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Deposit and Loan Rates

Deposit Rates

Specials! Certificates and IRAs
Effective Date: Friday, April 19th, 2024
Hurry in to take advantage of these great rates on Share and IRA Certificates.
TermRateAPY*
 NEW! 11-month Certificate Special1 (Share or IRA Certificate) 5.05% 5.18%
NEW! 37-Month Certificate Special2 (Share or IRA Certificate) 4.15% 4.24%
NEW! 61-Month Certificate Special3 (Share or IRA Certificate) 4.00% 4.08%

At maturity, the 11-month Certificate will auto-renew to a 12-month term at the rate in effect at the time of renewal.

At maturity, the 37-month Certificate will auto-renew to a 36-month term at the rate in effect at the time of renewal.

At maturity, the 61-month Certificate will auto-renew to a 60-month term at the rate in effect at the time of renewal.

*APY=Annual Percentage Yield. Minimum opening deposit for Share Certificate Special is $1,000 ($500 for minors) and minimum for IRA Certificate Special is $1,000. Limited time offer; Rates are subject to change at any time. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A withdrawal will reduce earnings. Penalty may be imposed for withdrawals before maturity. Contact 1st Community Credit Union for qualifications, restrictions, funds availability, terms and conditions. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.

1st Rewards Checking4
Effective Date: Friday, April 19th, 2024
TermRateAPY*
Reward earned on balances less than $15,000.01 when 1st Rewards requirements are met 3.25% 3.30%
Reward earned on balances $15,000.01 and greater when 1st Rewards requirements are met 0.25% 0.25%

*APY=Annual Percentage Yield

41st Rewards Checking is subject to account approval. Some restrictions apply. Rates shown are the most current published rates and could change at any time without warning. To qualify for the 1st Rewards dividend rates shown, as well as up to $20.00 in ATM refunds per qualification cycle, you must meet three account requirements: (1) Post at least 15 debit card purchases to your 1st Rewards Checking account monthly; (2) Receive eStatements monthly; (3) Receive at least one direct/ACH deposit posted to your account monthly. When your 1st Rewards Checking qualifications have not been met the dividend paid on the entire balance will be 0.05% APY and you will not receive ATM surcharge refunds. Debit Purchase transactions must post to and settle on your 1st Rewards Checking account during the calendar month in order to receive the Rewards. We post purchases to your account when we receive them from the merchant, and that may occur one or more days after the purchase date. Purchases that have been initiated but not posted as of the end of the cycle will not count as a qualifying transaction for that cycle (but will count in the following cycle when they post). Limit of one 1st Rewards Checking Account per member account. Business checking accounts do not qualify. If you close your 1st Rewards Checking account before the end of the calendar month (statement cycle) you will forfeit any ATM fee refunds. Limit of up to $20.00 in ATM refunds per qualification cycle. Statement and Dividend cycles are monthly. Fees may reduce earnings. Federally insured by NCUA.

Youth and Teen Certificates
Effective Date: Friday, April 19th, 2024
TermRateAPY*

60-MONTH YOUTH CERTIFICATE SPECIAL5

FOR AGES 0-12 YEARS OLD

4.50% 4.60%

36-MONTH TEEN CERTIFICATE SPECIAL5

FOR AGES 13-15 YEARS OLD

5.00% 5.13%

*APY=Annual Percentage Yield.

5 Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. For the 36-month certificate, a penalty of 1095 days' worth of interest will be assessed for early withdrawal. For the 60-month certificate, a penalty of 1825 days' worth of interest will be assessed for early withdrawal. Dividends paid quarterly, back into the certificate. At maturity the funds automatically transfer into the child's savings account. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. One Youth or Teen Certificate per 1st CCU member. Cannot be opened as an UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.

Share Certificate Rates6
Effective Date: Friday, April 19th, 2024
TermRateAPY*
6 Months 2.10% 2.12%
NEW!  11-Month Special 5.05% 5.18%
12 Months 4.60% 4.71%
18 Months 4.00% 4.08%
24 Months 3.80% 3.87%
30 Months 3.60% 3.67%
36 Months 3.30% 3.35%
NEW! 37-Month Special 4.15% 4.24%
48 Months 3.00% 3.05%
60 Months 2.90% 2.94%
NEW! 61-Month Special 4.00% 4.08%

IRA Certificate Rates6
Effective Date: Friday, April 19th, 2024
TermRateAPY*
Passbook 2.00% 2.02%
NEW! 11-Month Special 5.05% 5.18%
12 Mo 4.60% 4.71%
18 Mo 4.00% 4.08%
24 Mo 3.80% 3.87%
30 Mo 3.60% 3.67%
36 Mo 3.30% 3.35%
NEW! 37-Month Special 4.15% 4.24%
48 Mo 3.00% 3.05%
60 Mo 2.90% 2.94%
NEW! 61-Month Special 4.00% 4.08%

