Credit union · NCUA insured
First Community Credit Union Savings Rates
First Community Credit Union’s best savings rate is 0.90% APY on $10,000, with its Prosper Max Money Market (Insured). Rates checked October 16, 2026.
How First Community Credit Union’s savings 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
1.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $150
Piggy Bank Savings
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
First Community Credit Union savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0000.90%
- $10,000 balance$10,0000.90%
- $100,000 balance$100,0002.35%
- QualifiedQualified1.50%
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 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.
Prosper Max Money Market (Insured)
0.90%APY
Deposits insured up to $2 million through NCUA basic federal coverage ($250,000) plus Excess Share Insurance Corporation (ESI) (additional $1,750,000). Up to 6 fee-free withdrawals per month, $5.00 per excessive withdrawal thereafter.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000Minimum balance to earn APY: $1,000.00 - $24,999.99 | 0.90% | $90 | Minimum balance to earn APY: $1,000.00 - $24,999.99 |
| $25,000 – $50,000Minimum balance to earn APY: $25,000.00 - $49,999.99 | 1.30% | — | Minimum balance to earn APY: $25,000.00 - $49,999.99 |
| $50,000 – $100,000Minimum balance to earn APY: $50,000.00 - $99,999.99 | 2.00% | — | Minimum balance to earn APY: $50,000.00 - $99,999.99 |
| $100,000 – $250,000Minimum balance to earn APY: $100,000.00 - $249,999.99 | 2.35% | — | Minimum balance to earn APY: $100,000.00 - $249,999.99 |
| $250,000 – $1,000,000Minimum balance to earn APY: $250,000.00 - $999,999.99 | 2.65% | — | Minimum balance to earn APY: $250,000.00 - $999,999.99 |
| $1,000,000 and upMinimum balance to earn APY: $1,000,000.00 & Greater | 2.85% | — | Minimum balance to earn APY: $1,000,000.00 & Greater |
Prosper Money Market
0.90%APY
Tiered dividend rates reward higher balances. Up to 6 fee-free withdrawals per month, $3.00 per excessive withdrawal thereafter.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000Minimum balance to earn APY: $1,000.00 - $24,999.99 | 0.90% | $90 | Minimum balance to earn APY: $1,000.00 - $24,999.99 |
| $25,000 – $50,000Minimum balance to earn APY: $25,000.00 - $49,999.99 | 1.30% | — | Minimum balance to earn APY: $25,000.00 - $49,999.99 |
| $50,000 – $100,000Minimum balance to earn APY: $50,000.00 - $99,999.99 | 2.00% | — | Minimum balance to earn APY: $50,000.00 - $99,999.99 |
| $100,000 – $250,000Minimum balance to earn APY: $100,000.00 - $249,999.99 | 2.35% | — | Minimum balance to earn APY: $100,000.00 - $249,999.99 |
| $250,000 – $1,000,000Minimum balance to earn APY: $250,000.00 - $999,999.99 | 2.65% | — | Minimum balance to earn APY: $250,000.00 - $999,999.99 |
| $1,000,000 and upMinimum balance to earn APY: $1,000,000.00 & Greater | 2.85% | — | Minimum balance to earn APY: $1,000,000.00 & Greater |
Piggy Bank Savings
1.50%APY
Available with any FirstCCU Checking Account. No minimum balance required to earn APY. Excessive withdrawal fee of $3.00 per withdrawal after 1 free per year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust have a FirstCCU Checking Account.Any balance | 1.50% | $150 | Must have a FirstCCU Checking Account. |
Sources (3)
- firstccu.com/about-us/rates
- firstccu.com/media/upfgzbal/5-…hare-rate-sheet_crv1.pdf
- firstccu.com/media/mrvph5lj/ra…-and-charges-oct2025.pdf
All captured Oct 16, 2026
Advantage Money Market
0.37%APY
Tiered dividend rates reward higher balances. Up to 6 fee-free withdrawals per month, $3.00 per excessive withdrawal thereafter.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Minimum balance to earn APY: Less than $10,000 | 0.32% | — | Minimum balance to earn APY: Less than $10,000 |
| $10,000 – $49,999Minimum balance to earn APY: $10,000 - $49,999 | 0.37% | $37 | Minimum balance to earn APY: $10,000 - $49,999 |
| $50,000 – $99,999Minimum balance to earn APY: $50,000 - $99,999 | 0.47% | — | Minimum balance to earn APY: $50,000 - $99,999 |
| $100,000 – $249,999Minimum balance to earn APY: $100,000 - $249,999 | 0.52% | — | Minimum balance to earn APY: $100,000 - $249,999 |
| $250,000 and upMinimum balance to earn APY: $250,000+ | 0.57% | — | Minimum balance to earn APY: $250,000+ |
Regular & Special Savings
0.05%APY
Monthly statement fee is $2.50, waived with eStatements, aggregate share balances over $200.00, a checking account, loan, or credit card. Minimum balance of $250 required to earn dividends. Minimum opening deposit is $5.00. Excessive withdrawal fee of $3.00 per withdrawal applies after 6 free per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 and up | 0.05% | $5 |
Special-purpose accounts
Youth Savings Account
0.05%APY
Available for youth/children up to 21 years old. $5 minimum deposit to open. No monthly fees. Tiered rates apply based on balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Applies to balances up to $9,999.99. | 0.50% | — | Applies to balances up to $9,999.99. |
| $10,000 and upApplies to balances of $10,000.00 & greater. | 0.05% | $5 | Applies to balances of $10,000.00 & greater. |
Holiday & Vacation Club
0.05%APY
Minimum balance of $250 required to earn APY. Excessive withdrawal fee of $3.00 per withdrawal applies after 6 free per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 and up | 0.05% | $5 |
Sources (3)
- firstccu.com/about-us/rates
- firstccu.com/media/upfgzbal/5-…hare-rate-sheet_crv1.pdf
- firstccu.com/media/mrvph5lj/ra…-and-charges-oct2025.pdf
All captured Oct 16, 2026
IRA Passbook
0.05%APY
Available as Traditional or Roth IRA. Minimum balance of $2,000 required to earn APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 and up | 0.05% | $5 |
Who can join First Community Credit Union
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