We've Raised Rates On Share Certificates And IRA's!
Rates shown are effective as of January 22, 2019. 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. Some accounts have minimum opening deposit requirements.
Many Americans spend more than they save, and nearly one in five people are saving less than 5 percent of their income (according to a 2015 Bankrate survey). What makes saving so important? It allows you peace of mind that you are prepared for any type of expense, including unexpected emergencies, repairs, and opportunities. Setting goals for saving can vary from small emergency funds to saving for large purchases to long-term savings for retirement.
Saving money doesn't always have to be hard work. Effortlessly increase your funds by depositing money in a savings account from each paycheck or monetary gift you receive. You can also transfer funds to your savings account via Online Banking, Mobile Banking, or Telephone Banking...OR you can set up a direct deposit or automatic transfer of funds directly to your savings account for even more convenience. Set up recurring transfers within Online Banking by selecting Transfers/New and using the drop down field to select the transfer frequency (weekly, bi-weekly, semi-monthly, monthly) or speak with a Member Service Representative for assistance.
Are you saving for something special? You can open a secondary savings account to keep those funds separate from other savings balances. Naming the secondary account (Vacation Fund, Wedding Money, etc) will also be a constant reminder that you are working toward achieving a savings goal. You can open your own secondary savings account within Online Banking in the Services tab/Open Sub Account option. Renaming your account with a pseudo name can be done in Online Banking in the Settings/Account menu.
PRIMARY SHARE ACCOUNT
A Primary Share Savings account is your personal part of 1st Community Credit Union. Maintaining $5.00 in your Savings account makes you a member and allows you to take advantage of other 1st CCU products and services.
ULTIMATE SAVINGS ACCOUNT
With a minimum opening deposit of $1000, you’ll earn a higher dividend rate and there are no fees. If your balance falls below the $1000 minimum a reduced dividend will apply.
MONEY MARKET SHARE DRAFT ACCOUNT
With a minimum opening deposit of $1000, you’ll earn a higher dividend rate and have the ability to write checks. Access to your funds is easy – unlimited transactions in person, or you may clear up to 3 checks per month from this account. (Service charges apply for more than 3 checks per month).
Certificates are available in a variety of terms and rates. When you purchase a certificate, your rate is guaranteed for the term you select, with penalties for early withdrawal.
Subject to minimum opening deposit requirements. Contact 1st CCU for details.
NON-INTEREST BEARING SHARE ACCOUNT
This account is designed for nonprofit organizations. This account allows you complete access and insured safety without earning dividends.
CHRISTMAS CLUB ACCOUNT
Open with as little as $25.00 and save throughout the year. The balance of your account is available for withdrawal on November 1, just in time for the season's shopping.
CONTACT US BECOME A MEMBER
The Centsables Savings Program For Kids
1st Community Credit Union is proud to offer The Centsables Savings Program, a savings account and educational resources exclusively for kids!
Who Are The Centsables?
This team of financial superheroes are on a mission to teach children all about money - in a fun way! The animated videos, interactive website, and fun activities will help your child learn the value of money, positive money management habits, and the importance of saving. This award-winning is endorsed by the Jump$tart Coalition for Personal Financial Literacy.
- cents1.0 for children 12 and under
- cents2.0 for teens
- cents3.0 for millennials
Click on the image at right and select cents 1.0 and your child will have fun while learning valuable money skills:
- Play educational games
- Watch the Centsables animated video series
- Read Centsables comics and books
- Play fun games
- And more!
How Does The Centsable Savings Program Work?
- Open a Centsables Youth Savings Account with as little as $5.00*
- Your child receives a Welcome Packet with their new Centsables Savings Account
- Each Centsables account holder receives a punch card to track qualifying deposits
- Redeem punched cards for cool Centsables gifts
- Kids get a free Centsables sticker when they deposit to their account
- Fun events and more!
*Because your child is a minor, a parent or guardian will also need to be on the account. Bring a social security card or birth certificate for the child and a valid drivers license for yourself. Federally insured by NCUA.
Why Open A Youth Savings Account?
Every child dreams about their future, and some of those dreams may require money to come true. As a parent, you want your children to achieve their dreams. Children as young as five may have already formed distinct emotional reactions about spending and saving money. Parents can help by teaching and encouraging kids to develop good financial habits. Start by setting small goals with your child. Saving money can become a regular habit and the sense of accomplishment when achieving a goal can boost your child's self-esteem.
Achieving economic prosperity is difficult, and it's especially hard for young people who've never learned how to manage money.
- Join. For starters, open a credit union savings account for each child in your family. As soon as your children can write, have them fill out deposit and withdrawal slips. Guide teenagers through using a debit card and tracking transactions.
- Share. Include your children in household money discussions. Show them how you budget income and expenses. As their skills improve, give them challenges—such as finding a better cell phone plan, calculating the total monthly cost of owning a car, or sticking to a budget for back-to-school or holiday spending.
- Coach. Remind your children to ask for help when they need it. And turn to your credit union when you want help. Our tradition of service and philosophy of self-help make 1st Community Credit Union and all credit unions a natural partner in pursuing financial security.
Children's Online Privacy Protection Act (COPPA) Disclaimer
1st Community Credit Union does not knowingly collect, maintain or use personal information from our website about children under age 13. If a child whom we know to be under age 13 sends personal information to us online, we will only use that information to respond directly to that child, notify parents, or seek parental consent.