & Accessibility

A Warm Invitation

Whether you're an existing member or looking to join our family, we invite you to visit us at the Godfrey Office today! If you have any questions or need assistance, feel free to give us a call at 618-258-3168. We look forward to helping you achieve your financial goals with friendly service and expert advice!

Nearby Landmarks and Accessibility

Our branch is situated near several well-known spots, including the local shopping centers and parks, making it a familiar landmark for many residents. We understand that accessibility is key, which is why our location features ADA-compliant facilities, including ramps and accessible parking spaces. You'll find ample parking available right outside the entrance, ensuring a hassle-free visit.

Operating Hours and Services

At 1st Midamerica, we want to make banking as easy as possible. Our lobby hours are designed with your schedule in mind: 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 drive-thru banking, we've got you covered with service available Monday through Friday from 8 AM to 6 PM and Saturday from 8 AM to 12 PM. We offer a variety of personal banking services like checking and savings accounts, auto loans, mortgages, and credit cards with rewards all tailored to fit your financial needs. Additionally, we provide access to ATMs for quick cash withdrawals and basic transactions for your convenience.

Member Eligibility

Welcome to 1st Midamerica, where becoming a member means joining a caring community focused on your financial well-being! If you're interested in membership, you'll be glad to know that eligibility is open to a variety of individuals and groups. While specific details can vary, typically, you may qualify if you live, work, worship, or attend school in the area around our branch at 5301 Godfrey Rd Godfrey Il 62035. This inclusive approach ensures that we welcome everyone who shares our values and goals. To get started on your journey with us, simply visit our website for more information about the eligibility criteria at . It's easy to check whether you meet the requirements. Once you've confirmed your eligibility, opening an account is just as straightforward! You can find all the details on how to apply by visiting http://www.1stmidamerica.org/loans/loan-services/apply-now . If you have any questions or need assistance along the way, don't hesitate to reach out at (618) 258-3168. We're excited to have you join our family at 1st Midamerica!

Business Banking & Commercial Services

Merchant Services That Work

In addition to loans, we offer comprehensive merchant services that simplify transactions for your business. Imagine having a reliable payment processing solution that lets you focus on serving your customers while we handle the technical side. Our tools help streamline operations, making it easier for you to manage sales and track revenue. Located at 5301 Godfrey Rd Godfrey Il 62035 in Godfrey, IL, we're here to provide personalized service tailored to your business's needs. Connect with us today at (618) 258-3168 to discover how we can help your business thrive!

Tailored 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.

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash on the go? Our ATM & Cash Withdrawal Services ensure you have access to your funds when you need them most. Additionally, our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your vehicle.

Business Banking

For our business members, we have tailored solutions through our Business Banking services. This includes essential offerings like Merchant Services & Business Loans, designed to help your business thrive in today's competitive market.

Credit Cards and Rewards

Don't forget about our Credit Cards with Rewards! These cards not only offer convenience but also allow you to earn points on your purchases, which can be redeemed for exciting rewards.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we proudly offer Online & Mobile Banking so you can manage your finances anytime, anywhere. With features like mobile payments and person-to-person transfers, banking has never been more accessible.

Personal Banking

We understand that managing your money effectively is important. That's why we offer Personal Banking options such as Checking & Savings Accounts that help you save and grow your funds efficiently. Whether you're saving for a vacation or everyday expenses, our accounts come with features designed to make banking straightforward and accessible. When it comes to financing, our Auto Loans & Vehicle Financing options provide competitive rates to help you get behind the wheel of your dream car without breaking the bank. For those looking to invest in real estate, our Mortgage Loans & Refinancing services make home buying or refinancing simpler than ever. If you need a little extra support, consider our Personal Loans & Debt Consolidation services. We aim to provide flexible terms that suit your budget, making it easier for you to manage existing debts or finance unexpected expenses.

Shared Branch Transactions

As part of our commitment to serving you better, we also provide basic shared branch transactions. This means if you're a member of partner credit unions, you can make deposits and withdrawals at our location too! Our friendly staff is here to assist you every step of the way. If you're ready to take control of your finances or have any questions about how we can help meet your needs, don't hesitate to reach out! Call us at 618-258-3168 or visit us today at 1st Midamerica, located conveniently in Godfrey. Experience the difference with 1st Midamerica - where your financial well-being is our top priority!

Digital & Online Banking

Key Services

Explore our robust online banking features by visiting us at https://www.1stmidamerica.org . One of the standout offerings is the ability to enroll in e-statements, making it easy for you to keep track of your account activity without the clutter of paper statements. Plus, with electronic signature authorization available, signing documents is quick and secure. For those who enjoy using their smartphones, our mobile application is here to help. You can make mobile payments effortlessly, allowing you to pay for purchases directly from your phone. Need to send money to a friend? Our person-to-person transfer feature makes it simple and fast.

Security and Accessibility

At 1st Midamerica, we prioritize your security while ensuring ease-of-use. Our online banking system uses advanced encryption methods to protect your information. You can feel confident knowing that your transactions are safe with us. Whether you're checking your balance during a lunch break or transferring funds late at night, our services adapt to your schedule. With real-time account management tools, you'll always know where you stand financially. Join us today at 1st Midamerica and experience how our digital banking services can streamline your financial life!

Financial Strength

Commitment to Operational Excellence

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 Together

Total Share and Deposit Accounts: 117,316, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 5301 Godfrey Rd Godfrey Il 62035 or call (618) 258-3168 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

Reinvesting in Your Future

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.

Solid Financial Foundation

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

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 flexible terms tailored to fit your budget and lifestyle. Plus, if you're considering refinancing an existing auto loan, we can help you explore eligibility options that may save you money.

Business Financing

For business owners, our outstanding commercial loans totaling $84,003,818 provide the capital needed to grow and expand. Whether it's for equipment purchases or operational costs, we are here to support your business journey with tailored lending solutions. At 1st Midamerica, we believe in empowering our members through informed financial decisions. For performance insights and financial data related to our loan offerings, refer to the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Ready to take the next step? Visit us at 5301 Godfrey Rd, Godfrey IL 62035 or call us at 618-258-3168 for more information about how our loan products can help you achieve your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $27,394,741. With competitive interest rates and straightforward application processes, owning your dream home could be closer than you think.

Unsecured Credit Card Loans

Managing daily expenses can be challenging. That's why we offer flexible terms on unsecured credit card loans, with a total of $36,206,654 in loans helping members manage their finances effectively. Enjoy benefits like low rates and no annual fees while gaining peace of mind knowing you have financial support when needed.

Loan Aggregator

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1ST MIDAMERICA CREDIT UNION - Godfrey, IL