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.
24/7 Online & Mobile Banking
No monthly fees on Essentials Checking
Fraud monitoring
Personal banking, simplified
Open in minutes. Manage from anywhere. Get real-human support when you need it.
Essentials Checking
Most popular
Everyday banking with zero surprises. No monthly maintenance fee, get paid up to two days early with direct deposit, and enjoy free nationwide ATM access. Open in about 5 minutes, manage everything in the app, and add your debit card to your digital wallet on day one.
NCUA insured up to $250,000 per depositor up to applicable limits.
View Checking Accounts
High-Yield Savings
Grow your savings with a competitive APY and no minimum to earn. Open in minutes, move money easily between accounts, and track progress toward your goals right from our app. Set up automatic transfers, name your buckets, and let your balance work harder—backed by local support when you need it.
NCUA insured up to $250,000 per depositor up to applicable limits.
View Savings Accounts
Small-Business Banking
Midwest Financial offers small-business banking built for local entrepreneurs: straightforward business checking, modern merchant services with next-day funding, and flexible lines of credit for inventory, payroll, and seasonal needs. Manage cash flow with ACH and wires, sync with your accounting software, and control employee cards in real time—all with local decisions and a dedicated banker.
View our Business Tools
Featured 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.