First Community Credit Union Savings & Money Market Rates

How First Community Credit Union’s savings 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
0.10%APY
Minimum
$100
Earns on $10,000 a year
$10
IRA Savings
Top rate
Heritage Hub Federal Credit Union
5.13%APY
Minimum
—
Earns on $10,000 a year
$513
Heritage Hub Federal Credit Union rates
2nd-highest rate
Nizari Credit Union
4.00%APY
Minimum
—
Earns on $10,000 a year
$400
Nizari Credit Union rates

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Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

First Money Market Fund

Up to 2.25%APY$25,000 to open

Minimum $25,000 daily balance required to avoid service fees and earn dividends. Dividends compounded daily and credited monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$25,000 – $100,000Monthly fee of $25 applies if balance falls below $25,000. Minimum balance to earn is $25,000.	1.10%	—	Monthly fee of $25 applies if balance falls below $25,000. Minimum balance to earn is $25,000.
$100,000 – $200,000Monthly fee of $25 applies if balance falls below $25,000. Minimum balance to earn is $25,000.	1.35%	—	Monthly fee of $25 applies if balance falls below $25,000. Minimum balance to earn is $25,000.
$200,000 – $500,000Monthly fee of $25 applies if balance falls below $25,000. Minimum balance to earn is $25,000.	1.50%	—	Monthly fee of $25 applies if balance falls below $25,000. Minimum balance to earn is $25,000.
$500,000 – $1,000,000Monthly fee of $25 applies if balance falls below $25,000. Minimum balance to earn is $25,000.	2.00%	—	Monthly fee of $25 applies if balance falls below $25,000. Minimum balance to earn is $25,000.
$1,000,000 and upMonthly fee of $25 applies if balance falls below $25,000. Minimum balance to earn is $25,000.	2.25%	—	Monthly fee of $25 applies if balance falls below $25,000. Minimum balance to earn is $25,000.

Sources (2)

All captured Sep 25, 2026

Special-purpose accounts

IRA Savings

0.10%APYIRA$100 to open

Dividends are earned on the daily balance and paid quarterly. Membership is open to individuals living, working, attending school, or worshiping in served Texas counties, employees of Select Employee Groups, or relatives of members/employees.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $25,000Minimum balance to earn dividends is $100.00.	0.10%	$10	Minimum balance to earn dividends is $100.00.
$25,000 – $50,000	0.20%	—
$50,000 and up	0.30%	—

Sources (1)

fccu.org/rates/saving-rates · captured Sep 17, 2026

Level Up

0.10%APYKids and teens$5 to open

Designed for teens ages 13 to 17. Must be opened in branch by a parent or legal guardian. Dividends earned on daily balance and paid quarterly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000Minimum balance to earn dividends is $5.00.	0.10%	$10	Minimum balance to earn dividends is $5.00.
$25,000 – $50,000	0.20%	—
$50,000 and up	0.30%	—

Sources (3)

All captured Sep 17, 2026

Red Rangers

0.10%APYKids and teens$5 to open

Designed for children up to age 12 (newborns to pre-teens). Must be opened in person by a parent or legal guardian. Dividends earned on daily balance and paid quarterly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000Minimum balance to earn dividends is $5.00.	0.10%	$10	Minimum balance to earn dividends is $5.00.
$25,000 – $50,000	0.20%	—
$50,000 and up	0.30%	—

Sources (3)

All captured Sep 17, 2026

Regular & Club Savings

0.10%APYClub$5 to open

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $25,000Minimum balance to earn dividends is $100.00.	0.10%	$10	Minimum balance to earn dividends is $100.00.
$25,000 – $50,000	0.20%	—
$50,000 and up	0.30%	—

Sources (1)

fccu.org/rates/saving-rates · captured Sep 17, 2026

U First

0.10%APYKids and teens$5 to open

Designed for young adults ages 18 to 25. Can be opened online. Dividends earned on daily balance and paid quarterly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000Minimum balance to earn dividends is $5.00.	0.10%	$10	Minimum balance to earn dividends is $5.00.
$25,000 – $50,000	0.20%	—
$50,000 and up	0.30%	—

Sources (3)

All captured Sep 17, 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

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.

Check membership requirements ↗Branches and institution details

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