Credit union · NCUA insured
1st MidAmerica Credit Union Savings Rates
Top Carrot1st MidAmerica Credit Union’s best savings rate is 2.02% APY on $10,000, with its Money Market Deposit Accounts. Rates checked October 16, 2026.
How 1st MidAmerica Credit Union’s savings 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
1.81%APY
- Requires
- None
- Earns on $10,000 a year
- $181
Money Market Deposit Accounts
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Earns on $10,000 a year
- $450
1st MidAmerica Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.02%
- $10,000 balance$10,0002.02%
- $100,000 balance$100,0002.02%
- QualifiedQualified2.02%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Deposit Accounts
Up to 2.02%APY
Average Monthly Balances under $2,500 are subject to a $10.00 monthly service fee, and will earn the Regular Share Rate. Insured up to $500,000: federally insured up to $250,000 by NCUA, and insured up to an additional $250,000 by ESI, a private insurer.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceOver $100,000.00 | 2.02% | $202 | Over $100,000.00 |
| $2,500 – $10,000 | 1.76% | — | |
| $10,000 – $25,000 | 1.81% | $181 | |
| $25,000 – $50,000 | 1.92% | — | |
| $50,000 – $100,000 | 1.97% | — |
Sources (3)
- 1stmidamerica.org/accounts/savings
- 1stmidamerica.org/accounts/savings/savings
- 1stmidamerica.org/accounts/resources/savings-rates
All captured Oct 6, 2026
Reward Savings
Up to 0.75%APY
Must be linked to a High Interest Reward Checking or Cash Back Reward Checking account. To earn qualifying rate, linked checking account must satisfy monthly qualification cycle requirements (minimum 12 debit card purchases post, receive monthly e-Statements, and log into online banking at least once during cycle); otherwise earns non-qualifying rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000Qualifying rate tier when linked checking account meets qualification cycle requirements. | 0.75% | $75 | Qualifying rate tier when linked checking account meets qualification cycle requirements. |
| Any balanceNon-qualifying rate applies if linked checking account does not meet qualification cycle requirements. | 0.01% | $1 | Non-qualifying rate applies if linked checking account does not meet qualification cycle requirements. |
| Over $15,000Qualifying rate tier for balance over $15,000.00 when linked checking account meets qualification cycle requirements. | 0.25% | — | Qualifying rate tier for balance over $15,000.00 when linked checking account meets qualification cycle requirements. |
Sources (1)
- 1stmidamerica.org/accounts/resources/savings-rates · captured Oct 6, 2026
Regular Shares
0.05%APY
The minimum deposit to open a new share account is $5.00 along with a $0.25 membership fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Accounts
0.10%APY
No annual or maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
- 1stmidamerica.org/accounts/savings
- 1stmidamerica.org/accounts/savings/iras
- 1stmidamerica.org/accounts/resources/savings-rates
All captured Oct 6, 2026
Who can join 1st MidAmerica Credit Union
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