Credit union · NCUA insured
First Area FCU CD Rates
First Area FCU’s best CD rate is 3.03% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How First Area FCU’s CD rates compare
Compared with banks and credit unions near Lewistown, PA, where First Area FCU has the most branches. $10,000, best rate first.
This credit union’s best
First Area FCU
3.03%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $303
Certificate Account
Top rate
Everence
4.10%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
PA Central Federal Credit Union
4.06%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $510
First Area FCU CD score
64
CD score
Higher than 10% of U.S. banks and credit unions
- 3–8 months3–8 mo2.32%
- 9–15 months9–15 mo3.03%
- 16–30 months16–30 mo1.31%
- QualifiedQualified3.03%
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 Area FCU 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.
Certificate Account
Up to 3.03%APY · 5 terms
Minimum deposit amount is $1,000.00 and the maximum is $1,000,000.00. Compounded quarterly and credited quarterly. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months30 day early withdrawal dividend penalty | 2.32% | $115 |
| 9 monthsEarly withdrawal dividend penalty of 60 days | 0.90% | $68 |
| 12 monthsEarly withdrawal dividend penalty of 60 days | 3.03% | $303 |
| 15 months90 day early withdrawal penalty | 1.21% | $151 |
| 24 monthsEarly withdrawal dividend penalty of 90 days | 1.31% | $263 |
Who can join First Area FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.