Credit union · NCUA insured
First Federal Credit Union. Savings Rates
First Federal Credit Union.’s best savings rate is 0.25% APY on $10,000, with its Personal Money Market. Rates checked October 16, 2026.
How First Federal Credit Union.’s savings rates compare
Compared with banks and credit unions near Cedar Rapids, IA, where First Federal Credit Union. has the most branches. $10,000, best rate first.
This credit union’s best
First Federal Credit Union.
0.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $25
Personal Money Market
Top rate
Collins Community Credit Union
3.05%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $305
2nd-highest rate
Dupaco Community Credit Union
2.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $225
First Federal Credit Union. savings score
88
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.60%
- $100,000 balance$100,0001.60%
- QualifiedQualified1.60%
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 Federal 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.
Fed Up Money Market
1.60%APY on $10,000
No monthly maintenance fee. Compounded monthly. Rate is variable and tied to market changes: if the Federal Reserve increases the Fed Funds Overnight Rate 1/4%, the Fed Up Money Market rate on qualifying balances will change at least 0.10%.
| Part of the balance | Rate on that part |
|---|---|
| Up to $500,000 | 1.60% |
| Over $500,000 | 0.10% |
On $10,000 the tiers blend to about 1.60% APY, earning $160 a year.
Sources (2)
- firstfedcu.com/checking--savings/money-market/fedup
- firstfedcu.com/checking--savings/current-deposit-rates
All captured Oct 16, 2026
Personal Money Market
0.25%APY
No monthly maintenance fee. Compounded rates paid on entire account balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $9,999 | 0.10% | — |
| $10,000 – $24,999 | 0.25% | $25 |
| $25,000 – $499,999 | 0.40% | — |
| $500,000 and up | 0.40% | — |
Sources (2)
All captured Oct 16, 2026
Share Savings
0.05%APY
Account includes Visa Debit Card. Stated rate is paid on the entire account balance. Access to nationwide network of MoneyPass ATMs.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (3)
- firstfedcu.com/checking--savings
- firstfedcu.com/checking--savings/checking--savings
- firstfedcu.com/checking--savings/current-deposit-rates
All captured Oct 5, 2026
Special-purpose accounts
Kids FIRST Savings
0.49%APY on $10,000
No monthly service fees or balance requirements. Stated rate accrues daily and pays monthly. Parents act as joint owner of account with full access. Account earns 5% APY on the first $500 in your account and keeps earning a rate of .25% APY on balances greater than $500.
| Part of the balance | Rate on that part |
|---|---|
| Up to $500 | 5.00% |
| $501 and up | 0.25% |
On $10,000 the tiers blend to about 0.49% APY, earning $49 a year.
Sources (2)
- firstfedcu.com/checking--savings/checking--savings
- firstfedcu.com/checking--savings/current-deposit-rates
All captured Oct 5, 2026
Christmas Club
0.05%APY
Stated rate paid on the entire balance of account. A check is automatically mailed to you in November for holiday shopping. NCUA-insured. Deposit money at any time.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
- firstfedcu.com/checking--savings/checking--savings
- firstfedcu.com/checking--savings/current-deposit-rates
All captured Oct 5, 2026
IRA Savings
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 Avg. Daily Balance$100 and up | 0.05% | $5 | $100 Avg. Daily Balance |
Sources (1)
- firstfedcu.com/checking--savings/current-deposit-rates · captured Oct 5, 2026
Who can join First Federal Credit Union.
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.