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1st MidAmerica Credit Union Exceeding Member Expectations
1st MidAmerica Credit Union

Relationship Rewards

The stronger your relationship with us, the greater your rewards!

Member Relationship Rewards is a program that rewards you with increased savings and convenience for making 1st MidAmerica your primary financial partner.

As a cooperative, 1st MidAmerica depends on the participation of all member-owners to remain financially healthy as a leading community-based credit union. Member participation enables us to provide you with the best services available. And most importantly, your participation earns you rewards!

Still have questions? 

Frequently Asked Questions

Three Levels of Rewards

Level Premier Select Basic (3)
Combined relationship in
savings and loan balances
or more
$500 to $9,999 Less than $500
Free Debit Card
Free MemberLine
Free e-Teller
Free ez-Pay Online Bill Payment
Free Check Cashing Service (1)
4 Free withdrawals from non-1st MidAmerica owned ATMs (2) per month
Special promotional offers and coupons throughout the year
Free Plastic Card Replacement
Free Money Orders
Free Travelers Checks
Free Corporate Checks
Free Statement Copies

(1) Check cashing service subject to the credit union's Funds Availability Policy. Cost is $5 per check transaction at the Basic level. (2) Transactions made at non-1st MidAmerica owned ATMs. ATM owner-imposed surcharges may apply. (3) Basic level members subject to a $5 monthly maintenance charge. Accounts exempt from this charge: members age 23 or younger, members age 65 or older, and new members with accounts open less than 3 months. (4)or a client of 1st MidAmerica Investment Services.

Frequently Asked Questions

Why did 1st MidAmerica introduce Member Relationship Rewards?

We created Member Relationship Rewards to provide our members with increased savings and convenience for making us their financial provider. The more relationships you have with us, the higher your level of rewards.

How will I know which tier I am?

You will see your tier on your account statements.

When, or how often, will my tier change?

Your tier is subject to change on a monthly basis. As long as you maintain your current relationship, your tier will not change. If your balances increase to an amount that elevates you to a higher level, or your balances decrease to an amount that places you in a lower level, your level will not change for at least one statement period. On the last day of a month, your balances are calculated, then your tier is assigned and will appear on your next month's statement. For example, your balances for the month will be calculated on May 31, your tier will be assigned on June 30. If you are a Select or Premier member your rewards will begin on July 1. If you are a Basic member, your monthly maintenance charge will occur on June 30.

How is my total relationship, or balances, calculated?

On the last day of each month, your account balances are calculated. Your loan balances, as of the last day of the month, are added to the average daily balance of your share accounts for the month. All loans and share accounts are used to calculate your balances. These include mortgage, auto, home equity, visa and other personal loans, share certificates, money market accounts, IRAs, checking accounts and basic share accounts.

What promotional offers will I receive as a Premier member?

As a Premier member, you will receive the benefits outlined in our rewards chart. You will also receive periodic special offers or coupons for discounts on products and services. You may receive these through the mail or a staff member may make you special offers when you visit our branches.

Why do Basic members have a $5 monthly maintenance charge?

As a cooperative, we depend on the participation of all our member-owners to remain financially healthy, making it possible to successfully serve all our members. Member participation enables 1st MidAmerica to provide you with the best services and products available so you can manage your finances with convenience and confidence. Members contribute to the credit union by maintaining combined loan and share balances of over $500 with us. We are asking members who do not maintain combined loan and share balances above $500 to participate through a small cooperative contribution of $5 per month.

If my account reaches a zero balance, what will happen?

If your basic share account falls below $5, you will need to replenish your share account through account transfers or by making a deposit at one of our branches. If your account remains below $5 for 3 consecutive months, the credit union will either transfer funds from another share account or close your account if no other share funds are available for transfer. If your account is closed, you may open a new account with the credit union at a later date, but we will open the new account with a new account number.

What can I do to increase my rewards?

Here are some tips to help you quickly maximize your benefits:

Visit one of our Financial Service Representatives through our Call Center or at any branch for additional tips!

Why do members who use 1st MidAmerica Investement Services qualify for the Premier level?

We constantly strive to provide members with services that increase the financial well-being of our members. When a member elects to use Investment Services, the member is choosing to plan for the future. Whether you are planning for retirement, a child's education, or want to protect your assets, 1st MidAmerica offers no cost, no obligation financial management service to assist you. 


Your savings federally insured to at least $250,000 by the National Credit Union Administration. An additional $250,000 is privately insured by ESI.
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