# 1st MidAmerica Credit Union CD and share certificate rates

As of October 22, 2026, 1st MidAmerica Credit Union's highest tracked CD (share certificate) rate is 4.58% APY on a 35-month promotional CD ($1,000 minimum). That is 3.3 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 0.60% to 1.51% APY.

Canonical page: https://apyledger.com/cd-rates/1st-midamerica-credit-union
Institution: 1st Midamerica Credit Union (NCUA 63932)
Aliases: 
Status: live
Last verified: 2026-10-23T02:09:20.000Z (October 22, 2026)
Official source: https://www.1stmidamerica.org/accounts/resources/savings-rates
Coverage: Membership required. Certificate specials (7 to 59 months) and standard certificates with a $1,000 minimum, plus the 12-month Youth Velocity certificate ($300). Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6 Month Share Certificate | standard | 6 months | $1,000 | 0.60% | Not ZIP-priced | −3.80% | 2026-10-23T02:09:20.000Z | [Snapshot 827](https://apyledger.com/snapshots/827) |
| 7 Month Special Share Certificate | promotional | 7 months | $1,000 | 4.00% | Not ZIP-priced | −0.43% | 2026-10-23T02:09:20.000Z | [Snapshot 827](https://apyledger.com/snapshots/827) |
| 12 Month Youth Velocity Share Certificate | special | 12 months | $300 | 0.95% | Not ZIP-priced | −3.62% | 2026-10-23T02:09:20.000Z | [Snapshot 827](https://apyledger.com/snapshots/827) |
| 12 Month Share Certificate | standard | 12 months | $1,000 | 0.70% | Not ZIP-priced | −3.87% | 2026-10-23T02:09:20.000Z | [Snapshot 827](https://apyledger.com/snapshots/827) |
| 13 Month Special Share Certificate | promotional | 13 months | $1,000 | 4.32% | Not ZIP-priced | −0.28% | 2026-10-23T02:09:20.000Z | [Snapshot 827](https://apyledger.com/snapshots/827) |
| 18 Month Share Certificate | standard | 18 months | $1,000 | 0.75% | Not ZIP-priced | −3.97% | 2026-10-23T02:09:20.000Z | [Snapshot 827](https://apyledger.com/snapshots/827) |
| 21 Month Special Share Certificate | promotional | 21 months | $1,000 | 3.55% | Not ZIP-priced | −1.24% | 2026-10-23T02:09:20.000Z | [Snapshot 827](https://apyledger.com/snapshots/827) |
| 24 Month Share Certificate | standard | 24 months | $1,000 | 0.80% | Not ZIP-priced | −4.07% | 2026-10-23T02:09:20.000Z | [Snapshot 827](https://apyledger.com/snapshots/827) |
| 35 Month Special Share Certificate | promotional | 35 months | $1,000 | 4.58% | Not ZIP-priced | −0.36% | 2026-10-23T02:09:20.000Z | [Snapshot 827](https://apyledger.com/snapshots/827) |
| 36 Month Share Certificate | standard | 36 months | $1,000 | 0.85% | Not ZIP-priced | −4.10% | 2026-10-23T02:09:20.000Z | [Snapshot 827](https://apyledger.com/snapshots/827) |
| 48 Month Share Certificate | standard | 48 months | $1,000 | 0.90% | Not ZIP-priced | −4.08% | 2026-10-23T02:09:20.000Z | [Snapshot 827](https://apyledger.com/snapshots/827) |
| 59 Month Special Share Certificate | promotional | 59 months | $1,000 | 3.55% | Not ZIP-priced | −1.46% | 2026-10-23T02:09:20.000Z | [Snapshot 827](https://apyledger.com/snapshots/827) |
| 60 Month Share Certificate | standard | 60 months | $1,000 | 1.51% | Not ZIP-priced | −3.50% | 2026-10-23T02:09:20.000Z | [Snapshot 827](https://apyledger.com/snapshots/827) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.