Other Deposit Account Rates6
Effective Date: Friday, April 19th, 2024
TermRateAPY*
Money Market <$1,000.00 0.20% 0.20%
Money Market $1,000-$9,999.99 1.20% 1.21%
Money Market $10,000-$24,999.99 1.40% 1.41%
Money Market $25,000-$99,999.99 1.70% 1.71%
Money Market $100,000+ 2.20% 2.22%
Ultimate Savings, <$1,000 0.15% 0.15%
Ultimate Savings, >$1,000 0.20% 0.20%
Regular Share Savings 0.15% 0.15%
Christmas Club 0.15% 0.15%

Jumbo Share Certificates7 ($100,000 minimum)
Effective Date: Friday, April 19th, 2024
TermRateAPY*
12 Month Jumbo Certificate 4.65% 4.76%
18 Month Jumbo Certificate 4.05% 4.13%
24 Month Jumbo Certificate 3.85% 3.92%
36 Month Jumbo Certificate 3.25% 3.30%
48 Month Jumbo Certificate 3.05% 3.10%
60 Month Jumbo Certificate 2.95% 2.99%

*APY=Annual Percentage Yield. The Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. A penalty may be imposed for withdrawals before maturity. Rates subject to change daily. Rates shown for Passbook IRA Accounts and Share Deposit Accounts are the last declared rates and should not be construed as current offerings.

6 Some accounts have minimum opening deposit requirements, minimum balances to receive the posted rate, or early withdrawal penalties. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Minimum opening deposit for Regular Share Certificate is $1,000 ($500 for minors). Balances below $1,000 for a Share Certificate ($500 for a minor) may be subject to penalty and will reduce the stated APY.  The 11-month Certificate Special will auto-renew as a 12-month term, the 37-month Certificate Special will auto-renew as a 36-month term, and the 61-month Certificate Special will auto-renew as a 60-month term.

7 Jumbo Share Certificates require minimum opening deposit of $100,000. Balances below $100,000 for a Jumbo Share Certificate may be subject to penalty and will reduce the stated APY. FEDERALLY INSURED BY NCUA. MEMBERSHIP ELIGIBILITY REQUIRED.

 

1st CCU Vehicle Rates

Smiles for miles...you're always on the move, so we've made our loans fast, easy, and affordable. 

NEW! Now we've made our loan applications even faster and easier, and you can also quickly apply when you're logged into your account in 1st CCU Anywhere Mobile or Online Banking. A loan application you can complete quickly? We do that! Check out our new online application by clicking Apply Online below.

You can even skip the trip to the credit union by opting to e-Sign your loan documents from the comfort of your home. We also offer 100% financing to qualified borrowers. Contact 1st CCU for full details or apply today to get pre-approved!

Apply Online   Become a Member   Request More Info

 

Vehicle Rates

Auto Loans As Low As*
Effective Date: Friday, April 19th, 2024
Loan Type24 Mo APR36 Mo APR48 Mo APR60 Mo APR72 Mo APR**84 Mo APR**
New
2024 (new) - 2025
(<15,000 miles)
 
7.00% 7.15% 7.30% 7.45% 7.75% 8.00%
Used Vehicle
2020-2024
 
7.25% 7.40% 7.55% 7.70% 8.00% ---
Used Vehicle
2014-2019
 
8.00% 8.15% 8.30% 8.45% --- ---
Older Vehicles
 
9.90% 10.15% 10.65% 11.40% --- ---
Older vehicle loans not eligible for discounts; minimum loan amount $1,000
*Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. 

**Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications.

Recreational Loans As Low As*:
Effective Date: Friday, April 19th, 2024
Loan Type24 Mo APR36 Mo APR48 Mo APR60 Mo APR72 Mo APR**84 Mo APR**120 Mo APR**
UTV's, ATV's, Boats, Campers (Motor Homes, Travel Trailers, 5th Wheels), Snowmobiles, Personal Watercraft, and more:
2020-2025
 
8.00% 8.15% 8.30% 8.45% 8.75% 9.00% 10.00%
Used
2014-2019
 
8.50% 8.65% 8.80% 8.95% 9.25% - - - - - -
Older Recreational
 
9.90% 10.15% 10.65% 11.40% - - - - - - - - -
*Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. 

**Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications.

1st CCU Real Estate and Other Rates

Your dream home deserves a home loan you can live with, and our mortgage experts work hard to make the experience happy and stress-free.  We offer a variety of home loans to fit your needs, some with no down payment requirements!  Whether you want to buy, build, remodel, or refinance, we're ready when you are!    

