Credit union · NCUA insured
First Community Credit Union CD Rates
Top CarrotFirst Community Credit Union’s best CD rate is 4.30% APY on a 27-month share certificate (CD). Terms run from 7 months to 27 months. Rates checked October 22, 2026.
How First Community Credit Union’s CD rates compare
Compared with banks and credit unions near Fargo, ND-MN, where First Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Community Credit Union
4.30%APY
- Term
- 27 months
- Minimum
- $5,000
- Earns on $10,000
- $994
Certificates of Deposit (27 Month)
Top rate
Magnifi Financial
4.50%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,163
2nd-highest rate
Midwest Bank
4.50%APY
- Term
- 54 months
- Minimum
- $500
- Earns on $10,000
- $2,191
First Community Credit Union CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.30%
- QualifiedQualified4.30%
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 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 (27 Month)
4.30%APY · 1 term
Not available for public funds. During the term, account holders may exercise: (1) one additional deposit of at least $5,000, not to exceed initial deposit; (2) one-time rate increase during term; and (3) one penalty-free withdrawal of up to 50% of account balance provided $5,000 minimum balance is maintained. Early withdrawals subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 27 monthsDividends compound quarterly. Bump up to a higher rate one time during term. Add money once during term ($5,000 minimum and cannot exceed initial deposit). Penalty-free withdrawal of up to half your balance once per term (must maintain $5,000 minimum). Not available for public funds. Early withdrawals subject to penalty | 4.30% | $994 |
Sources (1)
- myfccu.com/checking-savings/pe…ates-of-deposit-cds.html · captured Oct 22, 2026
Certificates of Deposit
Up to 4.15%APY · 2 terms
Early withdrawals subject to penalty. No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsLimited-time offer. Dividends compound at maturity for CDs with 12-month terms or less. Not available for funds. Penalty for early withdrawal. No setup or maintenance fees | 4.00% | $231 |
| 15 monthsLimited-time offer. Dividends compound quarterly for CDs with terms greater than 12 months. Not available for funds. Penalty for early withdrawal. No setup or maintenance fees | 4.15% | $521 |
Sources (1)
- myfccu.com/checking-savings/pe…ates-of-deposit-cds.html · captured Oct 22, 2026
Special-purpose accounts
MyFirst Investment
4.50%APY · 1 term
For youth ages 0-17. One per child/member (per SSN). Minimum deposit $250; maximum balance $10,000. Additional deposits of $250 or more allowed. CD maturity is tied to the child's birthday and automatically renews until age 18. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFor ages 0-17. 12-Month CD. One (1) MyFirst Investment (CD) per child/member (per SSN). Additional deposits of $250 or more allowed. CD maturity is tied to the child's birthday and automatically renews until age 18. Early withdrawal penalty may apply | 4.50% | $450 |
Sources (1)
- myfccu.com/checking-savings/youth-accounts.html · captured Oct 22, 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
- Persons who reside within a 75-mile radius of Jamestown, Devils Lake, Page or Portland, ND are eligible for membership.
- Persons who reside within a 50-mile radius of Valley City, Oakes, Napoleon, Steele, Bismarck, Wahpeton, and Wishek, ND are eligible for membership.
- Persons who reside within a 40-mile radius of Bisbee and Larimore, ND are eligible for membership.
- Persons who reside in Marshall County, MN are eligible for membership.
- Persons who reside in Kittson County, MN to the extent Kittson County falls within a 75-mile radius of 2315 North Acres Dr., Crookston, MN are eligible for membership.
Family and household
- Immediate family of an existing member, even if outside the geographic boundary, may join.
Cost to join
- Opening an account requires an initial deposit of $5.
Membership information collected October 4, 2026.