Credit union · NCUA insured
First Community Credit Union CD Rates
Top CarrotFirst Community Credit Union’s best CD rate is 4.50% APY on a 3-year share certificate (CD). Terms run from 3 months to 7 years. Rates checked October 16, 2026.
How First Community Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where First Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Community Credit Union
4.50%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,412
Regular Certificate of Deposit
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
First Community Credit Union CD score
92
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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.
Regular Certificate of Deposit
Up to 4.50%APY · 10 terms
Minimum opening deposit $500. Membership eligibility applies.
| Term | APY · Up to $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsFor balances < $100K | 4.00% | — | 4.00% | $99 |
| 3 monthsFor balances > $100K | — | 4.05% | —4.05% from $100k | — |
| 6 monthsFor balances < $100K | 3.60% | — | 3.60% | $178 |
| 6 monthsFor balances > $100K | — | 3.65% | —3.65% from $100k | — |
| 9 monthsFor balances < $100K | 3.75% | — | 3.75% | $280 |
| 9 monthsFor balances > $100K | — | 3.80% | —3.80% from $100k | — |
| 12 monthsFor balances < $100K | 3.90% | — | 3.90% | $390 |
| 12 monthsFor balances > $100K | — | 3.95% | —3.95% from $100k | — |
| 18 monthsFor balances < $100K | 4.05% | — | 4.05% | $614 |
| 18 monthsFor balances > $100K | — | 4.10% | —4.10% from $100k | — |
| 24 monthsFor balances < $100K | 4.15% | — | 4.15% | $847 |
| 24 monthsFor balances > $100K | — | 4.15% | —4.15% from $100k | — |
| 36 monthsFor balances < $100K | 4.50% | — | 4.50% | $1,412 |
| 36 monthsFor balances > $100K | — | 4.50% | —4.50% from $100k | — |
| 48 monthsFor balances < $100K | 4.30% | — | 4.30% | $1,834 |
| 48 monthsFor balances > $100K | — | 4.35% | —4.35% from $100k | — |
| 60 monthsFor balances < $100K | 4.40% | — | 4.40% | $2,402 |
| 60 monthsFor balances > $100K | — | 4.45% | —4.45% from $100k | — |
| 84 monthsFor balances < $100K | 4.00% | — | 4.00% | $3,159 |
| 84 monthsFor balances > $100K | — | 4.00% | —4.00% from $100k | — |
Sources (1)
- fccu.org/cds · captured Oct 16, 2026
5 Year Flex Access CD
2.80%APY · 1 term
Allows up to a 20% withdrawal of the original CD principal balance, less any previously withdrawn funds, one time each year of the term without penalty. Amounts over maximum allowable may be subject to early withdrawal penalties. Interest compounded daily and credited monthly. Minimum opening deposit $500. Membership eligibility applies.
| Term | APY · Up to $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 60 monthsFor balances < $100K. Up to 20% penalty-free withdrawal once per year | 2.80% | — | 2.80% | $1,481 |
| 60 monthsFor balances > $100K. Up to 20% penalty-free withdrawal once per year | — | 2.85% | —2.85% from $100k | — |
Sources (1)
- fccu.org/cds · captured Oct 16, 2026
Flex CD
Up to 2.70%APY · 2 terms
Regular only. APY assumes dividends remain in the account until maturity. All accounts must remain open through the maturity date to be paid the accrued interest. Interest on certificates compounded daily and credited monthly. Interest rates and APY are subject to change monthly without notice at the discretion of the Board of Directors. A penalty may be imposed for early withdrawal. Minimum opening deposit $500. Membership: lives, works, attends school or worships in Texas counties served, Select Employee Group employees, or relatives/family members of members/employees.
