Savings/CDs

PRIMARY SHARE ACCOUNT

A Primary Share Savings account is your personal part of 1st Community Credit Union. Maintaining $25 in your Savings account makes you a member and allows you to take advantage of other 1st CCU products and services. 
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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).

SHARE CERTIFICATES

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 $5.00 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.


VIEW CURRENT RATES CONTACT US BECOME A MEMBER


NEXT GENERATION YOUTH ACCOUNTS

1st Community Credit Union offers Youth Accounts to point out the rewards of saving, while introducing the basics of the financial world to the Next Generation in a fun way.
  • Open with as little as $5.00
  • Punch card to track qualifying deposits
  • Redeem punched cards for prizes
  • Games and Resources that teach kids about money



HEY KIDS! WE WANT YOU TO GIVE A HOOT ABOUT SAVING!

April is National Credit Union Youth Month and 1st Community Credit Union (1st CCU) is helping our Next Generation remember the importance of learning good saving habits! When you deposit at least $5 into your 1st CCU savings account during the month of April you will receive Triple Punches on your card. Full cards may be redeemed for a book.*

Youth Month Contest:

Show us how you (or your family) like to save money by drawing a picture! The submitted pictures will be posted to our social media pages and if your picture gets the most "likes" in your age category you will win a new bike. (1 winner per age group. Age groups are 3-5 years old, 6-9 years old, and 10-13 years old)

Here's what you do:

  1. On an 8 ½ x 11 sheet of paper draw a picture of your favorite way to save money, or you can draw a picture of your family’s favorite way to save money.
  2. On the back of the paper, write your full name, age, address, and phone number.
  3. Return your picture to 1st CCU by 12:00 pm on April 14th, 2017. You can do this by having your parents:
  • Mail your picture to 1st Community Credit Union, PO Box 167, Sparta, WI 54656 ATTN: Marketing
  • Email your picture to Marketing@1stccu.com
  • Drop your picture off at one of our offices - Sparta or West Salem

All pictures will be uploaded to 1st CCU’s Facebook page, along with your (the child’s) first name and age. 1st CCU Facebook followers will vote on their favorite picture by simply “liking” the photo. The pictures that receive the most “likes” by April 28th at 4:00 pm in their respective age categories will receive a bike. Encourage your mom, dad, sister, brother, friend, grandparent, etc. to like and even share your photo!


*Limit 1 book per child per week in April when redeeming punch cards.

Contest details: Contest is open to youths ages 3-13. Three winners total. The drawing that receives the most "likes" in each age category will win a bike. Age categories are: 3-5 years old, 6-9 years old, and 10-13 years old. (Child's age on April 14, 2017). To enter the contest the youth must be a current member of 1st CCU. No purchase necessary. By submitting your child's drawing you agree that 1st CCU can post the child's drawing, first name, and age on 1st CCU social media pages. All entries are due by April 14, 2017 at 12:00 PM (mailed entries must be postmarked no later than April 14th). Any entry received after Noon on April 14th, or submitted by a child who does not have an account at 1st CCU, will not be eligible. Contest will end at 4:00 pm on April 28th and winners will be announced no later than May 1st. Names of the winners will be posted on 1st CCU social media pages. Bikes awarded shall not exceed $125 in value and cannot be substituted for cash or other prizes. Winners will select size and gender of the prize, styles may vary and are not guaranteed. Employees of 1st CCU and their immediate family members are not eligible. 1st CCU reserves the right to amend this contest at any time.

Federally insured by NCUA.


Are your kids on the right track to financial independence?  

For many of today's young adults, the weakest link lies in learning the basics. Only 35% of teens know how to balance a checking account or manage credit cards. During the past several years, a decline in overall financial knowledge is especially pronounced among 18-year-olds, and 13% fewer teens have bank accounts.*
Achieving economic prosperity is difficult, and it's especially hard for young people who've never learned how to manage money. 

Your credit union is ideally positioned to respond because we believe in the power of education. We're here to help you launch the youth in your life toward financial independence, and here’s how:
  • 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.