First Service Federal Credit Union Savings & Money Market Rates

How First Service Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Columbus, OH, where First Service Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
First Service Federal Credit Union
2.83%APY
Minimum
$2,500
Earns on $10,000 a year
$283
Money Market
Top rate
CFBank
4.25%APY
Minimum
—
Earns on $10,000 a year
$425
CFBank rates
2nd-highest rate
Northwest Bank
4.00%APY
Minimum
$1
Earns on $10,000 a year
$400
Northwest Bank rates

Compare savings rates near you →

89

Savings score

Higher than 90% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.80%
$10,000 balance$10,0002.83%
$100,000 balance$100,0003.04%
QualifiedQualified2.83%

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.

How the score works →

Where First Service 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.

Super Share

3.04%APY$25,000 to open

Super Share Savings dividends are credited monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$25,000 and up	3.04%	—

Sources (1)

firstcu.com/personal/account-services/view-share-rates · captured Oct 6, 2026

Money Market

2.83%APY

Minimum balance to earn dividend is $2,500. A $5.00 minimum balance fee applies if the balance falls below $2,500. Dividends are credited monthly.

Earnings on $10,000 over a year.
Balance	APY	Minimum	Earns on $10,000 a yearEarns	Requirement
$2,500 – $9,999Minimum balance to open and earn dividends is $2,500. A $5.00 fee applies in any month the balance falls below $2,500. Dividends credited monthly. · $2,500 to open	2.22%	$2,500	—	Minimum balance to open and earn dividends is $2,500. A $5.00 fee applies in any month the balance falls below $2,500. Dividends credited monthly.
$10,000 and upAccount automatically steps up to higher rate with balances of $10,000 or greater. A $5.00 fee applies in any month the balance falls below $2,500. Dividends credited monthly. · $10,000 to open	2.83%	$10,000	$283	Account automatically steps up to higher rate with balances of $10,000 or greater. A $5.00 fee applies in any month the balance falls below $2,500. Dividends credited monthly.

Sources (2)

All captured Oct 6, 2026

Save to Win

0.80%APY$25 to open

Prize-linked savings account. Must be at least 18 years old and maintain regular membership Share Savings Account in good standing. Officers, directors, employees and immediate family/household members ineligible for drawings. Each $25 deposit earns entry into monthly and quarterly drawings (up to 100 entries/month).

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25 and upDividends credited quarterly. Each $25 deposit earns entry into drawings (up to 100 entries/month). Must be 18+ and maintain regular share savings.$25 and up	0.80%	$80	Dividends credited quarterly. Each $25 deposit earns entry into drawings (up to 100 entries/month). Must be 18+ and maintain regular share savings.

Sources (2)

All captured Oct 6, 2026

Regular Share Savings

0.15%APY$5 to open

Membership account. After 6 months, subject to $5.00/month fee if balance is below $250.00 and no other relationship exists (checking, loan, direct deposit, or e-Statements). Dividends credited quarterly on balances greater than $5.00.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upDividends paid quarterly based on daily balance. Account subject to $5.00 monthly fee if balance falls below $250 after 6 months without qualifying relationship.$5 and up	0.15%	$15	Dividends paid quarterly based on daily balance. Account subject to $5.00 monthly fee if balance falls below $250 after 6 months without qualifying relationship.

Sources (2)

All captured Oct 6, 2026

Special-purpose accounts

Dollar Dog Savings Club (youth)

0.15%APYKids and teens$5 to open

Youth savings account. Dividends credited quarterly. Minimum balance to earn dividend is $50.00.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and upMinimum balance to earn dividend is $50.00. Dividends credited quarterly.$50 and up	0.15%	$15	Minimum balance to earn dividend is $50.00. Dividends credited quarterly.

Sources (1)

firstcu.com/personal/account-services/view-share-rates · captured Oct 6, 2026

Holiday Saver

0.15%APYClub$5 to open

Balance automatically transferred to checking account in mid-October. Transfers out are not available. Dividends credited quarterly. Minimum balance to earn dividend is $50.00.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and upMinimum balance to earn dividend is $50.00. Dividends credited quarterly. Balance automatically transfers to checking in mid-October.$50 and up	0.15%	$15	Minimum balance to earn dividend is $50.00. Dividends credited quarterly. Balance automatically transfers to checking in mid-October.

Sources (2)

All captured Oct 6, 2026

IRA Share Account

0.15%APYIRA$50 to open

IRA Share Account. Traditional and Roth IRA wrappers. $10 annual fee charged on IRAs with balance less than $2,500 at the end of each year. Dividends credited quarterly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and up$10 annual fee charged if balance is less than $2,500 at the end of each year. Dividends credited quarterly.$50 and up	0.15%	$15	$10 annual fee charged if balance is less than $2,500 at the end of each year. Dividends credited quarterly.

Sources (2)

All captured Oct 6, 2026

Who can join First Service Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

First Service is open to everyone who lives, works, worships or attends school in Franklin, Delaware, Fairfield, Licking, Madison, Morrow, Pickaway, or Union County.

Cost to join

You can open your account with as little as $5.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

How First Service Federal Credit Union’s savings rates compare

First Service Federal Credit Union savings score

Current savings rates

Super Share

Money Market

Save to Win

Regular Share Savings

Special-purpose accounts

Dollar Dog Savings Club (youth)

Holiday Saver

IRA Share Account

Who can join First Service Federal Credit Union

Where you live or work

Cost to join