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Credit union · NCUA insured

First Commonwealth Federal Credit Union CD Rates

First Commonwealth Federal Credit Union’s best CD rate is 4.25% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.

How First Commonwealth Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Allentown, PA-NJ, where First Commonwealth Federal Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    First Commonwealth Federal Credit Union

    4.25%APY

    Term
    12 months
    Minimum
    $500
    Earns on $10,000
    $425

    Certificate

  • Top rate

    First Northern Bank and Trust

    4.73%APY

    Term
    24 months
    Minimum
    $5,000
    Earns on $10,000
    $968

    First Northern Bank and Trust rates

  • 2nd-highest rate

    Unity Bank

    4.40%APY

    Term
    18 months
    Minimum
    $1,000
    Earns on $10,000
    $667

    Unity Bank rates

Compare CD rates near you →

First Commonwealth Federal Credit Union CD score

91

CD score

Higher than 92% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo4.00%
  • 9–15 months9–15 mo4.25%
  • 16–30 months16–30 mo4.15%
  • 31–60 months31–60 mo3.75%
  • QualifiedQualified4.25%

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 Commonwealth 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.

Who can join First Commonwealth 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This may be incomplete or out of date, so check with the credit union before you apply.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

  • Persons who live, work, worship, or attend school in designated service areas in parts of Pennsylvania and New Jersey are eligible for membership.

Employers and groups

  • Employees of participating Employer Partners are eligible for membership.

Family and household

  • Immediate family members of an employee of a participating Employer Partner are eligible for membership.
  • Immediate family members of a current member are eligible for membership.
  • Persons living in the same residence of an existing member and maintaining a single economic unit are eligible for membership.

Other ways

  • Consumers who live in Pennsylvania or New Jersey and belong to or join the American Consumer Council (ACC) are eligible for membership.

Cost to join

  • An initial $5 deposit into a savings account is required to establish membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
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