Credit union · NCUA insured
First Community Credit Union Savings Rates
Top CarrotFirst Community Credit Union’s best savings rate is 2.30% APY on $10,000, with its Money Management (Money Market). Rates checked October 16, 2026.
How First Community Credit Union’s savings 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
2.30%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $230
Money Management (Money Market)
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
First Community Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.30%
- $10,000 balance$10,0002.30%
- $100,000 balance$100,0003.05%
- QualifiedQualified2.30%
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 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 Management (Money Market)
2.30%APY
No minimum deposit to open. No monthly maintenance fee. Dividends calculated daily and paid monthly. Unlimited branch withdrawals; up to 6 free withdrawals and transactions per month (all 6 may be checks, $15 fee for more than 6 checks). Account closed if withdrawal limitations exceeded 3 times in a 12-month period. Effective March 2026, members can no longer withdraw or deposit through ATMs for this account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $24,999Compounding and crediting frequency: Monthly. | 2.30% | $230 | Compounding and crediting frequency: Monthly. |
| $25,000 – $49,999Compounding and crediting frequency: Monthly. | 2.90% | — | Compounding and crediting frequency: Monthly. |
| $50,000 and upCompounding and crediting frequency: Monthly. | 3.05% | — | Compounding and crediting frequency: Monthly. |
Sources (2)
- firstcommunity.com/personal/pe…oney-market-account.html
- firstcommunity.com/services-tools/tools/rates.html
All captured Oct 16, 2026
Additional Savings
0.25%APY
Secondary account to save for a special purchase or event while keeping primary savings intact. Zero monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends calculated daily, paid/compounded quarterly. Minimum balance of $100 to earn dividends/obtain APY. APY is anticipated for the quarter.$100 and up | 0.25% | $25 | Dividends calculated daily, paid/compounded quarterly. Minimum balance of $100 to earn dividends/obtain APY. APY is anticipated for the quarter. |
Share Savings
0.25%APY
Establishes membership with First Community Credit Union. Must maintain a minimum balance of $1 to qualify for membership. Zero monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends calculated daily, paid/compounded quarterly. Minimum balance of $100 to earn dividends/obtain APY. APY is anticipated for the quarter.$100 and up | 0.25% | $25 | Dividends calculated daily, paid/compounded quarterly. Minimum balance of $100 to earn dividends/obtain APY. APY is anticipated for the quarter. |
Special-purpose accounts
Health Savings Accounts (HSA)
3.05%APY
Must have a high-deductible health plan (HDHP) to be eligible. No monthly maintenance fee. Rate only available for Health Savings Account contributions. Matches highest tier of Money Management account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upCompounding and crediting monthly. $25 balance to start earning dividends/obtain APY. Rate only available for Health Savings Account contributions.$25 and up | 3.05% | $305 | Compounding and crediting monthly. $25 balance to start earning dividends/obtain APY. Rate only available for Health Savings Account contributions. |
Club Account
0.25%APY
Includes Vacation Club and Christmas Club options. Vacation Club funds automatically disbursed in May; Christmas Club funds automatically disbursed in November to savings account. No penalty for early closeout or partial withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upCompounded and credited quarterly. Minimum balance of $100 to start earning dividends/obtain APY. APY is anticipated for the quarter.$100 and up | 0.25% | $25 | Compounded and credited quarterly. Minimum balance of $100 to start earning dividends/obtain APY. APY is anticipated for the quarter. |
Individual Retirement Accounts (IRA) Savings
0.25%APY
Traditional and Roth IRA options available. Must be a member and primary account holder. No setup fees; no monthly or annual maintenance fees. Annual contribution limit $7,500 as of 2026 with $1,100 catch-up for age 50+.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upCompounded and credited quarterly. Minimum balance of $100 to earn dividends/obtain APY. APY is anticipated for the quarter.$100 and up | 0.25% | $25 | Compounded and credited quarterly. Minimum balance of $100 to earn dividends/obtain APY. APY is anticipated for the quarter. |
Youth Savers
0.25%APY
For young members under 18. Establishes membership with First Community. Includes access to Blues Youth Savings Program, GenNow program, and Report Card Reward Program.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends calculated daily, compounded and credited quarterly. Minimum balance of $25 required to earn dividends/obtain APY. APY is anticipated for the quarter.$25 and up | 0.25% | $25 | Dividends calculated daily, compounded and credited quarterly. Minimum balance of $25 required to earn dividends/obtain APY. APY is anticipated for the quarter. |
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.