Credit union · NCUA insured
First Credit Union Savings Rates
First Credit Union’s best savings rate is 0.30% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How First Credit Union’s savings 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
0.30%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $30
Money Market
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
Alhambra Credit Union
4.04%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $404
First Credit Union savings score
74
Savings score
Higher than 37% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0001.05%
- QualifiedQualified0.30%
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 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.
Money Market
0.30%APY
$10 monthly maintenance fee is waived when a $1,000 minimum daily account balance is maintained. Limited to 6 withdrawals/transactions per calendar month ($10 fee per excess transaction). Rate applies to entire balance once tier is met.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.20% | — |
| $10,000 – $25,000 | 0.30% | $30 |
| $25,000 – $50,000 | 0.45% | — |
| $50,000 – $100,000 | 0.70% | — |
| $100,000 – $250,000 | 1.05% | — |
| $250,000 and up | 1.40% | — |
Sources (3)
- firstcu.net/rates
- firstcu.net/save/money-market-accounts
- firstcu.net/wp-content/uploads…9/RateSheet-09.01.26.pdf
All captured Sep 25, 2026
Share Savings
0.10%APY
A minimum balance of $5 is required to avoid fees and to earn dividends. Dividends accrue on non-cash deposits on the business day deposited. If closed before credited, accrued dividends are not paid. New members 24 and under receive a complimentary $5 opening deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum amount $5 to earn APY and avoid fees.$5 and up | 0.10% | $10 | Minimum amount $5 to earn APY and avoid fees. |
Sources (4)
All captured Oct 3, 2026
Special-purpose accounts
Coverdell Education Savings Account (CESA) Accumulation Account
1.10%APY
Established in the name of a student for educational expenses. Deposits maximum $2,000/year for child under 18. No monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.10% | $110 |
Health Savings Account (HSA) Accumulation Account
1.10%APY
No monthly fee. One-time setup fee of $25 for each HSA opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceOne-time opening fee of $25.Any balance | 1.10% | $110 | One-time opening fee of $25. |
IRA (Traditional & Roth) Accumulation Account
1.10%APY
Includes Traditional and Roth IRA account options.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.10% | $110 |
Who can join First Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.