1st Midamerica Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
Decatur Office	202 E Ash Ave, Decatur, IL 62526	View Lobby Hours
Bethalto 111 Office	301 Mechanical Dr, East Alton, IL 62024	View Lobby Hours
Granite City Office	3361 Fehling Rd Ste 7, Granite City, IL 62040	View Lobby Hours
Godfrey Office	5301 Godfrey Rd, Godfrey, IL 62035	View Lobby Hours
Bethalto 140 Office	731 E Bethalto Dr, Bethalto, IL 62010	View Lobby Hours
College Office	3553 College Ave, Alton, IL 62002	View Lobby Hours
Jerseyville Office	300 W County Rd, Jerseyville, IL 62052	View Lobby Hours
Independence Office	19301 E Valley View Pkwy, Independence, MO 64055	View Lobby Hours
Wood River Office	1795 E Edwardsville Rd, Wood River, IL 62095	View Lobby Hours
Edwardsville Office	1611 Troy Rd, Edwardsville, IL 62025	View Lobby Hours
Broadway Office	3401 E Broadway, Alton, IL 62002	View Lobby Hours
East Alton Office	419 N Shamrock St, East Alton, IL 62024	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1835285	6.482%	6.375%	0.63	$3,603	$1,997	Learn More
NMLS ID: 2578474	6.611%	6.500%	0.88	$3,690	$2,023	Learn More
NMLS ID: 1661781	6.614%	6.500%	0.88	$3,973	$2,023	Learn More
NMLS ID: 66247	6.695%	6.625%	0.75	$2,330	$2,049	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Achieve Loans See Table	Intro APR 10.625 % After Intro: 10.625 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Lender. All loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 640 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.00% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

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