Credit union · NCUA insured
First Credit Union CD Rates
First Credit Union’s best CD rate is 4.40% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How First Credit Union’s CD rates compare
Compared with banks and credit unions near Phoenix, AZ, where First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Credit Union
4.05%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $234
Term Share Certificates
Top rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
2nd-highest rate
AERO Financial
4.50%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $260
First Credit Union CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo3.65%
- QualifiedQualified4.05%
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 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.
Save-to-Win® Certificate
4.40%APY · 1 term
Minimum balance requirement is $25.00 and account holders must maintain a regular share account with a minimum balance of $5.00. Dividends will only accrue on balances up to $3,000.00. Additional deposits are allowed during the term. Allowed one withdrawal during term with a $25 penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends accrue on balances up to $3,000.00 | 4.40% | — |
Sources (3)
- firstcu.net/rates
- firstcu.net/save/savings-accounts/save-to-win
- firstcu.net/wp-content/uploads…9/RateSheet-09.01.26.pdf
All captured Sep 25, 2026
Term Share Certificates
Up to 4.05%APY · 7 terms
A penalty will be imposed for early withdrawal of all term share certificates. Automatically renewable (except Special Certificates which renew to a regular 1-year certificate at current rate). 10-day grace period before and after maturity.
| Term | APY · $500 – $10,000 | APY · $500 and up | APY · $10,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 6 months | 3.70% | — | 3.75% | 3.80% | 3.85% | 3.75%3.70% $500–$10k3.80% $25k–$50k3.85% from $50k | $186 |
| 7 months7 Month Special. Renews to a regular 1-year certificate at the current rate upon maturity | — | 4.05% | — | — | — | 4.05% | $234 |
| 12 months | 3.70% | — | 3.75% | 3.80% | 3.85% | 3.75%3.70% $500–$10k3.80% $25k–$50k3.85% from $50k | $375 |
| 17 months17 Month Special. Renews to a regular 1-year certificate at the current rate upon maturity | — | 4.05% | — | — | — | 4.05% | $579 |
| 24 months | 3.45% | — | 3.50% | 3.55% | 3.60% | 3.50%3.45% $500–$10k3.55% $25k–$50k3.60% from $50k | $712 |
| 36 months | 3.50% | — | 3.55% | 3.60% | 3.65% | 3.55%3.50% $500–$10k3.60% $25k–$50k3.65% from $50k | $1,103 |
| 60 months | 3.60% | — | 3.65% | 3.70% | 3.75% | 3.65%3.60% $500–$10k3.70% $25k–$50k3.75% from $50k | $1,963 |
Sources (3)
- firstcu.net/rates
- firstcu.net/save/certificate-accounts-landing
- firstcu.net/wp-content/uploads…9/RateSheet-09.01.26.pdf
All captured Sep 25, 2026
Special-purpose accounts
IRA, HSA & CESA Term Certificates
Up to 4.05%APY · 6 terms
A penalty will be imposed for early withdrawal of all term share certificates. Includes IRA (Traditional & Roth), HSA, and CESA certificate accounts.
| Term | APY · $500 and up | APY · $500 – $25,000 | APY · $500 – $24,999 | APY · $25,000 – $50,000 | APY · $25,000 – $49,999 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 7 months7 Month Special. Renews to a regular 1-year certificate at current rate upon maturity | 4.05% | — | — | — | — | — | 4.05% | $234 |
| 12 months | — | 3.90% | — | 3.95% | — | 4.00% | 3.90%3.95% $25k–$50k4.00% from $50k | $390 |
| 17 monthsTerm: 17 Month Special | 4.05% | — | — | — | — | — | 4.05% | $579 |
| 24 months | — | 3.65% | — | 3.70% | — | 3.75% | 3.65%3.70% $25k–$50k3.75% from $50k | $743 |
| 36 months | — | 3.70% | — | 3.75% | — | 3.80% | 3.70%3.75% $25k–$50k3.80% from $50k | $1,152 |
| 60 months | — | — | 3.80% | — | 3.86% | 3.90% | 3.80%3.86% $25k–$50k3.90% from $50k | $2,050 |
Sources (2)
All captured Sep 25, 2026
Who can join First Credit Union
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