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Share Rates

First Community Credit Union Share Rates

Share Certificates & IRA's 

Term*

Dividend Rate APY** Minimum Balance to Earn APY
6 months 0.55% 0.55% $1,000/$2,000 for IRA's
9 months 0.65% 0.65% $1,000/$2,000 for IRA's
12 months 0.75% 0.75% $1,000/$2,000 for IRA's 
18 months 0.80% 0.80% $1,000/$2,000 for IRA's 
24 months 0.85% 0.85% $1,000/$2,000 for IRA's
36 months 0.95% 0.95% $1,000/$2,000 for IRA's
48 months 1.05% 1.05% $1,000/$2,000 for IRA's
9 months- up to $49,999.99 4.27% 4.35% $1,000/$2,000 for IRA's New Money Only
9 months- $50,000+ 4.51% 4.60% $1,000/$2,000 for IRA's New Money Only
15 months- up to $49,999.99 4.17% 4.25% $1,000/$2,000 for IRA's New Money Only
15 months- $50,000+ 4.41% 4.50% $1,000/$2,000 for IRA's New Money Only

*Minimum balances may apply, refer to Truth-in-Savings disclosure for details. New Money Only.
**Annual Percentage Yield. Accurate as of February 1, 2024
A penalty will be assessed for early withdrawals on certificates. Fees imposed may reduce actual earnings.

Federally Insured by the National Credit Union Administration (NCUA) to at least $250,000.  

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*** 1.49% 1.50% Up to $2,500, see below for additional details
Piggy Bank Savings 1.49% 1.50% Only available for members with Security+ Checking
Prosper Plus Business Checking 1.00% 1.00% $2,500
Business Share Savings 0.05% 0.05% $250

*Minimum balances may apply.
**Annual Percentage Yield. Accurate as of December 15, 2022.
***To qualify for APY must have at least 20 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

0.22% 0.22% Less than $10,000
0.27% 0.27% $10,000 - $24,999
0.32% 0.32% $25,000 - $49,999
0.37% 0.37% $50,000+

Advantage Money Market

0.32% 0.32% Less than $10,000
0.37% 0.37% $10,000 - $49,999
0.47% 0.47% $50,000 - $99,999

0.52%

0.52%

$100,000 - $249,999

0.57%

0.57%

$250,000+

Prosper Money Market 1.19% 1.20% $1,000-$24,999.99
1.98% 2.00% $25,000.00 - $49,999.99
2.47% 2.50% $50,000.00 - $99,999.99 
3.20% 3.25% $100,000.00 - $249,999.99
3.68% 3.75% $250,000.00 - $999,999.99
4.17% 4.25% $1,000,000.00 & Greater

*Minimum balances may apply, refer to Truth-in-Savings disclosure for details.
**Annual Percentage Yield. Accurate as of March 1, 2024.