Credit union · NCUA insured
First Commonwealth Federal Credit Union Savings Rates
First Commonwealth Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market. Rates checked October 17, 2026.
How First Commonwealth Federal Credit Union’s savings 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
0.50%APY
- Requires
- None
- Earns on $10,000 a year
- $50
Money Market
Top rate
Univest
3.75%APY
- Requires
- None
- Earns on $10,000 a year
- $375
2nd-highest rate
United Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $300
First Commonwealth Federal Credit Union savings score
80
Savings score
Higher than 51% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.50%
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 Commonwealth 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.
Money Market
0.50%APY
Credit union membership required. Tiered balances earn tiered rates. Dividend rates and APYs are variable and may change after the account is opened. Certain restrictions may apply. Fees and other conditions may reduce earnings on these account(s).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000 | 0.50% | — | |
| $10,000 – $25,000 | 0.50% | $50 | |
| $25,000 – $50,000 | 0.50% | — | |
| $50,000 – $100,000 | 1.00% | — | |
| $100,000 – $250,000 | 1.00% | — | |
| $250,000 – $500,000 | 1.00% | — | |
| $500,000 – $1,000,000 | 1.00% | — | |
| $1,000,000 and upBalance greater than $1,000,000. | 1.00% | — | Balance greater than $1,000,000. |
Sources (1)
- firstcomcu.org/rates/savings.html · captured Oct 6, 2026
Savings
0.01%APY
Credit union membership required. $5 in share account is required to establish membership. Savings rates are variable and may change after the account is opened.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.01% | $1 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Money Market IRA
0.50%APY
Credit union membership required. Tiered balances earn tiered rates. Dividend rates and APYs are variable and may change after the account is opened. Certain restrictions may apply. Fees and other conditions may reduce earnings on these account(s).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000 | 0.50% | — | |
| $10,000 – $25,000 | 0.50% | $50 | |
| $25,000 – $50,000 | 0.50% | — | |
| $50,000 – $100,000 | 1.00% | — | |
| $100,000 – $250,000 | 1.00% | — | |
| $250,000 – $500,000 | 1.00% | — | |
| $500,000 – $1,000,000 | 1.00% | — | |
| $1,000,000 and upBalance greater than $1,000,000. | 1.00% | — | Balance greater than $1,000,000. |
Sources (1)
- firstcomcu.org/rates/savings.html · captured Oct 6, 2026
Youth Money Market
0.50%APY
Credit union membership required. Tiered balances earn tiered rates. Dividend rates and APYs are variable and may change after the account is opened. Certain restrictions may apply. Fees and other conditions may reduce earnings on these account(s).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000 | 0.50% | — | |
| $10,000 – $25,000 | 0.50% | $50 | |
| $25,000 – $50,000 | 0.50% | — | |
| $50,000 – $100,000 | 1.00% | — | |
| $100,000 – $250,000 | 1.00% | — | |
| $250,000 – $500,000 | 1.00% | — | |
| $500,000 – $1,000,000 | 1.00% | — | |
| $1,000,000 and upBalance greater than $1,000,000. | 1.00% | — | Balance greater than $1,000,000. |
Sources (1)
- firstcomcu.org/rates/savings.html · captured Oct 6, 2026
Health Savings
0.02%APY
Requires high-deductible health insurance plan. Contributions are tax-deductible; earnings are tax-deferred; distributions are tax-free when used for qualified medical expenses. Credit union membership required. Savings rates are variable. Includes free Visa debit card.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,500 | 0.01% | — |
| $1,500 – $10,000 | 0.01% | — |
| $10,000 and up | 0.02% | $2 |
Club Account
0.01%APY
The entire balance of the Club account will be automatically transferred to the member's Savings account after the 12-month club period established by the member at account opening. The account remains open for subsequent periods. One withdrawal per club period is free; a second withdrawal incurs a fee and closes the account (no fee if within 7 days of opening).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (2)
All captured Oct 6, 2026
IRA Savings
0.01%APY
Retirement account (Traditional, Roth, or Education IRA). Dividend earnings are tax-deferred or tax-free depending on type. Credit union membership required. Savings rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
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.