Credit union · NCUA insured
First Community Credit Union Savings Rates
Top CarrotFirst Community Credit Union’s best savings rate is 0.25% APY, with its Kasasa Saver, with extra requirements. Rates checked October 22, 2026.
How First Community Credit Union’s savings 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
0.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $25
Kasasa Saver
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
2nd-highest rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
First Community Credit Union savings score
62
Savings score
Higher than 6% of U.S. banks and credit unions
- $1,000 balance$1,0000.02%
- $10,000 balance$10,0000.02%
- $100,000 balance$100,0000.02%
- QualifiedQualified0.25%
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.
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.
Kasasa Saver
Up to 0.25%APY
Requires a linked free Kasasa Cash or Kasasa Cash Back checking account. Limit 1 account per SSN.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Qualifying for Kasasa Cash or Kasasa Cash Back rewards automatically qualifies for this tier (at least 12 debit card purchases, enrolled in eStatements, enrolled in/log into online banking during monthly qualification cycle). | 0.25% | $25 | Qualifying for Kasasa Cash or Kasasa Cash Back rewards automatically qualifies for this tier (at least 12 debit card purchases, enrolled in eStatements, enrolled in/log into online banking during monthly qualification cycle). |
| Any balanceBase rate earned on entire balance if monthly qualifications are not met. | 0.02% | $2 | Base rate earned on entire balance if monthly qualifications are not met. |
| $25,000 and upPortion of average daily balance over $25,000 earns 0.15% dividend rate, resulting in a blended APY range from 0.25% to 0.17% (or 0.15%) when qualification requirements are met. | 0.17% | — | Portion of average daily balance over $25,000 earns 0.15% dividend rate, resulting in a blended APY range from 0.25% to 0.17% (or 0.15%) when qualification requirements are met. |
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.