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ROUTING # 281076730

Credit Cards

Visa Platinum Credit Cards


Propel your savings and leave high rates behind!


Leave high rates behind when you transfer your high rate credit card balances to your Visa Platinum credit card and lock in 2.99% APR for 24 months and get 1.99% APR for 12 billing cycles on purchases!

Maybe you took advantage of discounts offered during shopping season on department store credit cards. Or maybe you paid off bills with a high rate card from one of the big banks. Whatever the reason for your high rate balances, we can provide relief with 2.99% for 24 months!

Plus, there are no annual fees. Get started online here, or by phone at (618) 258-3168 or (800) 345-4216, or speak with us face-to-face with Go Live Video Banking.

Time is limited on this offer! Take advantage of this incredible offer by April 30, 2021!


APR = Annual Percentage Rate. Approval and rate subject to credit worthiness. Minimum $500 balance transfer. Payoff of other loans at 1st MidAmerica Credit Union not allowed. Current 1st MidAmerica Visa balance not allowed. Balance transfer fee of $10.00 or 2% of the amount of each balance transfer, whichever is greater, applies. Offer valid until 4/30/21. Rate will adjust to standard approved rate. Federally insured by NCUA.



Visa Logo

Switch & Save!

Dump your high credit card rates and save with a Platinum Visa from 1st MidAmerica! 

Apply for a credit card now!

Or Go Live, and speak to us face-to-face through video banking!

  • No annual fees
  • Optional ScoreCard Rewards Program
  • Built-in safety features to protect your card from fraud

And more Platinum Credit Card benefits...

Important Visa Credit Card Disclosures

View our full Credit Line Account Agreement and Federal Disclosure Statement here.

Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE (APR) for Purchases and Cash Advances; and Balance Transfers

Platinum: 8.9% APR
Platinum Rewards: 9.9% APR - 13.90% APR, based upon credit worthiness

How to Avoid Paying Interest on PurchasesYour due date is 25 days after the close of each billing cycle. We will not charge any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau at


Annual FeesNone
Penalty Fees
- Late Payment
- Returned Payment



Transaction Fees
- Foreign Transaction
- Cash Advance


1% of transaction amount

- Balance Transfer $10.00 or 2% of the amount of each balance transfer, whichever is greater
International Service Assessment Fee1% of transaction amount

How We Will Calculate Your Balance: We use a method called average daily balance (including new purchases).

ScoreCard Rewards

Not only do you get to save money with our incredible rates, but you can also save up points! Each purchase you make with our Platinum Rewards Visa Credit Card earns you valuable Bonus Points that may be redeemed for brand name merchandise and exciting travel rewards.

Visit to see the amazing array of rewards.

Visa Purchase Alerts

Enrolling in Visa Purchase Alerts for your Platinum card gives you so many benefits:

  • Security. Keep your account secure by getting alerts for transactions in real-time and immediately identify potentially fraudulent activity.
  • Control. Take an active role to track spending and stay on top of account balances.
  • Convenience. Choose your alerts to what makes sense for you.

Enroll in Visa Purchase Alerts here in 3 simple steps!

To make inquiries about your Visa account, visit, where you can check your Visa history, balances and more!

Verified by Visa

Go here to register for Verified by Visa, the program that protects you while you shop online.

While making a purchase on the internet, merchants may ask you for a password to proceed with your Visa transaction - this password is designated by you and protects your Visa account number from fraud. Assign your password now - and shop knowing that your card is protected!

Paying online just got easier with Visa Checkout

Say hello to a simple, speedy and safe new way to get through online checkout.

  • Pay with a single login from any device
  • Guard your data behind multiple layers of security
  • Keep earning the card rewards you love

Enroll in Visa Checkout with your 1st MidAmerica Platinum Visa today.

Enroll in Visa Checkout

About 1st MidAmerica

As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances.

Read more about us