Credit union · NCUA insured
Valley 1st Community FCU Savings Rates
Valley 1st Community FCU’s best savings rate is 0.75% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Valley 1st Community FCU’s savings rates compare
Compared with banks and credit unions near Pittsburgh, PA, where Valley 1st Community FCU has the most branches. $10,000, best rate first.
This credit union’s best
Valley 1st Community FCU
0.75%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $75
Money Market
Top rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Dollar Bank
3.75%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $375
Valley 1st Community FCU savings score
81
Savings score
Higher than 55% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0000.90%
- QualifiedQualified0.75%
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 Valley 1st Community FCU 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
0.75%APY
Dividends are calculated based on the average daily balance and are credited quarterly. $5,000.00 to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 – $24,999 | 0.75% | $75 |
| $25,000 – $99,999 | 0.80% | — |
| $100,000 and up | 0.90% | — |
Escrow
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- valley1st.org/rates · captured Sep 17, 2026
Share Account
0.05%APY
Establishes credit union membership. Minimum balance of $5.00. Dividends earned daily and compounded/posted monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Special-purpose accounts
Individual Retirement Accounts
0.25%APY
Regular IRA and Roth IRA Share Accounts. Defer taxes on IRA dividends; may be eligible for tax deduction on contributions. Penalties charged for withdrawals before age 59 1/2.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Christmas Club Accounts
0.05%APY
Designed for holiday savings. Dividends earned on accounts with an average daily balance of $5.00 or more. Compounded and posted quarterly. Disbursement checks issued after third quarter dividend posting. No penalty for early withdrawal. May be re-opened after October 1 of the year in which closed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends are earned on accounts with an average daily balance of $5.00 or more$5 and up | 0.05% | $5 | Dividends are earned on accounts with an average daily balance of $5.00 or more |
Who can join Valley 1st Community FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone living, working, or worshipping in Fayette, Washington, and Westmoreland County.
Family and household
- Membership is open to family members of eligible individuals living, working, or worshipping in Fayette, Washington, and Westmoreland County.
Cost to join
- An opening share deposit of at least $5.00 is required upon joining.
- An initial membership fee of $1.00 is required upon joining.
Membership information collected October 5, 2026.