Credit union · NCUA insured
First Community Credit Union CD Rates
Top CarrotFirst Community Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 6 years. Rates checked October 16, 2026.
How First Community Credit Union’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where First Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Community Credit Union
4.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $400
Certificates of Deposit (CDs)
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
First Community Credit Union CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.55%
- QualifiedQualified4.00%
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 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.
Certificates of Deposit (CDs)
Up to 4.00%APY · 9 terms
Federally insured by NCUA. Early withdrawal penalties apply. No setup or maintenance fees. $1 share deposit required; must qualify for membership.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounding and crediting at maturity. Early withdrawal penalties apply | 3.75% | $186 |
| 12 monthsCompounding and crediting at maturity. Early withdrawal penalties apply | 4.00% | $400 |
| 15 monthsCompounding and crediting quarterly. Early withdrawal penalties apply | 3.75% | $471 |
| 18 monthsCompounding and crediting semi-annually. Early withdrawal penalties apply | 3.75% | $568 |
| 24 monthsCompounding and crediting annually. Early withdrawal penalties apply | 3.55% | $723 |
| 36 monthsCompounding and crediting annually. Early withdrawal penalties apply | 3.55% | $1,103 |
| 48 monthsCompounding and crediting annually. Early withdrawal penalties apply | 3.55% | $1,497 |
| 60 monthsCompounding and crediting annually. Early withdrawal penalties apply | 3.50% | $1,877 |
| 72 monthsCompounding and crediting annually. Early withdrawal penalties apply | 2.80% | $1,802 |
Special-purpose accounts
First Star Certificate of Deposit
Up to 4.00%APY · 3 terms
Available to members up to 18 years old with a Youth Savings Account. Must be opened in a branch. Allows additional deposits up to $2,500 throughout the life of the certificate. Early withdrawal penalties apply. Features the same rates as regular certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounding and crediting at maturity. Add funds up to $2,500 throughout the life of the certificate. Must be opened in a branch. Early withdrawal penalties apply | 4.00% | $400 |
| 24 monthsCompounding and crediting annually. Add funds up to $2,500 throughout the life of the certificate. Must be opened in a branch. Early withdrawal penalties apply | 3.55% | $723 |
| 36 monthsCompounding and crediting annually. Add funds up to $2,500 throughout the life of the certificate. Must be opened in a branch. Early withdrawal penalties apply | 3.55% | $1,103 |
Sources (2)
- firstcommunity.com/personal/pe…ates-of-deposit-cds.html
- firstcommunity.com/services-tools/tools/rates.html
All captured Oct 16, 2026
IRA Certificates of Deposit (CDs)
Up to 4.00%APY · 9 terms
Traditional and Roth IRA certificate options. Tax-advantaged retirement savings. Federally insured by NCUA up to $250,000, with an additional $250,000 coverage provided by Excess Share Insurance. No setup fees and no monthly or annual maintenance fees. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounding and crediting at maturity. Early withdrawal penalties apply | 3.75% | $186 |
| 12 monthsCompounding and crediting at maturity. Early withdrawal penalties apply | 4.00% | $400 |
| 15 monthsCompounding and crediting quarterly. Early withdrawal penalties apply | 3.75% | $471 |
| 18 monthsCompounding and crediting semi-annually. Early withdrawal penalties apply | 3.75% | $568 |
| 24 monthsCompounding and crediting annually. Early withdrawal penalties apply | 3.55% | $723 |
| 36 monthsCompounding and crediting annually. Early withdrawal penalties apply | 3.55% | $1,103 |
| 48 monthsCompounding and crediting annually. Early withdrawal penalties apply | 3.55% | $1,497 |
| 60 monthsCompounding and crediting annually. Early withdrawal penalties apply | 3.50% | $1,877 |
| 72 monthsCompounding and crediting annually. Early withdrawal penalties apply | 2.80% | $1,802 |
Sources (2)
- firstcommunity.com/personal/pe…ement-accounts-iras.html
- firstcommunity.com/services-tools/tools/rates.html
All captured Oct 16, 2026
Who can join First 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 businesses, government entities, individuals, household members, and immediate family who reside or work in specified Missouri and Illinois counties.
Employers and groups
- Membership is open to employees and retirees (and their household/immediate family members) of a company or association within the credit union's field of membership.
Family and household
- Immediate family members and household members of eligible individuals qualify for membership.
Membership information collected October 4, 2026.