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.
Membership perks that matter
Membership is open to anyone who lives, works, worships, or studies in our nine-county Midwest community.
Banking built for members
A $5 share in savings opens the door to the full suite of First Midwest FCU products and services.
- Free Essentials Checking with early deposit
- High-yield savings & CDs
- Transparent local lending decisions
Digital banking
Manage your finances from any device with a modern app experience designed around how you actually live.
- Real-time alerts & card controls
- Mobile deposit with instant status
- Secure messaging with Midwest specialists
Community first
Every account gives back to local classrooms, small businesses, and nonprofits through micro-grants.
- Quarterly donation voting for members
- Financial education events regionwide
- Scholarship program for seniors
What your first week looks like
From application to fully set up — here's what to expect when you join First Midwest FCU.
Open your membership share
Complete the online application in about six minutes, fund your $5 share deposit, and select your first accounts. Instant decision in most cases.
Enroll in digital banking
Download the mobile app, set up biometric login, and customize alerts for balances, deposits, or large transactions.
Switch your direct deposit
Use our employer switch kit to move payroll automatically. Review your budgeting widgets before payday hits.
Explore bonus tools
Turn on round-up savings, link external accounts for a full financial view, and schedule a welcome call with a financial coach.
A credit union built on trust
Unlike banks, we don't answer to shareholders. Every profit goes back to members in the form of better rates, lower fees, and services that put people first.
- Member-owned & member-governed — You have a vote. Your voice shapes how we operate.
- Local lending decisions — Your loan is reviewed by a neighbor, not a distant algorithm.
- Financial education for all ages — From Junior Launch Savings for kids to retirement planning for parents.
Need a hand while you explore?
Three ways to get the help or information you need, on your timeline.
Talk with membership services
Schedule a 20-minute welcome call to review options tailored to your goals and questions.
Schedule a callDownload the starter kit
Grab a checklist of documents and easy steps to make onboarding quick and painless.
Start your applicationVisit a local branch
Meet face-to-face with a specialist and pick up educational materials for your whole household.
Find a branch