Share Certificates | WI and IL Savings Accounts

Lock in fixed-rate growth

Choose terms from 6-48 months

Save for the short-term or retirement

Your patience pays off when you invest in our Share Certificates

You have big ideas for the future, plans for your family and goals for your finances. How do you make all these ideas a reality? If you have some time, you could use First Community Credit Union Certificates to generate that money. Choose your saving timeline, lock in a solid rate, and then let your deposits earn more than they would in most traditional savings accounts. Check out our Share Certificate Calculator to calculate how much you can save.

For most of our Certificates, you can start with a $1,000 minimum deposit, or $2,000 if you're putting money into an Individual Retirement Account (IRA)
Open a Dream Seeker Share Certificate with only $25 and save over 12 months
Certificate options allow you to earn up to 4.25% APY*
Dividends may be compounded quarterly or transferred monthly to your FirstCCU savings or checking account

Why Share Certificates?

They're part of a well-rounded savings plan because your money is more accessible than an investment account, earns more than a savings account, and doesn't fluctuate with market conditions.

Savings tips for a successful financial future

Tap into advice for budgeting, saving and overall financial guidance.

Skip the daily coffee shop trip and make it at home.

Save at an accelerated rate. Calculate how much more you can save with a Share Certificate.

Enjoy financial flexibility at a faster growth rate with Share Certificates.

Making life a little easier

Accounts for everyone paired with efficient money management tools.

Checking Accounts

First Community Credit Union is a member-owned financial co-op serving nine full-service branch locations in Beloit, Janesville, and Monroe, Wisconsin and Freeport, Rockford, Belvidere, and Roscoe, Illinois.

FirstCCU has been here for over 90 years, we're still local and always member-owned.

*Annual Percentage Yield (APY). A penalty will be assessed for early withdrawals on Certificates. Fees imposed may reduce actual earnings. Dividend rates are subject to change and APY's are accurate as of September 3, 2024. New Money Only.

¹NCUA's basic federal coverage insures credit union members deposits up to $250,000. For details about federal deposit insurance, or how to structure your accounts to qualify for greater federal coverage, please check with your credit union or contact NCUA. Accounts exceeding the maximum level of coverage provided by NCUA are insured up to an additional $750,000 by ESI. Refer to our Account Disclosures Rate Supplement and Schedule of Fees and Charges for additional information. Federally Insured by the NCUA.