Credit union · NCUA insured
First Pace CU Savings Rates
First Pace CU’s best savings rate is 0.45% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How First Pace CU’s savings rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where First Pace CU has the most branches. $10,000, best rate first.
This credit union’s best
First Pace CU
0.45%APY
- Minimum
- —
- Earns on $10,000 a year
- $45
Money Market Account
Top rate
VisionBank
3.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
First Pace CU savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.45%
- QualifiedQualified0.45%
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 Pace CU 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 Account
0.45%APY
All accrued earnings are forfeited if a dividend earning account is closed before the end of the quarter. Rates subject to change.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 and upAssumes dividends will remain in the account.$10,000 and up | 0.45% | $45 | Assumes dividends will remain in the account. |
Share Account
0.10%APY
Must meet minimum $100 balance to earn dividends (paid quarterly). $10 minimum deposit to open and retain membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upIf minimum of $100 balance is met. Dividends paid quarterly.$1 and up | 0.10% | $10 | If minimum of $100 balance is met. Dividends paid quarterly. |
Special-purpose accounts
Christmas Club Account
2.00%APY
No minimum balance with regular deposits made all year long. Annual dividend paid and funds disbursed 1st week in October. No withdrawals allowed unless closing account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend declared to be paid on 10/1/2025. No withdrawals allowed unless closing account.Any balance | 2.00% | $200 | Dividend declared to be paid on 10/1/2025. No withdrawals allowed unless closing account. |
Youth Share Savings Account
0.25%APY
For members 17 and under.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor members 17 and under.Any balance | 0.25% | $25 | For members 17 and under. |
Club/Vacation Savings Account
0.10%APY
$1 minimum balance. $100 minimum to earn dividends (paid quarterly). Automatic transfers available from savings or checking.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upIf minimum of $100 balance is met. Dividends paid quarterly.$1 and up | 0.10% | $10 | If minimum of $100 balance is met. Dividends paid quarterly. |
Who can join First Pace CU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- USW Union members living or working in Minnesota or Wisconsin are eligible for membership.
Family and household
- Any relatives of a joined member are eligible for membership for life.
Cost to join
- A minimum deposit of $10 into a share savings account is required upon completing a membership application.
Membership information collected October 4, 2026.