Essentials Checking
No monthly maintenance fee, early direct deposit, and free nationwide ATMs.
Open in ~5 minutes.
Modern banking, rooted in the Midwest.
From everyday checking to home loans and small-business services, First Midwest FCU helps you bank securely—anytime, anywhere.
Personal banking, simplified
Open in minutes. Manage from anywhere. Get real-human support when you need it.
High-Yield Savings
Grow your savings with a competitive APY and no minimum to earn.
FDIC insured up to applicable limits.
Small-Business Banking
Business checking, merchant services, and lines of credit—built for local owners.
See detailsFeatured rates
These are illustrative demo rates. Update them from your CMS or JSON feed when ready.
High-Yield Savings
4.25% APY
Rate as of . Subject to change.
12-mo CD
4.75% APY
Minimum $500. Early withdrawal penalties apply.
30-yr Fixed Mortgage
6.49% APR
For qualified borrowers. Terms and conditions apply.
Auto Loans
5.24% APR
New vehicles, up to 72 months, OAC.
Security you can trust
Bank with confidence—your security is our top priority.
Multi-factor authentication
Additional sign-in protection keeps your accounts safer from unauthorized access.
Real-time fraud monitoring
We watch for unusual activity and notify you fast if something looks off.
Card controls
Freeze/unfreeze your card, set travel notices, and manage alerts right from the app.
Ready to get started?
Open a checking or savings account in minutes. No monthly fees on Essentials Checking.