Credit union · NCUA insured
First American CU Savings Rates
First American CU’s best savings rate is 1.76% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How First American CU’s savings rates compare
Compared with banks and credit unions near Phoenix, AZ, where First American CU has the most branches. $10,000, best rate first.
This credit union’s best
First American CU
1.76%APY
- Requires
- None
- Minimum
- $1,500
- Earns on $10,000 a year
- $176
Money Market Account
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
Alhambra Credit Union
4.04%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $404
First American CU savings score
88
Savings score
Higher than 82% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.76%
- $100,000 balance$100,0001.20%
- QualifiedQualified1.76%
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 First American CU 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 Account
1.76%APY
Dividends compounded and paid monthly, calculated on average daily balance. Earn dividends on all balances over $1,500. No monthly service fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,500 – $9,999Minimum $1,500 to open, $1,500 to earn dividends. | 0.77% | — | Minimum $1,500 to open, $1,500 to earn dividends. |
| $10,000 – $99,999Minimum $1,500 to open, $1,500 to earn dividends. | 1.76% | $176 | Minimum $1,500 to open, $1,500 to earn dividends. |
| $100,000 and upMinimum $1,500 to open, $1,500 to earn dividends. | 1.20% | — | Minimum $1,500 to open, $1,500 to earn dividends. |
Savings Account
0.20%APY
$10 one-time, non-refundable membership fee applies. Provides membership to First American Credit Union. Dividends calculated daily, paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 – $9,999Minimum $25 to open, minimum $250 to earn dividends. | 0.15% | — | Minimum $25 to open, minimum $250 to earn dividends. |
| $10,000 and upMinimum $25 to open, minimum $250 to earn dividends. | 0.20% | $20 | Minimum $25 to open, minimum $250 to earn dividends. |
Sources (3)
All captured Sep 16, 2026
Special-purpose accounts
IRA Savings
1.00%APY
Available in Traditional and Roth. Annual contribution limits apply; $1,000 annual catch-up contributions allowed for ages 50 and better. Pays monthly dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Minimum $25 to open, $100 to earn dividends. | 0.75% | — | Minimum $25 to open, $100 to earn dividends. |
| $10,000 – $25,000Minimum $25 to open, $100 to earn dividends. | 1.00% | $100 | Minimum $25 to open, $100 to earn dividends. |
| $25,000 and upMinimum $25 to open, $100 to earn dividends. | 1.26% | — | Minimum $25 to open, $100 to earn dividends. |
Sources (3)
- firstamerican.org/personal/personal-savings
- firstamerican.org/rates
- firstamerican.org/individual-retirement-accounts-(iras)
All captured Sep 16, 2026
Who can join First American CU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.