Credit union · NCUA insured
First Choice Federal Credit Union Savings Rates
First Choice Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Share Accounts (Savings Accounts). Rates checked October 16, 2026.
How First Choice Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Pittsburgh, PA, where First Choice Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Choice Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- $10
- Earns on $10,000 a year
- $10
Share Accounts (Savings Accounts)
Top rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Dollar Bank
3.75%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $375
First Choice Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- 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 Choice 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.
Escrow Accounts
0.10%APY
Savings set aside for property taxes and insurance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
- firstchoicefcu.com/first-choic…ervices/deposit-accounts
- firstchoicefcu.com/first-choic…s-services/deposit-rates
All captured Sep 17, 2026
Loan Collateral Account
0.10%APY
Matched with Fully Secured Share Loan; funds allocated to secure loan balance while earning the same interest as Share Accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
- firstchoicefcu.com/first-choic…ervices/deposit-accounts
- firstchoicefcu.com/first-choic…s-services/deposit-rates
All captured Sep 17, 2026
Share Accounts (Savings Accounts)
0.10%APY
Initial $10 deposit required to establish and maintain membership. Pays a quarterly dividend. Interest paid on balances > $100.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest paid on Share Accounts with a balance > $100. Quarterly dividend.Any balance | 0.10% | $10 | Interest paid on Share Accounts with a balance > $100. Quarterly dividend. |
Special-purpose accounts
IRA Accounts (unless tied to a CD)
0.75%APY
Traditional IRA Savings Account not tied to a term.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceUnless tied to a CD.Any balance | 0.75% | $75 | Unless tied to a CD. |
Sources (2)
- firstchoicefcu.com/first-choic…ervices/deposit-accounts
- firstchoicefcu.com/first-choic…s-services/deposit-rates
All captured Sep 17, 2026
Christmas Club
0.20%APY
Pays out in October of each year. Early account closure prior to designated time incurs a fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePays out in October each year. Early account closure fee applies ($20.00–$25.00).Any balance | 0.20% | $20 | Pays out in October each year. Early account closure fee applies ($20.00–$25.00). |
Vacation Club
0.20%APY
Pays out in April of each year. Early account closure prior to designated time incurs a fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePays out in April each year. Early account closure fee applies ($20.00–$25.00).Any balance | 0.20% | $20 | Pays out in April each year. Early account closure fee applies ($20.00–$25.00). |
Who can join First Choice 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
- Anyone who lives, works, volunteers, or attends church or school in Lawrence County is eligible to join.
Employers and groups
- Employees of participating Member Companies (Select Employee Groups / SEGs), including CSX Corporation (formerly B&O Railroad), are eligible to join.
Family and household
- Relatives of current First Choice Federal Credit Union members (including children and grandchildren living outside the area) are eligible to join.
Cost to join
- Membership requires opening a Savings (Share) Account with a $10 share deposit, which is free/refundable, subject to a $10.00 early close penalty if closed within six months.
Membership information collected October 5, 2026.