Credit union · NCUA insured
First Community Credit Union CD Rates
First Community Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How First Community Credit Union’s CD rates compare
Compared with banks and credit unions near Rockford, IL, where First Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Community Credit Union
4.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $198
Prosper Max Share Certificate
Top rate
Associated Bank
4.40%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $478
2nd-highest rate
Cornerstone Credit Union
4.40%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $899
First Community Credit Union CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo0.85%
- 31–60 months31–60 mo1.06%
- QualifiedQualified4.00%
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.
Prosper Max Share Certificate
4.00%APY · 2 terms
Minimum balance to open and obtain APY is $1,000 ($2,000 for IRAs).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 9 months | 4.00% | $299 |
Sources (1)
- firstccu.com/media/mrvph5lj/ra…-and-charges-oct2025.pdf · captured Oct 5, 2026
Share Certificates
Up to 1.06%APY · 7 terms
Membership eligibility required. Penalty will be assessed for early withdrawal. Minimum balance to open and obtain the advertised APY is $1,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.55% | $27 |
| 9 months | 0.65% | $49 |
| 12 months | 0.75% | $75 |
| 18 months | 0.80% | $120 |
| 24 months | 0.85% | $171 |
| 36 months | 0.95% | $288 |
| 48 months | 1.06% | $431 |
Sources (3)
- firstccu.com/about-us/rates
- firstccu.com/accounts/share-certificates
- firstccu.com/media/mrvph5lj/ra…-and-charges-oct2025.pdf
All captured Oct 5, 2026
Dream Seeker Share Certificate
1.01%APY · 1 term
Minimum balance to open and obtain APY is $25.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.01% | $101 |
Sources (3)
- firstccu.com/about-us/rates
- firstccu.com/accounts/share-certificates
- firstccu.com/media/mrvph5lj/ra…-and-charges-oct2025.pdf
All captured Oct 5, 2026
Special-purpose accounts
Special Share Certificate
4.25%APY · 3 terms
New Money Only. Insured up to $2,000,000. Minimum balance to open and obtain APY is $1,000 ($2,000 for IRAs).
| Term | APY · $1,000 and up | APY · $2,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsIRA; New Money Only | — | 4.25% | 4.25% | $210 |
| 6 monthsNew Money Only | 4.25% | — | 4.25% | $210 |
| 9 monthsIRA; New Money Only | — | 4.25% | 4.25% | $317 |
| 9 monthsNew Money Only | 4.25% | — | 4.25% | $317 |
| 12 monthsIRA; New Money Only | — | 4.25% | 4.25% | $425 |
| 12 monthsNew Money Only | 4.25% | — | 4.25% | $425 |
Sources (3)
- firstccu.com/about-us/rates
- firstccu.com/accounts/share-certificates
- firstccu.com/media/mrvph5lj/ra…-and-charges-oct2025.pdf
All captured Oct 5, 2026
IRA Share Certificates
Up to 1.06%APY · 7 terms
Membership eligibility required. Penalty will be assessed for early withdrawal. Minimum balance to open and obtain the advertised APY is $2,000 for IRAs. Roth and Traditional IRA accounts are available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.55% | $27 |
| 9 months | 0.65% | $49 |
| 12 months | 0.75% | $75 |
| 18 months | 0.80% | $120 |
| 24 months | 0.85% | $171 |
| 36 months | 0.95% | $288 |
| 48 months | 1.06% | $431 |
Sources (3)
- firstccu.com/about-us/rates
- firstccu.com/personal/individual-retirement-accounts-ira
- firstccu.com/media/mrvph5lj/ra…-and-charges-oct2025.pdf
All captured Oct 5, 2026
Who can join First Community Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.