Savings Rates

SAVINGS RATES (RATES EFFECTIVE AS OF 12/03/2019)

*APY=Annual Percentage Yield 

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TERM RATE APY*
NEW!  1st Rewards Checking**
Reward earned on balances up to $15,000 when 1st Rewards requirements are met 2.75% 2.76%
Reward earned on balances over $15,000 when 1st Rewards requirements are met 0.40%
0.40%



Regular Share Certificates***
6 Months 1.00% 1.00%
12 Months
1.60%
1.61%
15 Months 1 NEW SPECIAL! 1.75% 1.77%
18 Months
1.70%
1.71%
24 Months
1.80% 1.82%
25 Months 2 NEW SPECIAL! 1.95% 1.97%
30 Months 1.90% 1.92%
36 Months
2.00%
2.02%
48 Months
2.10% 2.12%
60 Months
2.20%
2.22%



Jumbo Share Certificates****  $100,000 minimum
12 Month Jumbo Certificate 1.70% 1.71%
18 Month Jumbo Certificate 1.80% 1.82%
24 Month Jumbo Certificate 1.90% 1.92%
36 Month Jumbo Certificate 2.10% 2.12%
48 Month Jumbo Certificate 2.20% 2.22%
60 Month Jumbo Certificate 2.30% 2.33%



IRA Accounts***
Passbook 0.50% 0.50%
12 Mo 1.60% 1.61%
18 Mo 1.70% 1.71%
24 Mo 1.80% 1.82%
30 Mo 1.90% 1.92%
36 Mo 2.00% 2.02%
48 Mo 2.10% 2.12%
60 Mo 2.20% 2.22%



Ultimate Savings***
<$1,000 0.20% 0.20%
>$1,000 0.30% 0.30%



Money Market Checking***
Minimum $25.00-$1,000 0.20% 0.20%
Minimum $1,000-$9,999.99 0.50% 0.50%
Minimum $10,000-$24,999.99 0.70% 0.70%
Minimum $25,000-$99,999.99 0.80% 0.80%
Minimum $100,000+ 0.90% 0.90%



Regular Share Savings*** 0.20% 0.20%
Christmas Club*** 0.25% 0.25%




*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.

**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. 

***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.


1. 15-Month Special: Guaranteed rate for term of the certificate, minimum $1,000 to open, rate effective 10/01/2019 and subject to change. 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. 25-Month Special: Guaranteed rate for term of the certificate, minimum $1,000 to open, rate effective 10/01/2019 and subject to change. 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.

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