Savings Rates
Rates effective 3/01/2023
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| TERM | RATE | APY* |
|---|---|---|
New Savings and IRA Certificate Specials Are Here!Hurry in to take advantage of these great rates on short-term Share Certificates and IRA Certificates.
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| NEW 9-MONTH SPECIAL |
4.50% |
4.60% |
| NEW 13-MONTH SPECIAL |
4.70% |
4.81% |
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*APY=Annual Percentage Yield. Minimum opening deposit for Share Certificate Specials is $1,000 ($500 for minors) and minimum for IRA Certificate is $1,000. At the end of the term the 9-month and 13-month certificates will auto-renew to a 12-month term. Rates 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.
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| 1st Rewards Checking Rates Have Increased! | ||
| Reward earned on balances less than $15,000.01 when 1st Rewards requirements are met | 3.20% | 3.25% |
| Reward earned on balances $15,000.01 and greater when 1st Rewards requirements are met | 0.25% |
0.25% |
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Subject to account approval. Some restrictions apply. 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.
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| Other Share Certificate Rates Have Also Increased!** | ||
| 6 Months |
1.80% |
1.81% |
| 12 Months |
2.40% |
2.43% |
| 18 Months |
2.50% |
2.53% |
| 24 Months |
2.60% | 2.63% |
| 30 Months | 2.30% | 2.33% |
| 36 Months |
2.20% |
2.22% |
| 48 Months |
2.10% | 2.12% |
| 60 Months |
2.00% |
2.02% |
| Jumbo Share Certificates Are Now Higher*** $100,000 minimum | ||
| 12 Month Jumbo Certificate | 2.45% | 2.48% |
| 18 Month Jumbo Certificate | 2.55% | 2.58% |
| 24 Month Jumbo Certificate | 2.65% | 2.69% |
| 36 Month Jumbo Certificate | 2.25% | 2.28% |
| 48 Month Jumbo Certificate | 2.15% | 2.17% |
| 60 Month Jumbo Certificate | 2.05% | 2.07% |
| Other IRA Certificate Rates Have Also Increased** | ||
| Passbook | 1.80% | 1.81% |
| 12 Mo | 2.40% | 2.43% |
| 18 Mo | 2.50% | 2.53% |
| 24 Mo | 2.60% | 2.63% |
| 30 Mo | 2.30% | 2.33% |
| 36 Mo | 2.20% | 2.22% |
| 48 Mo | 2.10% | 2.12% |
| 60 Mo | 2.00% | 2.02% |
| Ultimate Savings** | ||
| <$1,000 | 0.15% | 0.15% |
| >$1,000 | 0.20% | 0.20% |
| Money Market Checking** Rates Have Increased! | ||
| Minimum <$1,000.00 | 0.20% | 0.20% |
| Minimum $1,000-$9,999.99 | 0.90% | 0.90% |
| Minimum $10,000-$24,999.99 | 1.10% | 1.11% |
| Minimum $25,000-$99,999.99 | 1.40% | 1.41% |
| Minimum $100,000+ | 1.80% | 1.81% |
| Regular Share Savings** | 0.15% | 0.15% |
| Christmas Club** | 0.15% | 0.15% |
*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.
**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.
***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.