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Share Rates

First Community Credit Union Share Rates

Savings & Checking

Account* Dividend Rate APY** Minimum Balance to Earn APY
Regular & Special Savings 0.05% 0.05% $250
Youth Savings Account 0.50% 0.50% Balances up to $9,999.99
Holiday & Vacation Club 0.05% 0.05% $250
IRA Passbook 0.05% 0.05% $2,000 or greater
Security+ Checking*** 1.48% 1.50% Up to $2,500, see below for additional details
Piggy Bank Savings 1.48% 1.50% Only available for members with Security+ Checking
Business Checking 0.00% 0.00% $2,000

*Minimum balances may apply.
**Annual Percentage Yield. Accurate as of November 1, 2020.
***To qualify for APY must have at least 15 posted debit card transactions monthly.
Refer to Truth-in-Savings disclosure for additional information.


Money Market Accounts

Account* Dividend Rate APY** Minimum Balance to Earn APY

Premium Money Market

0.05% 0.05% Less than $10,000
0.07% 0.07% $10,000 - $24,999
0.125% 0.125% $25,000 - $49,999
0.175% 0.175% $50,000+

Advantage Money Market***

0.05% 0.05% Less than $10,000
0.10% 0.10% $10,000 - $49,999
0.15% 0.15% $50,000 - $99,999

0.20%

0.20%

$100,000 - $249,999

0.25%

0.25%

$250,000+

*Minimum balances may apply, refer to Truth-in-Savings disclosure for details.
**Annual Percentage Yield. Accurate as of November 1, 2020.
***To qualify for bolded APY's must have a checking account, direct deposit, and E-Statements if younger than 55.


Share Certificates & IRA's

Term*

Dividend Rate APY** Minimum Balance to Earn APY
6 months 0.05% 0.05% $1,000/$2,000 for IRA's
9 months 0.07% 0.07% $1,000/$2,000 for IRA's
12 months 0.10% 0.10% $1,000/$2,000 for IRA's 
18 months 0.15% 0.15% $1,000/$2,000 for IRA's 
24 months 0.20% 0.20% $1,000/$2,000 for IRA's
36 months 0.30% 0.30% $1,000/$2,000 for IRA's
48 months 0.35% 0.35% $1,000/$2,000 for IRA's
25 months
Bump Rate with ADD
on Feature***
0.35% 0.35% $1,000

*Minimum balances may apply, refer to Truth-in-Savings disclosure for details.
**Annual Percentage Yield. Accurate as of November 1, 2020.
A penalty will be assessed for early withdrawals on certificates. Fees imposed may reduce actual earnings.
*** To qualify for APY, must have at least 15 debit card transactions per month.  Please refer to our Truth-in-Savings Disclosure for additional information.
**** Member can change the rate of the Share Certificate at anytime during the original 25 month term to the non-promotional 24 month Share Certificate rate at the time of the bump request.  Member can also add funds to the Share Certificate at anytime without penalty.
Federally Insured by the National Credit Union Administration (NCUA) to at least $250,000.  


How to Open a Share Account (Current Members)

Checking, Certificates, or Money Market Accounts

  1. Login to Home Banking
  2. Select "Services" tab
  3. Click "Continue" for Open a Deposit Account

Savings and IRA Accounts


Opening a Share Account (New Members)

Open Account Online