1st MidAmerica Credit Union Granite City IL | Affordable Vehicle Loans & Mortgage Refinancing

Introduction

Welcome to 1st Midamerica, your trusted financial partner in the heart of Granite City, IL. Since our establishment in 1934, we have been dedicated to serving our community with a personal touch, ensuring that each member feels valued and supported. Located conveniently at 3830 Nameoki Rd, we are proud to be part of a vibrant community where financial dreams come true. With a strong membership base of over 63,545 individuals, we have built a robust foundation with total assets amounting to an impressive $987,546,827. Our commitment to you is reflected in our total deposits of $10,607,491, showcasing our members' trust in us as their preferred financial institution. Additionally, we have successfully facilitated 106,747 loans and leases, helping our members achieve their goals whether it's buying a new car or purchasing a home. At 1st Midamerica, we believe in transparency and community impact. Our net worth stands at $113,567,383, and we maintain about $9,907,154 in cash to ensure we can meet the needs of our members promptly. Under the leadership of CEO Alan Meyer and Board President Rosemary Gibson, our team of 179 employees is here to provide exceptional service tailored just for you. We are more than just a credit union; we are your neighbors. As your local financial institution, we strive to make banking easy and accessible through services like personal banking accounts, auto loans, mortgage financing, and online banking options. While members can visit us at 3830 Nameoki Rd, official correspondence should be sent to the same address. Our commitment to innovation ensures that you can manage your finances on the go with mobile payments and online banking capabilities. We invite you to explore all the ways 1st Midamerica can support your financial journey. Ready to take the next step? Give us a call at (618) 258-3168 or visit us today at 1st Midamerica. We look forward to welcoming you!

Branch History & Mission

Welcome to the inspiring world of 1st Midamerica, where our story began in 1934 right here in Granite City, Illinois. Over the decades, we have grown from a small community initiative into a trusted financial partner for over 63,000 members. Our journey reflects a commitment not just to banking, but to uplifting our community. Located at 3830 Nameoki Rd, Granite City, IL 62040, our branch stands as a beacon of support and service. We are proud to be part of a vibrant neighborhood, easily accessible for all your banking needs. While members can visit us at this address, official correspondence should be sent to the same location. Our mission is simple yet powerful: to provide exceptional financial services while nurturing the communities we serve. We believe that banking should be about people, not just numbers. With total assets reaching an impressive $987,546,827, we are well-equipped to offer a wide range of services including personal and business banking, auto loans, mortgages, and more. At 1st Midamerica, we prioritize convenience and accessibility. Our branch features drive-thru banking for quick transactions and an ATM available for easy access to your funds anytime you need them. We understand that life can be busy; that's why our operating hours are designed with you in mind Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 12 PM. We are also committed to keeping pace with the changing times. Through digital advancements like online banking and mobile payments, we ensure that managing your finances is easier than ever. Our customer-centric initiatives also include ADA compliance to make our services accessible for everyone. Beyond banking, we actively engage in community outreach efforts aimed at making a positive impact in Granite City. Whether through partnerships with local organizations or by supporting community events, we strive to give back and foster connections within our neighborhoods. As we look toward the future, we invite you to join us on this exciting journey. Experience the benefits of being part of 1st Midamerica where your financial goals meet genuine community care. For more information or to open an account today, visit us at 1st Midamerica or give us a call at 618-258-3168. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to the 1st Midamerica Granite City Office, your friendly neighborhood credit union located at 3830 Nameoki Rd, Granite City, IL 62040. We take pride in being easily accessible for our members and community. Nestled conveniently near local shops and restaurants, our branch is a short drive from popular spots like the Granite City Park and the historic downtown area. At our branch, we prioritize your convenience. You'll find ample parking available, along with features designed to assist all members, including ADA-compliant ramps for easy access. Our team is dedicated to making your visit smooth and enjoyable. We understand that life can get busy, which is why we offer flexible operating hours. Our lobby welcomes you 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're in need of quick banking services outside these hours, our drive-thru is open Monday through Friday from 8 AM to 6 PM and Saturday from 8 AM to 12 PM. In addition to our welcoming atmosphere, we also provide a range of services designed to meet your financial needs. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. Plus, our ATM is available on-site for your cash withdrawal needs. While members can visit us at 3830 Nameoki Rd for transactions and inquiries, any official correspondence should be sent to the same address as our mailing address remains unchanged. Feel free to reach out to us at 618-258-3168 if you have any questions or would like more information about what we offer. We invite you to stop by the Granite City Office today your financial journey starts here!

Member Eligibility

Becoming a member of 1st Midamerica is like joining a warm, welcoming family that cares about your financial well-being. To be eligible, you generally need to live, work, or worship in the areas we serve or have a family member who is already a member. This creates a community where everyone looks out for each other. If you're curious about the specific requirements and want to make sure you qualify, feel free to check out the detailed criteria. Once you're ready to take the next step, opening an account is simple and straightforward. You can start this process online by visiting http://www.1stmidamerica.org/loans/loan-services/apply-now, or if you prefer a personal touch, don't hesitate to call us at (618) 258-3168. We're located at 3830 Nameoki Rd Granite City Il 62040, and our friendly team is always here to help you along your journey toward better financial health!

