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Credit union · NCUA insured

First Class Community Credit Union CD Rates

First Class Community Credit Union’s best CD rate is 3.54% APY on a 1-year share certificate (CD). Terms run from 1 year to 4 years. Rates checked October 16, 2026.

How First Class Community Credit Union’s CD rates compare

Compared with banks and credit unions near Des Moines, IA, where First Class Community Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    First Class Community Credit Union

    3.28%APY

    Term
    12 months
    Requires
    None
    Minimum
    $2,000
    Earns on $10,000
    $328

    Share Certificate

  • Top rate

    Nicolet National Bank

    4.75%APY

    Term
    60 months
    Requires
    None
    Minimum
    $2,500
    Earns on $10,000
    $2,612

    Nicolet National Bank rates

  • 2nd-highest rate

    Union State Bank

    4.61%APY

    Term
    27 months
    Requires
    Another account
    Minimum
    —
    Earns on $10,000
    $1,067

    Union State Bank rates

Compare CD rates near you →

First Class Community Credit Union CD score

65

CD score

Higher than 15% of U.S. banks and credit unions

By term
  • 9–15 months9–15 mo3.28%
  • 16–30 months16–30 mo2.77%
  • 31–60 months31–60 mo2.26%
  • QualifiedQualified3.28%

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.

How the score works →

Where First Class Community 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.

Who can join First Class Community 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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone living or working in Polk, Story, Jasper, Marion, Warren, Madison, Boone, Dallas, Plymouth, Cherokee, Ida, Woodbury, Crawford, and Monona counties in Iowa.

Military, government and schools

  • All postal employees in the state of Iowa are eligible to join First Class Community Credit Union.

Cost to join

  • A $25 deposit into a savings account is required to become a member and remains on hold for the duration of membership.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
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