Mortgage rates can change daily, and many factors are considered in determining the interest rate on different types of mortgage loans, so please contact 1st Community Credit Union for the current rates on Home Loans.  Our lending experts are available to assist you with information about our mortgage options, free pre-qualification, and answers to your questions.

Apply For Real Estate Loan   Become a Member   Request More Info    Meet Our Lenders

 

Real Estate Rates

1st Mortgage Real Estate
Loan TypeRate
1st Mortgage 30-Year Fixed Contact 1st CCU for Current Rates and Terms
1st Mortgage Purchase Contact 1st CCU for Current Rates and Terms
1st Mortgage - Raw Land Contact 1st CCU for Current Rates and Terms
DID YOU KNOW: If you've been paying rent of $800/month for at least 3 years, you've already paid out over $28,000 to your landlord. Buying a home of your own could be easier than you think! Our Mortgage Loan Experts are available to answer your home loan questions and pre-qualify you with a free, no-obligation financial review to help you determine how much home you can afford.

2nd Mortgage Real Estate
Loan TypeRate
2nd Mortgage Contact 1st CCU for Current Rates and Terms

Other Real Estate Rates
Loan TypeRate
Construction Loan Contact 1st CCU for Current Rates and Terms
Home Equity Line of Credit (HELOC) Contact 1st CCU for Current Rates and Terms

Commercial/Agriculture Real Estate
Loan TypeRate
Commercial RE - 1st Mortgage Contact 1st CCU for Current Rates and Terms
Commercial RE - 2nd Mortgage Contact 1st CCU for Current Rates and Terms
Agricultural RE - 1st Mortgage Contact 1st CCU for Current Rates and Terms
Agricultural RE - 2nd Mortgage Contact 1st CCU for Current Rates and Terms
Rental Property Contact 1st CCU for Current Rates and Terms

Other Rates

Unsecured Personal Loans As Low As*
Effective Date: Friday, April 19th, 2024
Loan Type24 Mo APR36 Mo APR48 Mo APR60 Mo APR
Signature Loans ($1,000 minimum)  9.90% 10.15% 10.65% 11.40%
Apply For Personal Loan
*Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. 

Secured Loans As Low As*
Effective Date: Friday, April 19th, 2024
TypeTermAPR
Certificate Secured Loans  Contact 1st CCU for details 3.50% over Cert. Rate
Apply Now
*Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by term, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. 

Credit Cards
Effective Date: Friday, April 19th, 2024
TypeTermAPR
Visa Credit Card* Contact 1st CCU for details 9.40%
Apply For Credit Card
*All loans are subject to credit approval. Some restrictions may apply. Contact 1st CCU for full details. Rates subject to change at any time without warning. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU.  

Single-Wide & Double-Wide Manufactured Home Loans*
Effective Date: Friday, April 19th, 2024
YearTermAPR
New 2024 - 2025 From 24-60 Mo From 11.00% - 14.45%
Used 1-5 Years From 24-60 Mo From 11.25% - 14.70%
Used 6-10 Years From 24-60 Mo From 12.00% - 15.45%
Used 11+ Years From 24-60 Mo From 13.00% - 16.45%
Apply for Mobile Home Loan
*Rates posted here are the lowest available to qualified borrowers. Your rate may be higher. New Single-Wide and Double-Wide mobile homes amortized up to 240 months. Used Single-Wide and Double-Wide mobile homes amortized up to 180 months. Terms may include a 2-5 year balloon. Requires 20% down payment. Amortization, terms, rates, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral condition. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. NMLS 411004.

Commercial/Agricultural Loans As Low As*
Effective Date: Friday, April 19th, 2024
Loan TypeRate

Commercial & Ag

Vehicles/Equipment - NEW

Loans $50,000+  =  As low as 7.00% APR
Loans under $50,000  =  As low as 7.50% APR
Commercial & Ag
Vehicles/Equipment - USED
Loans $50,000+ = As low as 7.75% APR
Loans under $50,000 = As low as 8.25% APR
Commercial/Ag Unsecured Contact 1st CCU for current rates
Line Of Credit - Equipment As low as 9.50% APR
Line Of Credit - Unsecured As low as 13.75% APR
Commercial/Ag Real Estate Contact 1st CCU for current rates
*Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, term, amount financed, and your credit history. Rates are subject to change at any time. 20% down payment is required for secured Commercial and Ag Loans. You may be asked to provide 2 years of Tax Returns and a Year-To-Date Income Statement. All loans are subject to credit approval. Restrictions may apply. Contact 1st CCU for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. NMLS 411004.

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