Credit union · NCUA insured
1st Community Federal Credit Union Savings Rates
1st Community Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How 1st Community Federal Credit Union’s savings 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
0.25%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $25
Money Market Account
Top rate
First National Bank Texas
2.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $200
2nd-highest rate
Good Year San Angelo Federal Credit Union
1.91%APY
- Minimum
- —
- Earns on $10,000 a year
- $191
1st Community Federal Credit Union savings score
70
Savings score
Higher than 26% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.35%
- QualifiedQualified0.25%
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 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.
Mega Money Market Account
0.35%APY
Minimum $25,000 balance required to open and maintain each day to avoid a $15 monthly service fee charged the next month. Includes 6 free withdrawals per month ($5 each thereafter) and first 40 checks free. Dividends are calculated by the simple daily accrual method and compounded and credited monthly. Rates are prospective and subject to change at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum $25,000 daily balance required to avoid $15 monthly service fee charged the next month. 6 free withdrawals per month ($5 each thereafter).Any balance | 0.35% | $35 | Minimum $25,000 daily balance required to avoid $15 monthly service fee charged the next month. 6 free withdrawals per month ($5 each thereafter). |
Sources (3)
- 1cfcu.org/deposit-accounts
- 1cfcu.org/money-market
- 1cfcu.org/wp-content/uploads/2…Disclosures-20260916.pdf
All captured Sep 17, 2026
Money Market Account
0.25%APY
Minimum $2,500 balance required to open and maintain each day to avoid a $15 monthly service fee charged the next month. Includes 6 free withdrawals per month ($5 each thereafter) and first 40 checks free. Dividends are calculated by the simple daily accrual method and compounded and credited monthly. Rates are prospective and subject to change at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum $2,500 daily balance required to avoid $15 monthly service fee charged the next month. 6 free withdrawals per month ($5 each thereafter).Any balance | 0.25% | $25 | Minimum $2,500 daily balance required to avoid $15 monthly service fee charged the next month. 6 free withdrawals per month ($5 each thereafter). |
Sources (3)
- 1cfcu.org/deposit-accounts
- 1cfcu.org/money-market
- 1cfcu.org/wp-content/uploads/2…Disclosures-20260916.pdf
All captured Sep 17, 2026
Savings (Share) Account
0.05%APY
Requires a one-time $5 non-refundable joining fee and completing payment of one $25 par value share to become a member and maintain membership. Dividends are compounded and credited quarterly based on simple daily accrual. May be pledged on a Shares Secured loan or used for overdraft protection.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMust maintain a minimum balance of $25 to maintain membership and utilize credit union services. Fee assessed for electronic withdrawals in excess of 6 per month.$25 and up | 0.05% | $5 | Must maintain a minimum balance of $25 to maintain membership and utilize credit union services. Fee assessed for electronic withdrawals in excess of 6 per month. |
Sources (3)
- 1cfcu.org/deposit-accounts
- 1cfcu.org/savings-accounts
- 1cfcu.org/wp-content/uploads/2…Disclosures-20260916.pdf
All captured Sep 17, 2026
Special-purpose accounts
Arnie Dillo Youth Account
0.05%APY
For kids birth through 12 years of age. Child becomes a member by opening a Regular Share/Savings account with a $25 minimum deposit; credit union waives the $5 New Membership Fee and makes it the child's first deposit. Dividends are compounded and paid quarterly at the same dividend rate as the Savings/Share Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly service fee. Exempt from excessive electronic withdrawal fee on club accounts. Earns 1 Dillo Dollar per $5 deposited, redeemable for prizes.Any balance | 0.05% | $5 | No monthly service fee. Exempt from excessive electronic withdrawal fee on club accounts. Earns 1 Dillo Dollar per $5 deposited, redeemable for prizes. |
Sources (2)
All captured Sep 17, 2026
Christmas Club Account
0.05%APY
Dividends compounded and credited monthly based on simple daily accrual. Available for withdrawal during November and December of each year. Automatically renewed annually. If funds are withdrawn prior to November 1, the account will be closed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance or monthly service fee. Account closed if early withdrawal occurs prior to November 1.Any balance | 0.05% | $5 | No minimum balance or monthly service fee. Account closed if early withdrawal occurs prior to November 1. |
Sources (3)
- 1cfcu.org/club-accounts
- 1cfcu.org/savings-accounts
- 1cfcu.org/wp-content/uploads/2…Disclosures-20260916.pdf
All captured Sep 17, 2026
Club Accounts
0.05%APY
Special occasion savings (e.g., Education, Vacation). Dividends compounded and paid quarterly based on simple daily accrual.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance or monthly service fee. Fee assessed for electronic withdrawals in excess of 6 per month.Any balance | 0.05% | $5 | No minimum balance or monthly service fee. Fee assessed for electronic withdrawals in excess of 6 per month. |
Sources (4)
- 1cfcu.org/club-accounts
- 1cfcu.org/deposit-accounts
- 1cfcu.org/savings-accounts
- 1cfcu.org/wp-content/uploads/2…Disclosures-20260916.pdf
All captured Sep 17, 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.