Business Banking & Commercial Services

Loan Options That Fuel Growth

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 That Make Life Easier

In addition to loans, we provide merchant services that simplify transactions and improve cash flow. Imagine accepting payments quickly through various methods credit cards, mobile payments, or even contactless options. This flexibility allows you to focus more on what matters: running your business smoothly. Visit us at 3830 Nameoki Rd Granite City Il 62040 in Granite City, IL or call us at (618) 258-3168 to learn how our business banking services can help you thrive!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash quickly? Our ATM services allow you to make withdrawals and check balances at your convenience. Additionally, our drive-thru service makes it easy for you to complete basic transactions like deposits and withdrawals without having to leave your car.

Business Banking Services

At 1st Midamerica, we understand that small businesses are the backbone of our community. That's why we offer business banking services including merchant services and business loans. Whether you're just starting out or looking to expand, we're here to support your entrepreneurial journey.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we've made online and mobile banking a priority. With features like mobile payments, e-statements, and person-to-person transfers, managing your finances has never been easier. Access your accounts anytime, anywhere with just a few taps on your smartphone.

Credit Cards and Rewards

For those who love rewards, we offer credit cards that not only come with competitive rates but also feature rewards programs. This means you can earn points on your everyday purchases making every dollar spent work for you!

Personal Banking Solutions

Our personal banking services are designed with you in mind. Need a reliable place to store your money? We offer checking and savings accounts that help you manage your funds efficiently while earning interest. If you're dreaming of a new car, consider our auto loans and vehicle financing options that can make that dream a reality without breaking the bank. When it comes to home ownership, our mortgage loans and refinancing options provide flexible solutions tailored to fit your budget. Plus, if you're facing unexpected expenses or need to consolidate debt, our personal loans can provide the support you need.

Shared Branch Transactions

If you're a member of a partner credit union, take advantage of shared branch transactions where you can make deposits and withdrawals easily at our location. We invite you to experience everything 1st Midamerica has to offer. For more information about our services or to speak with one of our friendly representatives, please call us at 618-258-3168 or visit us online at 1st Midamerica. Your financial journey starts here!

Digital & Online Banking

Convenient Access Anytime

With our 24/7 online banking services available at https://www.1stmidamerica.org, you can easily check your account balance, transfer funds, or pay bills from the comfort of your home or on the go. No more rushing to the bank before closing time; everything you need is just a click away.

Security You Can Trust

Your safety is our priority. Our online banking platform employs robust security measures to ensure that your personal information remains protected while you manage your finances. From two-factor authentication to encryption technology, we've got you covered. In short, whether you're at home or out and about, 1st Midamerica provides all the tools necessary for effective account management. Enjoy banking that fits into your life conveniently and securely!

Stay Informed with E-Statements

Say goodbye to paper clutter! We offer e-statements so you can view your financial statements online whenever you need them. This not only keeps your information organized but also adds an extra layer of security by reducing the risk of sensitive information getting lost in the mail.

User-Friendly Features

Our mobile application makes banking even easier. Whether you want to make mobile payments or send money to friends through person-to-person transfers, it's all right at your fingertips. Plus, with our electronic signature authorization, signing documents is quick and hassle-free. You can complete transactions securely without needing to print or scan anything.

Financial Strength

Dedicated Team

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. The trust of our growing member base is evident as we have a total of 117,316 share accounts. 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 3830 Nameoki Rd Granite City Il 62040 or call (618) 258-3168 to learn more about how we can help you achieve your financial goals.

Lending Capacity

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. Our operations show efficiency with a reported net income of $1,221,150, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member Savings Security

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.

Reinvestment in Member Services

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. This commitment to continuous improvement reflects our dedication to your financial wellbeing.

Strong 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 11.48% 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. Whether you're considering a brand-new model or a dependable used vehicle, we have financing options that can fit your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $84,003,818 provide the capital needed to grow and expand. These loans are designed to support your business ambitions while ensuring manageable repayment terms. If you're interested in any of our loan products or want to explore refinancing options, please don't hesitate to reach out. You can contact us at 618-258-3168 during our lobby hours: Monday-Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today at 1st Midamerica to learn more about how we can help you meet your financial goals!

Credit Options

For those looking for flexibility in managing expenses or consolidating debt, we also provide unsecured credit card loans with a total of $36,206,654 in loans helping members manage their finances effectively. This product offers you the freedom to purchase what you need without being tied down by high-interest rates.

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. We can assist you in navigating through the process to find the right solution for your housing needs.

Loan Aggregator

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1ST MIDAMERICA CREDIT UNION - Granite City, IL

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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