Credit union · NCUA insured
First Class Community Credit Union Savings Rates
First Class Community Credit Union’s best savings rate is 0.60% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How First Class Community Credit Union’s savings 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
0.60%APY
- Minimum
- $2,000
- Earns on $10,000 a year
- $60
Money Market
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Iowa Trust
3.70%APY
- Minimum
- $100
- Earns on $10,000 a year
- $370
First Class Community Credit Union savings score
80
Savings score
Higher than 52% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.60%
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 Class Community 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
0.60%APY
Up to six withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 and up | 0.60% | $60 |
Sources (2)
All captured Oct 5, 2026
Basic Savings Account
0.10%APY
Sub-savings accounts designed to live alongside primary Membership Share. Enjoys the exact same terms and interest rates as primary Membership Share Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and upShares the same rate and terms as the primary Membership Share account.$300 and up | 0.10% | $10 | Shares the same rate and terms as the primary Membership Share account. |
Sources (3)
- gofirstclass.org/summer-savings-account
- gofirstclass.org/accounts/savings
- gofirstclass.org/accounts/depositrates
All captured Oct 5, 2026
Membership Share
0.10%APY
Investing $25 in a share savings account buys a share of First Class Community Credit Union and makes you a member-owner.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $300 and up | 0.10% | $10 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Account
0.20%APY
Available as Traditional and Roth IRA savings accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (2)
All captured Oct 5, 2026
Holiday Account
0.10%APY
Funds saved throughout the year will be paid out on September 30th for holiday expenses.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $300 and up | 0.10% | $10 |
Sources (2)
All captured Oct 5, 2026
Youth Share
0.10%APY
For ages 12 and under. A parent must be a joint account holder.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and upAges 0-12.$300 and up | 0.10% | $10 | Ages 0-12. |
Sources (2)
All captured Oct 5, 2026
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.