Credit union · NCUA insured
U-1st Community Federal Credit Union Savings Rates
U-1st Community Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Checking Account. Rates checked October 22, 2026.
How U-1st Community Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Carlsbad, NM, where U-1st Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
U-1st Community Federal Credit Union
0.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market Checking Account
Top rate
First National Bank Texas
2.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $200
2nd-highest rate
Artesia Credit Union
0.75%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $75
U-1st Community Federal Credit Union savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
- $1,000 balance$1,0000.00%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.50%
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 U-1st Community 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.
Money Market Checking Account
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.00% | — |
| $2,500 – $20,000 | 0.50% | $50 |
| $20,000 – $75,000 | 0.75% | — |
| $75,000 – $250,000 | 1.00% | — |
| Over $250,000 | 0.00% | — |
Sources (1)
- u1stcommfcu.net/rates/savings-rates · captured Sep 16, 2026
Regular Share Savings Account
0.15%APY
Dividends paid quarterly on entire balance, provided balance is over $1,000.01.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.00% | — |
| $1,000 – $250,000 | 0.15% | $15 |
| Over $250,000 | 0.00% | — |
Sources (2)
All captured Oct 15, 2026
Fresh Start Savings Account
0.00%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upRate applies to average daily balance. | 0.00% | $0 | Rate applies to average daily balance. |
| Over $250,000Rate applies to average daily balance. | 0.00% | — | Rate applies to average daily balance. |
Sources (1)
- u1stcommfcu.net/rates/savings-rates · captured Oct 15, 2026
Special-purpose accounts
Elly the Elephant Kids Account
0.25%APY
Dividends paid quarterly on entire balance, provided balance is over $25.01. $2.50 excessive withdrawal fee after the 4th withdrawal. Statements mailed quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250,000Dividends paid quarterly on entire balance, provided balance is over $25.01. | 0.25% | $25 | Dividends paid quarterly on entire balance, provided balance is over $25.01. |
| Over $250,000Dividends paid quarterly on entire balance, provided balance is over $25.01. | 0.00% | — | Dividends paid quarterly on entire balance, provided balance is over $25.01. |
Sources (2)
All captured Oct 22, 2026
Young Investor Account
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250,000Rate applies to average daily balance. | 0.25% | $25 | Rate applies to average daily balance. |
| Over $250,000Rate applies to average daily balance. | 0.00% | — | Rate applies to average daily balance. |
Sources (1)
- u1stcommfcu.net/rates/savings-rates · captured Oct 22, 2026
Special (Club) Savings Account
0.15%APY
Club types include Christmas, Vacation, Income Tax, Tools, Graduation, Wedding, etc. Dividends paid quarterly on entire balance provided balance is over $1,000.01. Club checks are mailed out according to club type. Withdrawals cannot be made without closing the account and cannot be reopened until the following year if early withdrawals are made.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.00% | — |
| $1,000 – $250,000 | 0.15% | $15 |
| Over $250,000 | 0.00% | — |
Sources (2)
All captured Oct 15, 2026
Who can join U-1st Community 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
- Persons who live, work, worship, or attend school in, and businesses and other legal entities located in Eddy County, New Mexico.
Family and household
- Spouses of persons who died while within the field of membership of this credit union, employees of this credit union, volunteers in the community, members of their immediate family or household, and organizations of such persons.
Other ways
- Members of the credit union as of January 13, 2000.
Cost to join
- $26.00 required to establish Membership Account.
Membership information collected October 4, 2026.