First Community Credit Union

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First Rate Checking
First Rate Checking is a high-yield, fee-free checking account offering up to 3.51% APY on balances up to $25,000, nationwide ATM fee refunds, and valuable loan discounts. It combines the benefits of a premium checking account with the earning potential of a high-yield savings account, all with no monthly maintenance fees.
  • Maximize your money: Earn up to 3.51% APY on balances up to $25,000 - far above the national average!
  • Easy rewards: Qualify for top rates with direct deposits, debit purchases, and e-statements.
  • Banking that grows with you: From teens to savvy savers, enjoy youth-friendly options and tiered rates for higher balances.
  • Premium perks, zero fees: Get free digital banking, checks (for purchase), and nationwide ATM access.
  • Monthly Qualification Requirements: At least 1 direct deposit, at least 25 debit card purchases, and must be enrolled in E-statements
Cashback Checking
Turn your everyday purchases into rewards with our Cashback Checking account. This innovative account pays you back for using your debit card, combining the convenience of a traditional checking account with the perks of a rewards program – all without monthly fees or balance requirements.
  • Maximize rewards: Pocket up to $120 cash back annually ($10 per month)
  • Fee-free banking: No monthly maintenance charges
  • No balance stress: Earn rewards without minimum balance requirements
  • Convenient access: Use surcharge-free ATMs for cash withdrawals
  • Easy start: No minimum deposit required to open
  • Monthly Qualification Requirements: At least 1 direct deposit, at least 30 debit card purchases, and must enroll in E-Statements
Money Management
Boost your savings with our High-Yield Money Management Account, offering competitive tiered rates and flexible access to your funds. This account combines the earning potential of a savings account with the convenience of check-writing privileges, all without monthly maintenance fees.
  • Easy access: Unlimited ATM and in-person withdrawals and transfers, plus check-writing ability*
  • No monthly fees: Keep more of your money with zero maintenance charges
  • Grow your wealth: Dividends calculated daily and paid monthly ($1000 minimum to earn dividends)
  • Low entry barrier: Open your account with no minimum deposit
  • Note: For ACH transactions, please select "checking" to ensure proper posting.
Certificate of Deposit
Maximize your savings potential with our range of Certificates of Deposit. Whether you're planning for short-term goals or long-term wealth building, our CDs offer competitive fixed rates and guaranteed returns. From 6 months to 6 years, choose the term that best fits your financial strategy and watch your money grow with confidence.
  • Dividends paid at term for 6 & 12 month certificates, quarterly for 15 month, semi-annually for 18 month and annually for all other terms
  • Dividends will post to the certificate for CDs opened online
  • Flexible terms: Select from 6, 12, 15, 18, 24, 36, 48, 60, or 72-month options
  • Guaranteed growth: Lock in competitive fixed rates for predictable returns
  • Low risk, high reward: Earn more than traditional savings accounts
  • Easy start: Open with as little as $500
  • Steady wealth building: Ideal for both short and long-term planning
  • See our current CD rates
6 Month CD
Share Savings
A Share Savings Account establishes your First Community membership, offering a simple way to start saving with competitive dividends and no monthly fees. With just $1 to open, you can begin building your emergency fund or saving for future goals while enjoying the full benefits of our credit union.
  • Easy membership: Become a First Community member with just $1 minimum balance
  • Part-Owner: Once a member, you become a shareholder of the Credit Union!
  • Dividends: Earn quarterly dividends with a minimum balance of $100
  • No-cost banking: Enjoy zero monthly maintenance fee
  • Digital convenience: Access free digital and telephone banking services
  • Exclusive perks: Gain access to free notary services, coin kiosks, check cashing, and more!
Checking I
Experience hassle-free banking with our Checking I Account. This checking option offers all the essential features you need for everyday transactions.
  • Flexible balance: No minimum balance to maintain
  • On-the-go access: Use surcharge-free ATMs for cash withdrawals
  • Easy start: Open your account with no minimum deposit
Secondary Share Savings
The Secondary Share Savings Account is your dedicated space for targeted savings, allowing you to set aside funds for special purchases or events while keeping your primary savings intact. With competitive dividends and no fees, it's the perfect tool to help you achieve your financial goals.
  • Goal-oriented saving: Ideal for special purchases or events
  • Separate from primary: Maintain your main savings while growing additional funds
  • Dividends: Earn quarterly dividends with a minimum balance of $100
  • No-cost savings: Zero monthly maintenance fees
  • Flexible start: No minimum deposit required to open
Vacation Club
Plan your dream getaway with our Vacation Club Account. This specialized savings tool helps you set aside funds throughout the year, ensuring you have a stress-free and fully funded vacation when summer arrives.
  • Targeted savings: Dedicate funds specifically for your next vacation
  • Competitive growth: Earn dividends to boost your vacation fund
  • Hassle-free savings: No monthly fees or minimum opening deposit
  • Automatic payout: Funds transferred to your savings in May, just in time for summer
  • Penalty-free access: Make early withdrawals without fees if needed
Christmas Club
Spread holiday cheer without financial fear using our Christmas Club Account. This account helps you save gradually throughout the year, ensuring you have a merry season without the stress of holiday debt.
  • Stress-free holidays: Save steadily for end-of-year expenses
  • Grow your funds: Earn competitive dividends on your holiday savings
  • No extra costs: Zero monthly fees and no minimum to open
  • Timely disbursement: Funds automatically transferred to savings in November
  • Flexible access: No penalties for early withdrawals if needed