Credit union · NCUA insured
1st Cooperative Federal Credit Union Savings Rates
1st Cooperative Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Regular Savings. Rates checked October 22, 2026.
How 1st Cooperative Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Columbia, SC, where 1st Cooperative Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
1st Cooperative Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $10
Regular Savings
Top rate
MTC Federal Credit Union
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $350
2nd-highest rate
Caro Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $300
1st Cooperative Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 Cooperative 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.
Regular Savings
0.10%APY
Basic savings account that comes with credit union membership. Par value of one share is $25. Membership eligibility is restricted to electric cooperative employees, trustees, and their family members.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend period is monthly. Rates are subject to change.Any balance | 0.10% | $10 | Dividend period is monthly. Rates are subject to change. |
Sources (4)
- 1stcooperative.com/join
- 1stcooperative.com/open-an-account
- 1stcooperative.com/rates
- 1stcooperative.com/saving
All captured Oct 15, 2026
Special-purpose accounts
Holiday Helper
0.35%APY
Balance of the Holiday Helper Account is transferred to primary 1st Cooperative Savings Account on or after November 1 each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend period is quarterly. Rates are subject to change.Any balance | 0.35% | $35 | Dividend period is quarterly. Rates are subject to change. |
Sources (3)
All captured Oct 15, 2026
Vacation Account
0.35%APY
Balance of the Vacation Account is transferred to primary 1st Cooperative Savings Account on or after May 1 each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend period is quarterly. Rates are subject to change.Any balance | 0.35% | $35 | Dividend period is quarterly. Rates are subject to change. |
Sources (3)
All captured Oct 15, 2026
Health Savings Account
0.10%APY
Requires having a high deductible health insurance plan.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend period is monthly. Rates are subject to change.Any balance | 0.10% | $10 | Dividend period is monthly. Rates are subject to change. |
Kids Club
0.10%APY
Youth savings account for ages 2–12. Requires at least one adult as Joint Owner. Membership eligibility applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend period is monthly. Rates are subject to change.Any balance | 0.10% | $10 | Dividend period is monthly. Rates are subject to change. |
Teen Savers
0.10%APY
Youth savings account for ages 13–17. Requires at least one adult as Joint Owner. Membership eligibility applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend period is monthly. Rates are subject to change.Any balance | 0.10% | $10 | Dividend period is monthly. Rates are subject to change. |
Who can join 1st Cooperative Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.