Credit union · NCUA insured
1st Community Federal Credit Union CD Rates
1st Community Federal Credit Union’s best CD rate is 3.75% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How 1st Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions near San Angelo, TX, where 1st Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
1st Community Federal Credit Union
3.75%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $186
Term Share Certificates
Top rate
Texas Trust Credit Union
4.40%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $553
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
1st Community Federal Credit Union CD score
72
CD score
Higher than 31% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo2.65%
- 31–60 months31–60 mo2.60%
- QualifiedQualified3.75%
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 Federal 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.
Term Share Certificates
Up to 3.75%APY · 4 terms
Dividends compounded and credited monthly on the last calendar day of the month for compounding certificates. Dividends will not be compounded if chosen to be paid directly to member or to another account. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounding certificate. Dividends compounded and credited monthly | 3.75% | $186 |
| 6 monthsNoncompounding. Dividends credited monthly | 3.69% | $183 |
| 12 monthsCompounding certificate. Dividends compounded and credited monthly | 3.00% | $300 |
| 12 monthsNoncompounding. Dividends credited monthly | 2.96% | $296 |
| 24 monthsCompounding certificate. Dividends compounded and credited monthly | 2.65% | $537 |
| 24 monthsNoncompounding. Dividends credited monthly | 2.62% | $531 |
| 36 monthsCompounding certificate. Dividends compounded and credited monthly | 2.60% | $800 |
| 36 monthsNoncompounding. Dividends credited monthly | 2.57% | $791 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Term Share Certificates
Up to 3.00%APY · 4 terms
IRA Certificate Accounts are subject to IRS contribution limits. Credit Union and IRS penalties may apply for withdrawal of any principal or dividends before age 59 ½. At age 59 ½, the Credit Union does not impose a penalty for early withdrawal of principal or dividends. Dividends for Traditional / SEP (SEP available for one-year term only) / Roth Accounts will be compounded and credited monthly on the last calendar day of the month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTraditional / SEP / Roth Accounts. SEP available for one-year term only | 3.00% | $300 |
| 24 monthsTraditional / Roth Accounts | 2.65% | $537 |
| 36 monthsTraditional / Roth Accounts | 2.60% | $800 |
| 60 months5 yr Roth Conversion | 2.53% | $1,331 |
Sources (3)
All captured Oct 16, 2026
Who can join 1st Community Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Tom Green, Schleicher, Runnels, Pecos, Midland, Crane, Andrews, Brewster, Coke, Concho, Crockett, Ector, Glasscock, Irion, Kimble, Loving, Martin, Mason, McCulloch, Menard, Reagan, Sterling, Sutton, Terrell, Upton, Ward, or Winkler counties in Texas are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, or grandchild) of persons having primary potential eligibility to join the Credit Union are eligible.
Other ways
- Businesses, organizations, and other legal entities located in Tom Green, Schleicher, Runnels, Pecos, Midland, Crane, Andrews, Brewster, Coke, Concho, Crockett, Ector, Glasscock, Irion, Kimble, Loving, Martin, Mason, McCulloch, Menard, Reagan, Sterling, Sutton, Terrell, Upton, Ward, or Winkler counties of Texas are eligible for membership.
Cost to join
- Members must make a minimum deposit of $25.00 to a Share (savings) Account representing the par value of a share, which is refundable if membership is closed after at least 90 days.
- A one-time non-refundable joining fee of $5.00 is required to establish membership.
Membership information collected October 5, 2026.