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ROUTING # 281076730

Loan Rates

Approval and your Annual Percentage Rate may be higher depending on your credit worthiness. Please ask a Financial Service Representative for details regarding how your rate is determined. Interest rates are subject to change and are as low as those listed below. Other restrictions may apply.

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Credit Cards

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 that occur after six months of opening the card.

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

1.99% APR for first 12 months, for new cards opened January 10, 2020 through March 31, 2020

ANNUAL PERCENTAGE RATE (APR) for Balance Transfers made between January 10, 2020 and March 31, 2020.0% APR for 12 months, then standard rate
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.


Annual FeesNone
Penalty Fees
- Late Payment
- Returned Payment



Transaction Fees
- Foreign Transaction
- Balance Transfer
- Cash Advance


1% of transaction amount
$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).

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