Discover First Midwest

Everything you need to know before joining

See how a First Midwest FCU membership works, what to expect from day one, and the digital tools that keep you connected wherever you bank.

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Membership perks

Membership is open to those who live, work, worship, or study in our nine-county Midwest community. A $5 share in savings opens the door to:

  • Free Essentials Checking with early direct deposit
  • High-yield savings and CDs with competitive dividends
  • Transparent lending decisions made by local teams

Digital banking

Manage finances from any device with our modern app experience.

  • Real-time transaction alerts and card controls
  • Mobile deposit with immediate status updates
  • Secure messaging with a Midwest support specialist

Community first

Every account gives back to local classrooms, small businesses, and nonprofits through micro-grants and volunteer hours.

  • Quarterly donation voting open to members
  • Financial education events hosted throughout the region
  • Scholarship program for graduating seniors

What the first week looks like

1
Day 1 — Open your membership share

Complete the online application in about six minutes, fund your $5 share, and select your first accounts.

2
Day 2 — Enroll in digital banking

Download the mobile app, set up biometrics, and customize alerts for balances, deposits, or large transactions.

3
Day 5 — Switch your direct deposit

Use our employer switch kit to move payroll automatically and review your budgeting widgets before payday hits.

4
Day 7 — Explore bonus tools

Turn on round-up savings, link external accounts for a holistic view, and schedule a meeting with a financial coach.

Need a hand while you explore?

Talk with membership services

Schedule a 20-minute welcome call to review options tailored to your goals.

Schedule a call

Download the starter kit

Grab a checklist of documents and easy steps to make onboarding quick.

Start your application

Visit a local branch

Meet face-to-face with a specialist and pick up educational materials for your household.

Find a branch