Credit union · NCUA insured
First Choice America Community Federal Credit Union CD Rates
First Choice America Community Federal Credit Union’s best CD rate is 5.22% APY on a 15-month share certificate (CD). Terms run from 6 months to 10 years. Rates checked October 22, 2026.
How First Choice America Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Weirton, WV-OH, where First Choice America Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Choice America Community Federal Credit Union
5.22%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $657
Certificate Specials
2nd-highest rate
Unified Bank
4.31%APY
- Term
- 25 months
- Minimum
- $1,000
- Earns on $10,000
- $919
3rd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
First Choice America Community Federal Credit Union CD score
81
CD score
Higher than 54% of U.S. banks and credit unions
- 3–8 months3–8 mo4.02%
- 9–15 months9–15 mo3.76%
- 16–30 months16–30 mo1.87%
- 31–60 months31–60 mo1.97%
- QualifiedQualified4.02%
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 Choice America Community Federal Credit Union 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 Specials
Up to 5.22%APY · 2 terms
Limited time offer. Minimum purchase is $500. Penalty for early withdrawal. Membership eligibility required. Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsLimited time offer. Minimum purchase is $500. Penalty for early withdrawal. Membership eligibility required | 5.12% | $296 |
| 15 monthsLimited time offer. Minimum purchase is $500. Penalty for early withdrawal. Membership eligibility required | 5.22% | $657 |
Sources (1)
- firstchoiceamericacu.org/certificate-specials · captured Sep 19, 2026
ADD-Vantage
4.02%APY · 1 term
Based on a 7-month certificate option. Add to initial investment in increments of $500 or more. No additions to certificate can be made 7 days before maturity. Dividends calculated using Daily Balance Method and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsAdd to initial investment in increments of $500 or more. No additions can be made 7 days before maturity. Early withdrawal penalty: 180 days dividend penalty | 4.02% | $233 |
Sources (1)
- firstchoiceamericacu.org/saving/certificates · captured Sep 19, 2026
Certificates
Up to 4.02%APY · 17 terms
Certificate rates are subject to change daily. Dividends are calculated using the Daily Balance Method and credited monthly. Dividends may be compounded, deposited into savings account, or paid by check. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownEarly withdrawal penalty: 90 days dividend penalty | 0.80% | $0 |
| 6 monthsEarly withdrawal penalty: 90 days dividend penalty | 0.80% | $40 |
| 7 monthsEarly withdrawal penalty: 180 days dividend penalty | 4.02% | $233 |
| 9 monthsEarly withdrawal penalty: 180 days dividend penalty | 0.80% | $60 |
| 12 monthsEarly withdrawal penalty: 180 days dividend penalty | 0.85% | $85 |
| 15 monthsEarly withdrawal penalty: 180 days dividend penalty | 3.76% | $472 |
| 18 monthsEarly withdrawal penalty: 180 days dividend penalty | 0.90% | $135 |
| 24 monthsEarly withdrawal penalty: 180 days dividend penalty | 0.90% | $181 |
| 25 monthsEarly withdrawal penalty: 180 days dividend penalty | 1.87% | $394 |
| 30 monthsEarly withdrawal penalty: 180 days dividend penalty | 0.95% | $239 |
| 36 monthsEarly withdrawal penalty: 180 days dividend penalty | 1.00% | $303 |
| 39 monthsEarly withdrawal penalty: 180 days dividend penalty | 1.97% | $655 |
| 48 monthsEarly withdrawal penalty: 180 days dividend penalty | 1.00% | $406 |
| 60 monthsEarly withdrawal penalty: 180 days dividend penalty | 1.06% | $541 |
| 72 monthsEarly withdrawal penalty: 180 days dividend penalty | 1.06% | $653 |
| 84 monthsEarly withdrawal penalty: 180 days dividend penalty | 1.11% | $803 |
| 120 monthsEarly withdrawal penalty: 180 days dividend penalty | 1.16% | $1,222 |
Sources (1)
- firstchoiceamericacu.org/saving/certificates · captured Sep 19, 2026
Special-purpose accounts
IRA Certificates
Up to 4.02%APY · 17 terms
Traditional and Roth IRAs available. Dividends calculated using Daily Balance Method, compounded and credited monthly. IRA Certificate rates subject to change daily. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownEarly withdrawal penalty: 90 days dividend penalty | 0.80% | $0 |
| 6 monthsEarly withdrawal penalty: 90 days dividend penalty | 0.80% | $40 |
| 7 monthsEarly withdrawal penalty: 180 days dividend penalty | 4.02% | $233 |
| 9 monthsEarly withdrawal penalty: 180 days dividend penalty | 0.80% | $60 |
| 12 monthsEarly withdrawal penalty: 180 days dividend penalty | 0.85% | $85 |
| 15 monthsEarly withdrawal penalty: 180 days dividend penalty | 3.76% | $472 |
| 18 monthsEarly withdrawal penalty: 180 days dividend penalty | 0.90% | $135 |
| 24 monthsEarly withdrawal penalty: 180 days dividend penalty | 0.90% | $181 |
| 25 monthsEarly withdrawal penalty: 180 days dividend penalty | 1.87% | $394 |
| 30 monthsEarly withdrawal penalty: 180 days dividend penalty | 0.95% | $239 |
| 36 monthsEarly withdrawal penalty: 180 days dividend penalty | 1.00% | $303 |
| 39 monthsEarly withdrawal penalty: 180 days dividend penalty | 1.97% | $655 |
| 48 monthsEarly withdrawal penalty: 180 days dividend penalty | 1.00% | $406 |
| 60 monthsEarly withdrawal penalty: 180 days dividend penalty | 1.06% | $541 |
| 72 monthsEarly withdrawal penalty: 180 days dividend penalty | 1.06% | $653 |
| 84 monthsEarly withdrawal penalty: 180 days dividend penalty | 1.11% | $803 |
| 120 monthsEarly withdrawal penalty: 180 days dividend penalty | 1.16% | $1,222 |
Sources (1)
- firstchoiceamericacu.org/saving/ira · captured Sep 19, 2026
Kid Vantage
4.02%APY · 1 term
For children or grandchildren. Based on a 7-month certificate. Add in increments of $25 at a time. No additions to certificate can be made 7 days before maturity. Dividends calculated using Daily Balance Method and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsAdd in increments of $25 at a time. No additions can be made 7 days before maturity. Early withdrawal penalty: 180 days dividend penalty | 4.02% | $233 |
Sources (1)
- firstchoiceamericacu.org/saving/certificates · captured Sep 19, 2026
Who can join First Choice America Community Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to those who work, reside, worship, or attend school in specified counties and cities in West Virginia and Ohio, and specified townships in Washington County, Pennsylvania.
Employers and groups
- Membership is open to persons retired as pensioners or annuitants from an employer located within the field of membership.
Family and household
- Membership is open to members of the immediate family and household, and organizations of such persons.
- Membership is open to spouses of persons who died within the field of membership of the Credit Union.
Other ways
- Membership is open to local businesses and other legal entities located within the eligible geographic field of membership areas.
- Membership is open to volunteers in the community.
Cost to join
- Membership requires the purchase of a $5 share in a First Choice America savings account and completion of a membership application.
Membership information collected October 4, 2026.