| Term | APY · Up to $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 24 months2 Year Flex CD rate tier <100K balance. Allows one rate increase per term | 2.70% | — | 2.70% | $547 |
| 24 months2 Year Flex CD rate tier >100K balance. Allows one rate increase per term | — | 2.75% | —2.75% from $100k | — |
| 48 months4 Year Flex CD rate tier <100K balance. Allows two rate increases per term | 2.65% | — | 2.65% | $1,103 |
| 48 months4 Year Flex CD rate tier >100K balance. Allows two rate increases per term | — | 2.70% | —2.70% from $100k | — |
Sources (1)
- fccu.org/cds · captured Oct 16, 2026
CD Builder Account
2.70%APY · 1 term
APY assumes dividends remain in the account until maturity. All accounts must remain open through the maturity date to be paid the accrued interest. Interest on certificates compounded daily and credited monthly. Interest rates and APY are subject to change monthly without notice at the discretion of the Board of Directors. A penalty may be imposed for early withdrawal. Minimum opening deposit $100 with DD/PR or $500. Maximum initial deposit $1,000. Membership: lives, works, attends school or worships in Texas counties served, Select Employee Group employees, or relatives/family members of members/employees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months2 Year Builder CD rate | 2.70% | $547 |
Sources (1)
- fccu.org/cds · captured Oct 16, 2026
Special-purpose accounts
IRA / SEP / Coverdell Certificate of Deposit
Up to 4.50%APY · 10 terms
Available for Traditional IRA, Roth IRA, SEP, and Coverdell ESA. Minimum opening deposit $500. Membership eligibility applies.
| Term | APY · Up to $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsFor balances < $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | 4.00% | — | 4.00% | $99 |
| 3 monthsFor balances > $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | — | 4.05% | —4.05% from $100k | — |
| 6 monthsFor balances < $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | 3.60% | — | 3.60% | $178 |
| 6 monthsFor balances > $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | — | 3.65% | —3.65% from $100k | — |
| 9 monthsFor balances < $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | 3.75% | — | 3.75% | $280 |
| 9 monthsFor balances > $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | — | 3.80% | —3.80% from $100k | — |
| 12 monthsFor balances < $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | 3.90% | — | 3.90% | $390 |
| 12 monthsFor balances > $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | — | 3.95% | —3.95% from $100k | — |
| 18 monthsFor balances < $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | 4.05% | — | 4.05% | $614 |
| 18 monthsFor balances > $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | — | 4.10% | —4.10% from $100k | — |
| 24 monthsFor balances < $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | 4.15% | — | 4.15% | $847 |
| 24 monthsFor balances > $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | — | 4.15% | —4.15% from $100k | — |
| 36 monthsFor balances < $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | 4.50% | — | 4.50% | $1,412 |
| 36 monthsFor balances > $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | — | 4.50% | —4.50% from $100k | — |
| 48 monthsFor balances < $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | 4.30% | — | 4.30% | $1,834 |
| 48 monthsFor balances > $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | — | 4.35% | —4.35% from $100k | — |
| 60 monthsFor balances < $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | 4.40% | — | 4.40% | $2,402 |
| 60 monthsFor balances > $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | — | 4.45% | —4.45% from $100k | — |
| 84 monthsFor balances < $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | 4.00% | — | 4.00% | $3,159 |
| 84 monthsFor balances > $100K. Applies to Traditional IRA, Roth IRA, SEP & Coverdell | — | 4.00% | —4.00% from $100k | — |
Sources (1)
- fccu.org/cds · captured Oct 16, 2026
Youth CD Builder Account
2.80%APY · 1 term
Applies to Ages 0-17 (Ages 17 and Under). APY assumes dividends remain in the account until maturity. All accounts must remain open through the maturity date to be paid the accrued interest. Interest on certificates compounded daily and credited monthly. Interest rates and APY are subject to change monthly without notice at the discretion of the Board of Directors. A penalty may be imposed for early withdrawal. Minimum opening deposit $100 with DD/PR or $500. Maximum deposit $50,000. All youth accounts need to be opened in branch. Membership: lives, works, attends school or worships in Texas counties served, Select Employee Group employees, or relatives/family members of members/employees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 months5 Year Youth CD rate | 2.80% | $1,481 |
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 anyone who lives, works, attends school, or worships in one of the 41 Texas counties served by First Community Credit Union.
Employers and groups
- Membership is open to any person employed by or a member of a Select Employee Group.
Family and household
- Membership is open to any relative or family member of an FCCU member or employee.
Membership information collected October 5, 2026.