Credit union · NCUA insured
First Community Credit Union CD Rates
First Community Credit Union’s best CD rate is 3.85% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How First Community Credit Union’s CD rates compare
Compared with banks and credit unions near Coos Bay, OR, where First Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Community Credit Union
3.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $353
Certificate of Deposit
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Rogue Credit Union
4.00%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $198
First Community Credit Union CD score
64
CD score
Higher than 11% of U.S. banks and credit unions
- 3–8 months3–8 mo1.75%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo1.95%
- 31–60 months31–60 mo1.95%
- QualifiedQualified3.25%
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 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.
Certificate of Deposit
Up to 3.25%APY · 9 terms
Terms range from 3 to 60 months. Minimum opening deposit is $1,000 for account owners age 21 and older, or $100 for account owners under age 21. Interest is compounded and credited monthly. Penalty for early withdrawal applies (90 days of interest for terms under 1 year, 180 days of interest for terms of 1 year or greater). Automatically renews at maturity. All accounts are tiered rate accounts and the APY for that balance range will apply to the full balance of the account.
| Term | APY · Up to $10,000 | APY · $10,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $50,000 and up | APY · $100,000 – $250,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 3 months | 0.02% | 0.02% | 0.02% | 0.02% | — | 0.02% | 0.02% | 0.02%0.02% to $10k0.02% $25k–$50k0.02% $50k–$100k0.02% $100k–$250k0.02% from $250k | $0 |
| 6 months | 1.50% | 1.75% | 2.00% | 2.00% | — | 2.25% | 2.50% | 1.75%1.50% to $10k2.00% $25k–$50k2.00% $50k–$100k2.25% $100k–$250k2.50% from $250k | $87 |
| 12 months | 1.60% | 1.85% | 2.10% | 2.10% | — | 2.35% | 2.60% | 1.85%1.60% to $10k2.10% $25k–$50k2.10% $50k–$100k2.35% $100k–$250k2.60% from $250k | $185 |
| 13 months13 Month Promo Certificate with $25,000 in new money. Depositors qualify by adding $25,000 in new money to funds held at First Community Credit Union to their certificate at opening. New money must be deposited from a source outside First Community and cannot be acquired by taking an early withdrawal penalty on an existing certificate. Automatically renews under the terms of a 1 Year Certificate | — | — | 3.60% | — | — | — | — | —3.60% $25k–$50k | — |
| 13 months13 Month Promo Certificate with $25,000 in new money. Promotional Annual Percentage Yield applies to certificates with $25,000 in new money and a $50,000 minimum balance. New money must be deposited from a source outside First Community Credit Union and cannot be acquired by taking an early withdrawal penalty on an existing certificate. Automatically renews under the terms of a 12 Month (1 Year) Certificate | — | — | — | — | 3.85% | — | — | —3.85% from $50k | — |
| 13 months13 Month Promo Certificate. Applies to 13-month certificates with a $50,000 minimum balance when the $25,000 new money requirement is not met. Automatically renews under the terms of a 12 Month (1 Year) Certificate | — | — | — | — | 3.75% | — | — | —3.75% from $50k | — |
| 13 months13 Month Promo Certificate. Automatically renews under the terms of a 1 Year Certificate | 3.00% | 3.25% | 3.50% | — | — | — | — | 3.25%3.00% to $10k3.50% $25k–$50k | $353 |
| 18 months | 1.70% | 1.95% | 2.20% | 2.20% | — | 2.45% | 2.70% | 1.95%1.70% to $10k2.20% $25k–$50k2.20% $50k–$100k2.45% $100k–$250k2.70% from $250k | $294 |
| 24 months | 1.70% | 1.95% | 2.20% | 2.20% | — | 2.45% | 2.70% | 1.95%1.70% to $10k2.20% $25k–$50k2.20% $50k–$100k2.45% $100k–$250k2.70% from $250k | $394 |
| 36 months | 1.70% | 1.95% | 2.20% | 2.20% | — | 2.45% | 2.70% | 1.95%1.70% to $10k2.20% $25k–$50k2.20% $50k–$100k2.45% $100k–$250k2.70% from $250k | $596 |
| 48 months | 1.70% | 1.95% | 2.20% | 2.20% | — | 2.45% | 2.70% | 1.95%1.70% to $10k2.20% $25k–$50k2.20% $50k–$100k2.45% $100k–$250k2.70% from $250k | $803 |
| 60 months | 1.70% | 1.95% | 2.20% | 2.20% | — | 2.45% | 2.70% | 1.95%1.70% to $10k2.20% $25k–$50k2.20% $50k–$100k2.45% $100k–$250k2.70% from $250k | $1,014 |
Sources (4)
- myfirstccu.org/page/main_home
- myfirstccu.org/page/7_month_certificate
- myfirstccu.org/page/certificates
- myfirstccu.org/page/deposit_rates
All captured Oct 15, 2026
Who can join First Community Credit Union
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