Credit union · NCUA insured
First County FCU CD Rates
Top CarrotFirst County FCU’s best CD rate is 3.51% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How First County FCU’s CD rates compare
Compared with banks and credit unions near Muncie, IN, where First County FCU has the most branches. $10,000, best rate first.
This credit union’s best
First County FCU
3.51%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,883
Certificates of Deposit
Top rate
Indiana Members Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
First County FCU CD score
74
CD score
Higher than 36% of U.S. banks and credit unions
- 3–8 months3–8 mo2.94%
- 9–15 months9–15 mo3.14%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.51%
- QualifiedQualified3.51%
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 County FCU 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.
Certificates of Deposit
Up to 3.51%APY · 7 terms
Minimum balance of $500. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.94% | $146 |
| 12 months | 3.14% | $314 |
| 18 months | 3.20% | $484 |
| 24 months | 3.25% | $661 |
| 36 months | 3.35% | $1,039 |
| 48 months | 3.40% | $1,431 |
| 60 months | 3.51% | $1,883 |
Sources (1)
- firstcountyfcu.org/checking-an…/certificates-of-deposit · captured Sep 25, 2026
Who can join First County FCU
This may be incomplete or out of date, so check with the credit union before you apply.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 goes to church in Delaware County (or Muncie), Indiana.
Membership information collected October 5, 2026.