Credit union · NCUA insured
First Central Credit Union Savings Rates
First Central Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market (First Fund). Rates checked October 16, 2026.
How First Central Credit Union’s savings rates compare
Compared with banks and credit unions near Waco, TX, where First Central Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Central Credit Union
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $200
Free Kasasa Saver
Top rate
Texell Credit Union
3.50%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $350
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
First Central Credit Union savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0002.00%
- QualifiedQualified2.00%
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 Central 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.
Money Market (First Fund)
1.00%APY
Avoid the $20 monthly service fee by maintaining a minimum daily balance of $2,500 or more. Minimum balance of $2,500 to earn higher interest rates. Interest is calculated, compounded, and paid monthly on the daily balance on the last day of the month. Transaction limit of up to 6 pre-authorized, automatic, or telephone transfers per month, with no more than 3 by check, draft, or debit.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Avoid the $20 monthly service fee with a minimum daily balance of $2,500 or more. | 0.35% | — | Avoid the $20 monthly service fee with a minimum daily balance of $2,500 or more. |
| $2,500 – $25,000Avoid the $20 monthly service fee with a minimum daily balance of $2,500 or more. Minimum balance of $2,500 to earn higher interest rate. | 1.00% | $100 | Avoid the $20 monthly service fee with a minimum daily balance of $2,500 or more. Minimum balance of $2,500 to earn higher interest rate. |
| $25,000 – $50,000Avoid the $20 monthly service fee with a minimum daily balance of $2,500 or more. | 1.10% | — | Avoid the $20 monthly service fee with a minimum daily balance of $2,500 or more. |
| $50,000 – $100,000Avoid the $20 monthly service fee with a minimum daily balance of $2,500 or more. | 1.25% | — | Avoid the $20 monthly service fee with a minimum daily balance of $2,500 or more. |
| $100,000 – $250,000Avoid the $20 monthly service fee with a minimum daily balance of $2,500 or more. | 2.00% | — | Avoid the $20 monthly service fee with a minimum daily balance of $2,500 or more. |
| $250,000 and upAvoid the $20 monthly service fee with a minimum daily balance of $2,500 or more. | 2.25% | — | Avoid the $20 monthly service fee with a minimum daily balance of $2,500 or more. |
Free Kasasa Saver
Up to 2.00%APY
Links to Free Kasasa Cash or Kasasa Cash Back checking account. Limit one account per SSN. Qualify for Kasasa Saver rewards by meeting monthly qualification cycle requirements in the linked Kasasa Cash or Kasasa Cash Back account (at least 12 check card purchases post and settle, enroll and receive e-statement notices, and enroll and log into online banking).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000Applies to balances up to $20,000 when monthly qualifications are met in linked Kasasa Cash or Kasasa Cash Back account. | 2.00% | $200 | Applies to balances up to $20,000 when monthly qualifications are met in linked Kasasa Cash or Kasasa Cash Back account. |
| Any balanceBase rate applied to entire balance if monthly qualifications in linked Kasasa Cash or Kasasa Cash Back are not met. | 0.05% | $5 | Base rate applied to entire balance if monthly qualifications in linked Kasasa Cash or Kasasa Cash Back are not met. |
| $20,000 and upApplies to portion of balance over $20,000 when monthly qualifications are met in linked Kasasa Cash or Kasasa Cash Back account, resulting in an APY range of 2.00% to 1.17% (or 1.17% to 2.00%) depending on balance. | 1.00% | — | Applies to portion of balance over $20,000 when monthly qualifications are met in linked Kasasa Cash or Kasasa Cash Back account, resulting in an APY range of 2.00% to 1.17% (or 1.17% to 2.00%) depending on balance. |
Dream Savings
0.35%APY
Special savings accounts designated for specific goals (such as Special Savings, Vacation, Wedding).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn interest is $100.00. No minimum balance requirements and no monthly service fee. Interest is calculated, compounded, and paid monthly on the daily balance (paid on the last day of the month).$100 and up | 0.35% | $35 | Minimum balance to earn interest is $100.00. No minimum balance requirements and no monthly service fee. Interest is calculated, compounded, and paid monthly on the daily balance (paid on the last day of the month). |
Sources (2)
- firstcentralcu.com/accounts/pe…vings/dream-savings.html
- firstcentralcu.com/resources/member-resources/rates.html
All captured Oct 6, 2026
Regular Share Account
0.35%APY
Establishes membership with First Central Credit Union. Minimum balance to maintain membership is $5.00 at all times. 4 free withdrawals per month; $3 fee for each monthly withdrawal over original 4.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid quarterly on the daily balance (credited last day of March, June, September, and December).$100 and up | 0.35% | $35 | Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid quarterly on the daily balance (credited last day of March, June, September, and December). |
