a vehicle is easy at 1st MidAmerica!
1st MidAmerica is a full-service lending
institution. We offer loans to purchase or refinance
new or used vehicles, boats, watercraft, recreational
vehicles, campers, motorcycles, and more!
rates are always competitive and we will lend up to
125% of the sales price plus costs to cover sales tax,
title work and extended warranties to qualified members. The credit union also offers temporary credit disability insurance and credit life insurance at a nominal cost.
With our low rates and low fees, what are you waiting
Additional Programs and Services
We also offer additional programs and services
to make the process of buying a vehicle a breeze.
If the vehicle you financed through us is in an accident or is stolen,
your primary insurance carrier will only cover the
actual market value of the vehicle at the time of the
loss. Should your insurance carrier deem your vehicle
a total loss, GAP Protection Insurance (Guaranteed
Asset Protection) reimburses the difference between
the actual / market value of your vehicle and the loan
payoff, if that amount is greater.*
*Complete terms and provisions are contained within each Agreement.
We have partnered with Route 66 Warranty to provide you with a complete line of coverage designed to keep your vehicle on the road. Even the most reliable vehicle can develop a mechanical problem. That’s why so many people depend on Route 66 Warranty. No matter where you travel in the United States, Route 66 Warranty protects you against major mechanical expenses, and there is NO DEDUCTIBLE on covered parts and labor. From Drivetrain Coverage to more Deluxe and Factory Type Coverage, a variety of plan options are available.
All of the plans come with 24 hour/7days a week Emergency Roadside Service. To accommodate members who would like to purchase a warranty and already have an 1st MidAmerica auto loan, or may have an auto loan at another financial institution, we have a special offer for this new program.
We are now offering an 18 month signature loan at 1.9% APR to anyone who would like to finance a credit union offered warranty.
*Complete terms and provisions are contained within each Service Agreement. Special loan and rate subject to credit worthiness.
Indirect Program & Dealerships
1st MidAmerica has established lending relationships with many automobile, boat, RV and ATV
dealerships to provide our members with ease in obtaining credit union financing.
When making a purchase from one of our participating dealers, members can complete
all loan processing right from the dealer's office while receiving the financing
from 1st MidAmerica. This arrangement allows you the added convenience of "one stop
shopping." The rates, terms and features of the loan are the same as those
offered to members at the credit union facility.
here for a list of affiliated dealerships.
We have also partnered with CUDL (Credit Union
Direct Lending) to offer our members one-stop vehicle shopping when purchasing
an automobile. Members who used dealerships partnered with us can choose
their vehicle and secure financing through the credit union right at
the dealership - no separate trip to a branch to apply for a loan is
required. The approval process is a quick and convenient way for members
to purchase a vehicle.