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 3.75% APY*
  • Dividends may be compounded quarterly or transferred monthly to your FirstCCU savings or checking account

Why Choose a Share Certificate?

Share certificates are a smart part of a well-rounded savings plan because they offer higher guaranteed returns than a regular savings account, more accessibility than an investment account, and stable earnings that don't fluctuate with stock market conditions. At First Community Credit Union, your deposit earns a fixed dividend rate for the full term — so you know exactly what you'll earn from day one.

Why Share Certificates?

Share certificates are a smart part of a well-rounded savings plan because they offer higher guaranteed returns than a regular savings account, more accessibility than an investment account, and stable earnings that don't fluctuate with stock market conditions. At First Community Credit Union, your deposit earns a fixed dividend rate for the full term — so you know exactly what you'll earn from day one.

First Community Credit Union is a member-owned financial co-op serving nine full-service branch locations in Beloit on Park Ave or Willowbrook Rd, Janesville, and Monroe, Wisconsin and Freeport, Rockford on Riverside Dr or State St., Belvidere, and Roscoe, Illinois.


*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 APYs are accurate as of April 30, 2026. New Money Only. Minimum balance to open and obtain the advertised APY: $1,000 ($2,000 for IRAs; $25 for Dream Seeker Share Certificate). Refer to our Truth In Savings Disclosure for full product requirements and terms.

1NCUA's basic federal coverage insures credit union member 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 Excess Share Insurance Corporation (ESI), a licensed insurance company.

Federally insured by the NCUA.