Credit union · NCUA insured
1st Community Credit Union Savings Rates
Top Carrot1st Community Credit Union’s best savings rate is 1.31% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How 1st Community Credit Union’s savings 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
1.31%APY
- Earns on $10,000 a year
- $131
Money Market
Top rate
Park Bank
2.61%APY
- Earns on $10,000 a year
- $261
3rd-highest rate
Tomah Area Credit Union
1.31%APY
- Earns on $10,000 a year
- $131
1st Community Credit Union savings score
88
Savings score
Higher than 81% of U.S. banks and credit unions
- $1,000 balance$1,0001.11%
- $10,000 balance$10,0001.31%
- $100,000 balance$100,0002.22%
- QualifiedQualified1.31%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
1.31%APY
Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Rates shown for Passbook IRA Accounts and Share Deposit Accounts are the last declared rates and should not be construed as current offerings. Federally insured by NCUA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.20% | — |
| $1,000 – $10,000 | 1.11% | — |
| $10,000 – $25,000 | 1.31% | $131 |
| $25,000 – $100,000 | 1.71% | — |
| $100,000 and up | 2.22% | — |
Sources (1)
- 1stccu.com/deposit-and-loan-rates · captured Oct 16, 2026
Ultimate Savings
0.15%APY
Minimum opening deposit of $1,000 to earn higher dividend rate; no fees. If balance falls below $1,000 minimum, a reduced dividend applies.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Applicable on balances less than $1,000 | 0.10% | — | Applicable on balances less than $1,000 |
| $1,000 and upApplicable on balances greater than $1,000 | 0.15% | $15 | Applicable on balances greater than $1,000 |
Primary Share Savings
0.10%APY
All members must have a Primary Share account. Free online, mobile, and telephone banking. Opening deposit of $5.00 must remain in account and balance is not allowed to drop below the $5.00 minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Regular Share Savings
0.10%APY
Membership eligibility required. Anyone who lives or works in eligible counties is eligible to join 1st CCU.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceStandard share savings rate.Any balance | 0.10% | $10 | Standard share savings rate. |
Sources (1)
- 1stccu.com/deposit-and-loan-rates · captured Oct 16, 2026
Special-purpose accounts
Passbook IRA
2.02%APY
Rates shown are the last declared rates and should not be construed as current offerings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.02% | $202 |
Christmas Club
0.15%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (1)
- 1stccu.com/deposit-and-loan-rates · captured Oct 16, 2026
Who can join 1st Community Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.