Special-purpose accounts
IRA Savings
0.50%APY
Includes Regular (Traditional), Roth, and Educational (Coverdell ESA) savings. $1,000 minimum deposit to open for IRA. Coverdell ESA has no setup or annual fees and allows contributions up to $2,000 annually per child under age 18.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate applies to Regular, Roth & Educational IRA Savings accounts. $1,000 minimum deposit to open; no setup or annual fee for Coverdell ESA.Any balance | 0.50% | $50 | Rate applies to Regular, Roth & Educational IRA Savings accounts. $1,000 minimum deposit to open; no setup or annual fee for Coverdell ESA. |
Dream Club
0.35%APY
Designed to save for year-end or holiday expenses. Every November, the full balance of the account is withdrawn and paid to the member; account remains open for next year's savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn interest is $100.00. No minimum balance requirements and no monthly service fee. Interest is calculated, compounded, and paid monthly on the daily balance (paid on the last day of the month). Full balance automatically paid in November.$100 and up | 0.35% | $35 | Minimum balance to earn interest is $100.00. No minimum balance requirements and no monthly service fee. Interest is calculated, compounded, and paid monthly on the daily balance (paid on the last day of the month). Full balance automatically paid in November. |
Sources (2)
- firstcentralcu.com/accounts/pe…vings/dream-savings.html
- firstcentralcu.com/resources/member-resources/rates.html
All captured Oct 6, 2026
Kirby Kangaroo
0.35%APY
Youth savings account available for children age 0-12. Child must be present to recieve Kirby Kangaroo prize. One prize per child each day. $5 deposit to open; $5 balance to avoid account closure; and $25 average daily balance to obtain disclosed annual percentage yield.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAvailable for children ages 0-12. $5 deposit to open; $5 balance to avoid account closure; and $25 average daily balance to obtain disclosed annual percentage yield. Child must be present to recieve Kirby Kangaroo prize. One prize per child each day.$25 and up | 0.35% | $35 | Available for children ages 0-12. $5 deposit to open; $5 balance to avoid account closure; and $25 average daily balance to obtain disclosed annual percentage yield. Child must be present to recieve Kirby Kangaroo prize. One prize per child each day. |
Sources (2)
- firstcentralcu.com/accounts/pe…vings/dream-savings.html
- firstcentralcu.com/resources/member-resources/rates.html
All captured Oct 6, 2026
TUTMA Savings
0.35%APY
Texas Uniform Transfers to Minors Account (TUTMA) custodial account for a minor from birth to age 21. Account is set up in minor child's name and SSN with parent or legal guardian as custodian. Child is beneficiary at age 21. $5 deposit to open; $5 balance to avoid account closure; and $100 average daily balance to obtain disclosed annual percentage yield.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upCustodial account for minors from birth to age 21. $5 deposit to open; $5 balance to avoid account closure; and $100 average daily balance to obtain disclosed annual percentage yield.$100 and up | 0.35% | $35 | Custodial account for minors from birth to age 21. $5 deposit to open; $5 balance to avoid account closure; and $100 average daily balance to obtain disclosed annual percentage yield. |
Youth Account
0.35%APY
Available to teens/minors. Establishes membership with FCCU. Unlimited withdrawals. No monthly service fee. $5 deposit to open; $5 balance to avoid account closure; and $25 average daily balance to obtain disclosed annual percentage yield.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upEarns dividends on balances of $25 or more. Compounded and credited quarterly. $5 deposit to open; $5 balance to avoid account closure; and $25 average daily balance to obtain disclosed annual percentage yield.$25 and up | 0.35% | $35 | Earns dividends on balances of $25 or more. Compounded and credited quarterly. $5 deposit to open; $5 balance to avoid account closure; and $25 average daily balance to obtain disclosed annual percentage yield. |
Who can join First Central Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school within Bell, Bosque, Callahan, Coleman, Comanche, Coryell, Eastland, Falls, Limestone, McCulloch, Milam, Mills, Navarro, Robertson, and San Saba counties are eligible for membership.
- Individuals who live, work, or worship in Hill or Brown Counties are eligible for membership.
- Individuals who live or work in McLennan County are eligible for membership.
Employers and groups
- Employees of select employment groups are eligible for membership.
Family and household
- Individuals who have an eligible family member who is a member of First Central Credit Union are eligible for membership.
Cost to join
- New members are required to open a savings account with a minimum deposit of $5.
Membership information collected October 5, 2026.