Savings/Certificates

Become A Member ALL SAVINGS RATES


CATCH THESE GREAT RATES!  Rates effective 8/14/2018

When it comes to growing your savings, keep your eye on the ball! Share Certificates allow you to earn a higher rate of return than a regular savings account. Short-term or a long-term, this high-yield option helps your money grow safely and securely. Click above to see all Savings Rates.

Regular Share Certificates from 0.90% to 2.74% APY* and Jumbo** Share Certificates from 1.71% to 2.84% APY

Special Certificates available for a limited time:

  • 15 Month Certificate Special 2.40% |2.43% Annual Percentage Yield 1
  • 25 Month Certificate Special 2.60% |2.63% Annual Percentage Yield 2
  • 65 Month Certificate Special 3.00% |3.04% Annual Percentage Yield 3  

*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. Membership eligibility required. Rates subject to change daily. Subject to minimum opening deposit requirements, minimum balances to receive the posted rate, early withdrawal penalties. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Regular Share Certificates have minimum opening deposit of $1,000 ($500 for minor). Balances below $1,000 for a Regular Share Certificate ($500 for a minor) may be subject to penalty and will reduce the stated APY.

**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.

Special Certificates:

1. Guaranteed rate for term of the certificate, minimum $1,000 to open. Offer not available for IRA Certificates. At the end of the term, the 15 month Share Certificate will auto-renew as a 12-month Share Certificate.

2. Guaranteed rate for term of the certificate, minimum $1,000 to open. Offer not available for IRA Certificates. At the end of the term, the 25 month Share Certificate will auto-renew as a 24-month Share Certificate.

3. Guaranteed rate for term of the certificate, minimum $1,000 to open. Offer not available for IRA Certificates. At the end of the term, the 65 month Share Certificate will auto-renew as a 60-month Share Certificate.


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. 
Teresa's testimonial

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.

  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 that teach kids about money
  • 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.