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Deposit Rates

Deposit Rates

Specials! Certificates and IRAs
Effective Date: Saturday, May 18th, 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: Saturday, May 18th, 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: Saturday, May 18th, 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: Saturday, May 18th, 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: Saturday, May 18th, 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: Saturday, May 18th, 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: Saturday, May 18th, 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.

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