The stronger your relationship with us, the greater
Member Relationship Rewards is a program that rewards you with increased savings
and convenience for making 1st MidAmerica your primary financial
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
Frequently Asked Questions
Why did 1st MidAmerica introduce Member Relationship
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?
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
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
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
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
What can I do to increase my rewards?
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?
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