1st MidAmerica Credit Union Independence MO | Low Mortgage Rates & Auto Loans

Introduction

Welcome to 1st Midamerica, where your financial goals take center stage! Located at 19301 E Valley View Pkwy, Independence, MO 64055, we have proudly served our community since 1934. With over 63,545 members, we are more than just a credit union; we're a trusted partner in your financial journey. At 1st Midamerica, we believe in putting our members first. Our total assets of $987,546,827 and total deposits amounting to $10,607,491 reflect our commitment to providing you with stability and growth opportunities. We understand that every member's needs are unique, which is why we offer a diverse range of services from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Our team of dedicated professionals, led by CEO Alan Meyer and Board President Rosemary Gibson, is here to guide you every step of the way. With 179 employees working tirelessly for your benefit, you can trust that you're in capable hands. Plus, our strong net worth of $113,567,383 ensures that your finances are secure with us. While you're welcome to visit us at our branch for any inquiries or transactions, please note that all official correspondence should be sent to our mailing address: 19301 E Valley View Pkwy, Independence, MO 64055. We invite you to explore what we have to offer by visiting our website at 1st Midamerica or calling us at 800-345-4216. Whether you're looking for personal loans or business banking solutions, we're here to help you achieve your financial dreams. Join us today and experience the difference that comes with being part of the 1st Midamerica family!

Branch History & Mission

Our Mission

At the heart of 1st Midamerica is our mission: to empower individuals and families through accessible financial solutions while actively contributing to the communities we call home. We understand that banking is more than just transactions; it's about building relationships and supporting one another through life's ups and downs. We offer a range of services tailored to meet the diverse needs of our members from personal banking options like checking and savings accounts to vehicle financing and mortgage loans. We also provide business banking solutions to help local enterprises thrive. Our drive-thru service makes banking even more convenient for those on the go, while ATM access ensures you can reach your funds anytime. In addition to meeting financial needs, we are committed to community outreach. Through various partnerships and initiatives, we strive to uplift those around us. Whether it's participating in local events or offering educational resources on financial literacy, we believe that every effort counts toward building a stronger community. As technology continues to shape how we bank, we're proud to embrace digital advancements that enhance member experiences. With online banking, mobile payments, and e-statements available, managing finances has never been easier or more accessible. While members can visit us at 19301 E Valley View Pkwy, official correspondence should be sent to 19301 E Valley View Pkwy, Independence, MO 64055 if needed. We invite you to join our growing family at 1st Midamerica. Experience firsthand how we put people before profits because your success is our success. Call us today at 800-345-4216 or visit us online at 1st Midamerica to learn more about becoming a member!

Branch Location & Accessibility

A Welcoming Atmosphere

At our Independence Office, we prioritize making your visit as smooth and pleasant as possible. We offer ample parking right at the branch, ensuring that you can pop in without any hassle. Our facility is designed with accessibility in mind, featuring ramps and ADA-compliant features so everyone can feel welcome.

Convenient Hours for Your Busy Life

We know life can get busy, which is why we're open Monday through Friday from 9 AM to 5 PM, and even Saturday mornings from 8 AM to 12 PM. If you need assistance outside of these hours, don't hesitate to give us a call at 800-345-4216 during business hours.

Let’s Connect!

While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same location: 19301 E Valley View Pkwy, Independence, MO 64055. We invite you to stop by or reach out anytime! Join us at 1st Midamerica and experience the friendly service that sets us apart.

Services Tailored Just for You

Whether you're looking for personal banking options like checking and savings accounts or need help with auto loans and mortgages, we've got you covered. Our drive-thru banking service allows for quick deposits and withdrawals without leaving your car perfect for those on the go! Plus, if you're a member of one of our partner credit unions, take advantage of our shared services for added convenience.

Member Eligibility

At 1st Midamerica, we believe that everyone deserves a chance to thrive within a community that supports their financial journey. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the area, you may be eligible to join us. We take pride in offering our members access to a variety of services designed to help them succeed, including checking and savings accounts, loans, and more. For detailed eligibility criteria, feel free to check out our resource at . Ready to open an account? You can start your journey by visiting us at http://www.1stmidamerica.org/loans/loan-services/apply-now or simply give us a call at (800) 345-4216 for any questions you might have. We're located at 19301 E Valley View Pkwy Independence Mo 64055, and we can't wait to welcome you into the 1st Midamerica family!

