Credit union · NCUA insured
First Choice Credit Union Savings Rates
Top CarrotFirst Choice Credit Union’s best savings rate is 0.55% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How First Choice Credit Union’s savings rates compare
Compared with banks and credit unions near Miami, FL, where First Choice Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Choice Credit Union
0.55%APY
- Requires
- None
- Earns on $10,000 a year
- $55
Money Market
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $440
First Choice Credit Union savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.55%
- $100,000 balance$100,0001.35%
- QualifiedQualified0.55%
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 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.
Round-Up Savings
10.00%APY
Available only to members enrolled in the Debit Card Round-Up program. Deposits are limited to rounded up transactions. Allows only one annual withdrawal (renews on anniversary of account opening); non-complying withdrawal results in account closure. Reopen fee is $25.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust be enrolled in Debit Card Round-Up. Deposits limited to rounded up transactions. Only one annual withdrawal permitted.Any balance | 10.00% | $1,000 | Must be enrolled in Debit Card Round-Up. Deposits limited to rounded up transactions. Only one annual withdrawal permitted. |
Sources (3)
- firstchoicecu.org/debit-card-round-up
- firstchoicecu.org/disclosures-and-fees
- firstchoicecu.org/roundup-savings
All captured Oct 15, 2026
High-Yield Savings
3.40%APY
A $25,000 minimum deposit is required to open. A $10 monthly fee is imposed if the minimum balance falls below $25,000 at any time during the month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 and upA $10 monthly fee will be imposed if the minimum balance falls below $25,000 during any time during the given month.$25,000 and up | 3.40% | — | A $10 monthly fee will be imposed if the minimum balance falls below $25,000 during any time during the given month. |
Sources (1)
- firstchoicecu.org/high-yield-savings · captured Oct 15, 2026
Super Money Market
0.15%APY
Below minimum balance ($50,000) fee of $15.00/mo. No penalty or fee for early withdrawals. Funds not subject to Florida State Intangible Tax. Unlimited in-person branch withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50,000 | 0.15% | $15 |
| $50,000 and up | 1.35% | — |
Sources (2)
All captured Sep 18, 2026
Money Market
0.55%APY
Low minimum balance required of just $2,500. A $5.00/month fee applies if balance falls below minimum balance ($2,500). No penalty or fee for early withdrawals. Unlimited in-person branch withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.10% | — |
| $2,500 – $9,999 | 0.40% | — |
| $10,000 – $24,999 | 0.55% | $55 |
| $25,000 and up | 0.77% | — |
Sources (2)
All captured Sep 18, 2026
Share Savings
0.10%APY
Establishes membership with FCCU. $1.00 fee to open new share account / membership fee. Single service fee of $5.00/mo applies if share balance is below $300.00 with no other deposit or loan/MasterCard accounts (children under 24 exempt).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust have balance of $100.00 to earn dividends. Minimum balance to establish account is $5.$100 and up | 0.10% | $10 | Must have balance of $100.00 to earn dividends. Minimum balance to establish account is $5. |
Sources (3)
All captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Accounts
0.25%APY
Includes Traditional, Roth, and Coverdell Education Savings Account (ESA) options. Must have earned income to qualify for Traditional and Roth IRAs. Traditional IRA requires age 59.5 for penalty-free withdrawals and RMDs begin at age 73. Coverdell ESA beneficiary must be under 18 (unless special needs) and contributions cannot exceed $2,000/student/year. Annual fee is $25.00; close, transfer or rollover fee is $25.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to Traditional, Roth, and Educational (Coverdell ESA) IRA savings accounts. Annual fee of $25.00 applies.Any balance | 0.25% | $25 | Applies to Traditional, Roth, and Educational (Coverdell ESA) IRA savings accounts. Annual fee of $25.00 applies. |
Holiday Club
0.10%APY
Funds plus dividends automatically transfer into share account early in November of each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAutomatically transfers funds and dividends into share account early in November each year.Any balance | 0.10% | $10 | Automatically transfers funds and dividends into share account early in November each year. |
Who can join First Choice Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.