Credit union · NCUA insured
First California Federal Credit Union Savings Rates
First California Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Total Saver. Rates checked October 16, 2026.
How First California Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Tampa, FL, where First California Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First California Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $10
Total Saver
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
First California Federal Credit Union savings score
63
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.20%
- 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 First California 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.
Total Saver
0.10%APY
Variable rate. Fee-free ATM access nationwide. Dividends are computed on the daily balance method, begin accruing as of the date of deposit, and are paid and compounded monthly on accounts with a minimum of $5.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $250 | 0.00% | — |
| $250 – $3,000 | 0.05% | — |
| $3,000 – $5,000 | 0.05% | — |
| $5,000 – $10,000 | 0.10% | — |
| $10,000 – $50,000 | 0.10% | $10 |
| $50,000 – $100,000 | 0.15% | — |
| $100,000 and up | 0.20% | — |
Sources (2)
All captured Oct 16, 2026
Membership Account
0.00%APY
Non-Dividend Earning
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNon-Dividend Earning; $5 Opening DepositAny balance | 0.00% | $0 | Non-Dividend Earning; $5 Opening Deposit |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Split Rate
0.15%APY
Tiered rate variable IRA Share Account. Dividends are computed on the daily balance method, begin accruing as of the date of deposit, and are paid and compounded monthly on accounts with a minimum of $5.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $2,000 | 0.05% | — |
| $3,000 – $4,999 | 0.10% | — |
| $5,000 and up | 0.15% | $15 |
Sources (2)
All captured Oct 16, 2026
Freedom Savings
0.05%APY
For teenagers 16 or 17 years of age with guidance/signature of parent or guardian. Includes free ATM card, free online banking, and e-statements. Dividends are computed on the daily balance method, begin accruing as of the date of deposit, and are paid and compounded monthly on accounts with a minimum of $5.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance required to earn stated rate is $5.$5 and up | 0.05% | $5 | Minimum balance required to earn stated rate is $5. |
Sources (2)
All captured Oct 16, 2026
Future Savers
0.05%APY
Eligible for children 0 to 15 years old (rate schedule indicates 5-15 years of age) with signature of parent or legal guardian. Dividends are computed on the daily balance method, begin accruing as of the date of deposit, and are paid and compounded monthly on accounts with a minimum of $5.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance required to earn stated rate is $5.$5 and up | 0.05% | $5 | Minimum balance required to earn stated rate is $5. |
Sources (2)
All captured Oct 16, 2026
Holiday Club
0.05%APY
No early withdrawal penalty. Variable rate. Dividends are computed on the daily balance method, begin accruing as of the date of deposit, and are paid and compounded monthly on accounts with a minimum of $5.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance required to earn stated rate is $5.$5 and up | 0.05% | $5 | Minimum balance required to earn stated rate is $5. |
Sources (2)
All captured Oct 16, 2026
IRA Accumulation
0.05%APY
Variable rate IRA Share Account. Dividends are computed on the daily balance method, begin accruing as of the date of deposit, and are paid and compounded monthly on accounts with a minimum of $5.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance required to earn stated rate is $100.$100 and up | 0.05% | $5 | Minimum balance required to earn stated rate is $100. |
Sources (2)
All captured Oct 16, 2026
Vacation Club
0.05%APY
Variable rate. Dividends are computed on the daily balance method, begin accruing as of the date of deposit, and are paid and compounded monthly on accounts with a minimum of $5.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance required to earn stated rate is $5.$5 and up | 0.05% | $5 | Minimum balance required to earn stated rate is $5. |
Sources (2)
All captured Oct 16, 2026
Who can join First California Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.