Business Banking & Commercial Services

Practical Merchant Services

In addition to our loan offerings, we provide merchant services that simplify payment processing for your business. Imagine a busy Saturday at your local café where customers are eager to pay but need multiple options credit cards, mobile payments, or cash. Our merchant services ensure you can accept payments seamlessly, helping you serve your customers better and keep them coming back. Located at 19301 E Valley View Pkwy Independence Mo 64055 in Independence, MO, we invite you to explore how our business banking solutions can empower your entrepreneurial journey. Reach out today at (800) 345-4216 to discuss how we can assist you!

Tailored Business Loans

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

Business Banking

For entrepreneurs, we offer specialized services like business banking, which includes merchant services and business loans. We understand the unique challenges of running a business and are committed to providing solutions that help you thrive.

Convenient Access

In addition to our core services, we also provide ATM and cash withdrawal services, ensuring easy access to your funds whenever you need them. Our drive-thru service allows for quick deposits and withdrawals without leaving your car perfect for busy days! You can also take advantage of basic shared branch transactions if you're a member of partner credit unions. This means you can deposit or withdraw funds even when you're away from home.

Credit Cards

Don't forget about our credit cards with rewards! They're perfect for earning points on purchases you already make every day. Enjoy the perks while managing your spending wisely.

Home Financing

If homeownership is on your radar, our mortgage loans and refinancing services can help make that dream a reality. We provide guidance through each step of the process, ensuring you find the right loan for your situation.

Personal Banking

Our personal banking options include both checking and savings accounts designed for everyday needs. Imagine easily managing your finances from anywhere with our online and mobile banking services. You can check balances, pay bills, and transfer money with just a few taps on your smartphone. For those considering purchasing a vehicle, we offer competitive auto loans and vehicle financing. Picture yourself driving off in that new car you've been eyeing, all while enjoying flexible payment options that fit your budget.

Personal Loans

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation options are here to help you navigate those challenges. Whether it's consolidating debt or funding a special project, we've got you covered.

Stay Connected

We believe in making banking easy and accessible. With features like mobile payments and person-to-person transfers, staying connected to your finances has never been simpler. If you'd like to learn more about how we can assist you or if you're ready to open an account, don't hesitate to call us at 800-345-4216 or visit us online at 1st Midamerica. We look forward to serving you!

Digital & Online Banking

Key Features

Our online banking service is available 24/7, giving you access to your accounts whenever you need it. Whether you're checking your balance or making a transfer, you can do it all with just a few clicks. Plus, with the ability to set up electronic signature authorization, signing documents is quick and hassle-free. If you're looking for a more eco-friendly option, our e-statements are a fantastic choice. You'll receive your statements electronically, which not only helps the environment but also keeps your information organized and easily accessible. For those on the go, our mobile application brings banking right to your fingertips. With features like mobile payments and person-to-person transfers, sending money to friends or paying for goods is as simple as a tap on your smartphone. You can also rest easy knowing that all transactions are protected with robust security measures. Managing your account has never been more straightforward. Whether you're using our online banking platform or the mobile app, you'll find everything is designed with ease of use in mind. The real-time updates help you stay informed about your finances without any guesswork. Join us at 1st Midamerica and experience how digital banking can simplify your life while providing the security you deserve. Embrace the future of banking today!

Financial Strength

Commitment to Growth and Innovation

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 is supported by $67,632 in used auto loans and $824,947,320 in total loans and leases, helping our members achieve their financial goals across various sectors.

Growing Membership

The trust from our community is evident with a total of 117,316 share accounts. This growing member base showcases how many individuals rely on 1st Midamerica for their financial needs. 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 19301 E Valley View Pkwy Independence Mo 64055 or call (800) 345-4216 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Member-Centric Approach

Your 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.

Operational Efficiency

Our impressive $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.

Solid Financial Health

With a net worth of $113,567,383, we maintain robust 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. Whether you're interested in a brand-new model or a reliable used vehicle, we have financing solutions that can make your purchase easier.

Business Financing

For business owners, our outstanding commercial loans totaling $84,003,818 provide the capital needed to grow and expand. We are committed to supporting local businesses with tailored financing solutions that suit their specific needs. We also believe in making financing accessible through various refinancing options. If you're looking for ways to lower your monthly payments or consolidate debt, reach out to us for more details on how we can assist you. For any questions or to explore your loan options further, don't hesitate to contact us at 800-345-4216. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whether you're seeking an auto loan, mortgage assistance, or support for your business endeavors, 1st Midamerica is here to help you navigate your financial journey with confidence.

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 offer various terms and competitive rates that cater to first-time buyers as well as those looking to refinance an existing mortgage.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why 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. This option allows for easy access to funds when needed without tying up your assets.

Loan Aggregator

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1St Midamerica