Credit union · NCUA insured
1st Community Credit Union CD Rates
Top Carrot1st Community Credit Union’s best CD rate is 4.00% APY on a 10-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How 1st Community Credit Union’s CD rates compare
Compared with banks and credit unions near Sparta, WI, where 1st Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
1st Community Credit Union
4.00%APY
- Term
- 10 months
- Minimum
- $1,000
- Earns on $10,000
- $332
10-Month Anniversary CD Special
Top rate
River Bank
4.30%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $430
2nd-highest rate
Bank of Cashton
4.30%APY
- Term
- 60 months
- Minimum
- $5,000
- Earns on $10,000
- $2,343
1st Community Credit Union CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo2.79%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.20%
- 31–60 months31–60 mo3.20%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 1st Community Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Share Certificate
Up to 3.77%APY · 6 terms
Requires minimum opening deposit of $100,000. Balances below $100,000 may be subject to penalty and will reduce the stated APY. Early withdrawal penalty may apply. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum opening deposit $100,000 | 3.77% | — |
| 18 monthsMinimum opening deposit $100,000 | 3.25% | — |
| 24 monthsMinimum opening deposit $100,000 | 3.15% | — |
| 36 monthsMinimum opening deposit $100,000 | 3.25% | — |
| 48 monthsMinimum opening deposit $100,000 | 3.25% | — |
| 60 monthsMinimum opening deposit $100,000 | 3.25% | — |
Sources (1)
- 1stccu.com/deposit-and-loan-rates · captured Oct 5, 2026
Special-purpose accounts
36-Month Teen Certificate Special
5.13%APY · 1 term
For ages 13-15 years old. Minimum deposit $500, maximum $10,000. Teen members may have one Teen Certificate and one of each Youth Certificate type. Cannot be opened as UTMA account. Certificate must be in minor's name. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsFor ages 13-15 years old. Maximum $10,000. Penalty may be imposed for early withdrawal | 5.13% | $1,619 |
Sources (1)
- 1stccu.com/deposit-and-loan-rates · captured Oct 5, 2026
60-Month Youth Certificate Special
4.60%APY · 1 term
For ages 0-12 years old. Minimum deposit $500, maximum $10,000. Youth members may have one of each Youth Certificate type. Cannot be opened as UTMA account. Certificate must be in minor's name. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsFor ages 0-12 years old. Maximum $10,000. Penalty may be imposed for early withdrawal | 4.60% | $2,522 |
Sources (1)
- 1stccu.com/deposit-and-loan-rates · captured Oct 5, 2026
10-Month Anniversary CD Special
4.00%APY · 1 term
Limited time offer; will end without warning. $1,000 minimum opening deposit ($500 for minors). Auto-renews to a 12-month term at maturity. 90-Day penalty for early withdrawal. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 months$1,000 minimum opening deposit ($500 for minors). Auto-renews to 12-month term at maturity. 90-day penalty for early withdrawal | 4.00% | $332 |
Sources (1)
- 1stccu.com/deposit-and-loan-rates · captured Oct 5, 2026
IRA Certificate
Up to 3.72%APY · 7 terms
Available for Traditional, Roth, or Education IRA. Rates shown for Passbook IRA Accounts are last declared rates and should not be construed as current offerings. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.72% | $372 |
| 18 months | 3.20% | $484 |
| 24 months | 3.10% | $630 |
| 30 months | 3.10% | $793 |
| 36 months | 3.20% | $991 |
| 48 months | 3.20% | $1,343 |
| 60 months | 3.20% | $1,706 |
Share Certificate
Up to 3.72%APY · 8 terms
Minimum opening deposit for Regular Share Certificate is $1,000 ($500 for minors). Balances below $1,000 ($500 for minor) may be subject to penalty and will reduce the stated APY. Early withdrawal penalty may apply. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum opening deposit $1,000 ($500 for minors) | 2.79% | $139 |
| 12 monthsMinimum opening deposit $1,000 ($500 for minors) | 3.72% | $372 |
| 18 monthsMinimum opening deposit $1,000 ($500 for minors) | 3.20% | $484 |
| 24 monthsMinimum opening deposit $1,000 ($500 for minors) | 3.10% | $630 |
| 30 monthsMinimum opening deposit $1,000 ($500 for minors) | 3.10% | $793 |
| 36 monthsMinimum opening deposit $1,000 ($500 for minors) | 3.20% | $991 |
| 48 monthsMinimum opening deposit $1,000 ($500 for minors) | 3.20% | $1,343 |
| 60 monthsMinimum opening deposit $1,000 ($500 for minors) | 3.20% | $1,706 |
Who can join 1st Community Credit Union
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