Credit union · NCUA insured
First U.S. Community Credit Union Savings Rates
First U.S. Community Credit Union’s best savings rate is 0.10% APY on $10,000, with its Dream Savings. Rates checked October 16, 2026.
How First U.S. Community Credit Union’s savings rates compare
Compared with banks and credit unions near Sacramento, CA, where First U.S. Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First U.S. Community Credit Union
0.10%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $10
Dream Savings
Top rate
SoFi Bank, National Association
4.40%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
First U.S. Community Credit Union savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0004.00%
- $10,000 balance$10,0001.38%
- $100,000 balance$100,0000.21%
- QualifiedQualified1.38%
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 U.S. Community 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.
Smart Start Savings
1.37%APY on $10,000
Limit one account per member. Tiered variable rate. Account may be linked to another First U.S. account for overdraft protection. First $5,000 must be funds new on deposit to First U.S.
| Part of the balance | Rate on that part |
|---|---|
| Up to $2,000 | 3.93% |
| $2,000 – $5,000 | 1.49% |
| $5,000 – $10,000 | 0.25% |
| $10,000 – $50,000 | 0.08% |
| Over $50,000 | 0.08% |
On $10,000 the tiers blend to about 1.37% APY, earning $137 a year.
Dream Savings
0.10%APY
Create unlimited number accounts with custom names. Account may be linked to another First U.S. account for overdraft protection.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $4,999 | 0.05% | — |
| $5,000 – $24,999 | 0.10% | $10 |
| $25,000 – $99,999 | 0.10% | — |
| $100,000 and up | 0.10% | — |
Prime Savings
0.10%APY
Required for First U.S. membership. Account may be linked to another First U.S. account for overdraft protection.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $4,999 | 0.05% | — |
| $5,000 – $24,999 | 0.10% | $10 |
| $25,000 – $99,999 | 0.10% | — |
| $100,000 and up | 0.10% | — |
Special-purpose accounts
Money Market Savings & IRA
0.65%APY
$7.00 monthly fee waived with minimum average daily balance requirement of $2,000. Account may be linked to another First U.S. account for overdraft protection. Variable rates.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $25,000 | 0.65% | $65 |
| $25,000 – $100,000 | 1.65% | — |
| $100,000 – $250,000 | 1.70% | — |
| $250,000 – $500,000 | 1.95% | — |
| $500,000 and up | 2.15% | — |
Smart Start IRA
1.37%APY on $10,000
IRA version of Smart Start Savings. No trustee or administrative fees.
| Part of the balance | Rate on that part |
|---|---|
| Up to $2,000 | 3.93% |
| $2,000 – $5,000 | 1.49% |
| $5,000 – $10,000 | 0.25% |
| $10,000 – $50,000 | 0.08% |
| Over $50,000 | 0.08% |
On $10,000 the tiers blend to about 1.37% APY, earning $137 a year.
Health Savings Account (HSA)
0.10%APY
Must be covered under a qualified High Deductible Health Plan (HDHP) to open an HSA. Includes HSA Visa Debit Card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and upMinimum balance to earn dividends is $300.$300 and up | 0.10% | $10 | Minimum balance to earn dividends is $300. |
IRA Shares
0.10%APY
Available as Traditional IRA or Roth IRA. No trustee or administrative fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.10% | $10 |
Youth Savings
0.05%APY
A parent or legal guardian must be a joint owner on the account. ATM card access provided.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
Who can join First U.S. Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in Sacramento, Placer, Nevada, El Dorado, Amador, Yuba, Yolo, Sutter, San Joaquin, Solano, Sierra, and Contra Costa counties is eligible to join.
Employers and groups
- SAFEWAY employees in Northern California and Northern Nevada are eligible to join.
Military, government and schools
- Federal employees throughout the State of California are eligible to join.
Family and household
- Immediate family or household members of current First U.S. members are eligible to join.
Membership information collected October 5, 2026.