Credit union · NCUA insured
1st MidAmerica Credit Union CD Rates
Top Carrot1st MidAmerica Credit Union’s best CD rate is 4.58% APY on a 35-month share certificate (CD), with extra requirements. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How 1st MidAmerica Credit Union’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where 1st MidAmerica Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
1st MidAmerica Credit Union
4.58%APY
- Term
- 35 months
- Minimum
- —
- Earns on $10,000
- $1,395
Share Certificates
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
1st MidAmerica Credit Union CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.32%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo4.58%
- QualifiedQualified4.58%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1st MidAmerica Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.58%APY · 12 terms
Early withdrawal on share certificates may affect dividends earned.
| Term | APY · $300 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 0.60% | 0.60% | $30 |
| 7 months7 Month *Special* | — | 4.00% | 4.00% | $231 |
| 12 months | — | 0.70% | 0.70% | $70 |
| 12 monthsYouth Velocity | 0.95% | — | 0.95% | $95 |
| 13 months13 Month *Special* | — | 4.32% | 4.32% | $469 |
| 18 months | — | 0.75% | 0.75% | $113 |
| 21 months21 Month *Special* | — | 3.55% | 3.55% | $629 |
| 24 months | — | 0.80% | 0.80% | $161 |
| 35 months35 Month *Special* | — | 4.58% | 4.58% | $1,395 |
| 36 months | — | 0.85% | 0.85% | $257 |
| 48 months | — | 0.90% | 0.90% | $365 |
| 59 months59 Month *Special* | — | 3.55% | 3.55% | $1,871 |
| 60 months | — | 1.51% | 1.51% | $778 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Share Certificates
Up to 4.58%APY · 12 terms
Early withdrawal on share certificates may affect dividends earned.
| Term | APY · $300 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 0.60% | 0.60% | $30 |
| 7 months7 Month *Special* | — | 4.00% | 4.00% | $231 |
| 12 months | — | 0.70% | 0.70% | $70 |
| 12 monthsYouth Velocity | 0.95% | — | 0.95% | $95 |
| 13 months13 Month *Special* | — | 4.32% | 4.32% | $469 |
| 18 months | — | 0.75% | 0.75% | $113 |
| 21 months21 Month *Special* | — | 3.55% | 3.55% | $629 |
| 24 months | — | 0.80% | 0.80% | $161 |
| 35 months35 Month *Special* | — | 4.58% | 4.58% | $1,395 |
| 36 months | — | 0.85% | 0.85% | $257 |
| 48 months | — | 0.90% | 0.90% | $365 |
| 59 months59 Month *Special* | — | 3.55% | 3.55% | $1,871 |
| 60 months | — | 1.51% | 1.51% | $778 |
Sources (2)
All captured Oct 6, 2026
Who can join 1st MidAmerica Credit Union
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