B.E.a.
Verified Information
NCUA Insured
Member-Owned
2 charter
Established in 1954
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Bethalto, IL may be eligible to join. Community credit unions are open to the general public within their service area.
Verified Information
NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1954
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
Location & Directions
Service Area
This credit union is located in Bethalto and serves members in the IL area. Currently serving 423 members.
Membership Info:
Contact the credit union to confirm membership eligibility requirements for your area.
Note on Membership
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Financial Health
Q4 2025 · NCUAKey indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Loan Rates
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
4.06%Used Auto Loan
6.04%Personal Loan
12.17%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Best Rates in IL
Lowest rates currently reported by credit unions in IL (NCUA Q4 2025).
Danville, IL
Chicago, IL
Chicago, IL
Bannockburn, IL
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
Branches & Locations(2 total)
Member Reviews
4.4
205 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Maps
Darren Warden
3 months ago
I wanted to transfered my truck loan from USBank. Lindsey Wieland helped me with the process. Im very impressed, Lindsey was prompt, friendly, and professional... I will highly recommend 1st MidAmerica credit union to my business associates and friends.
Sid
6 months ago
Lindsey did an amazing job today. She answered all of my questions and I was approved for the product that I applied for. She was patient, concise, and understanding. I appreciate these personality traits when looking to apply for new products
deborah welker
6 months ago
Marci did an outstanding job in helping me in my time of need. She was calm, and cool she took her time and made me feel appreciated. I love all the staff at Bethalto they always treat me like family.
Brittany Dunham
6 months ago
Carla Link was great during my whole loan process. She was helpful, and kept me informed and really worked with my budget. Highly recommend First Mid America for auto loans.
Leo E.
4 months ago
Very unsatisfied with the auto loan process when buying a vehicle private party. The process itself to get the cashier's check took two weeks and they don't issue license plates on site. So now it's three to four weeks to finalize everything. Poor communication, all through text. Go somewhere else.
Contact Tips
Best Time to Call
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
What to Ask
- • Current loan rates & terms
- • Membership eligibility requirements
- • Minimum deposit to open an account
- • Online & mobile banking features
NCUA Insured
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Key Information
Phone
(618) 377-3948Members
423
Total Assets
$2.3M
Year Opened
1954
Net Worth
Well Capitalized
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile