What are the current interest rates at 1st Community Credit Union?

Current rates for 1st Community Credit Union include: 12-Month CD: 3.72%, 18-Month CD: 3.20%, 24-Month CD: 3.10%, 60-Month CD: 3.20%, Savings: 0.10%, MMA: 0.20%

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1st Community Credit Union

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1st Community Credit Union Rates & Review September 2026

Q: Is a member application needed to join 1st Community Credit Union?

Yes, to access services at 1st Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, 1st Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

1st Community Credit Union's 36-MONTH TEEN CD SPECIAL rates are at 5.13%, 60-MONTH YOUTH CD SPECIAL rates are at 4.60%, 10-Month Anniversary CD Special rates are at 4.00%, 10-Month Anniversary CD Special rates are at 4.00%, 12 Month Jumbo CD rates are at 3.77%. 1st Community Credit Union's savings rates are at 0.10%. 1st Community Credit Union's money market rates are at 0.20%. 1st Community Credit Union's Personal Loan Rates are as low as 9.90%. 1st Community Credit Union's Credit Card Rates are at 9.40%. MonitorBankRates evaluates the financial stability of 1st Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.84%. Rates last updated and verified on 09/22/2026.

1st Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 1st Community Credit Union? Share your experience about 1st Community Credit Union by leaving a review below, or read customer reviews before you decide to use 1st Community Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.84%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

1st Community Credit Union
1st CCU Sparta

1000 W Wisconsin St
Sparta, WI 54656-2230

https://www.1stccu.com

1st Community Credit Union CD Rates

Product	Rate	APY	Term
36-MONTH TEEN CERTIFICATE SPECIAL	5.00%	5.13%	36 months
Min Deposit $500 Details FOR AGES 13-15 YEARS OLD; Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
60-MONTH YOUTH CERTIFICATE SPECIAL	4.50%	4.60%	60 months
Min Deposit $500 Details FOR AGES 0-12 YEARS OLD; Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
10-Month Anniversary CD Special	3.92%	4.00%	10-Month
Min Deposit $500 Min Balance $1,000 Details At maturity the 10-month Share Certificate will auto-renew to a 12-month term. Limited time offer; will end without warning. Rates are subject to change at any time. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity; A 90-Day penalty will be imposed for withdrawals before maturity. Dividend paid at maturity. Contact 1st Community Credit Union for qualifications, restrictions, funds availability, terms and conditions. APY=Annual Percentage Yield. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
10-Month Anniversary CD Special	3.92%	4.00%	10-Month
Min Deposit $1,000 Details At maturity the 10-month Share Certificate will auto-renew to a 12-month term. $500 for minors. Limited time offer; will end without warning. Rates are subject to change at any time. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity; A 90-Day penalty will be imposed for withdrawals before maturity. Dividend paid at maturity. Contact 1st Community Credit Union for qualifications, restrictions, funds availability, terms and conditions. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
12 Month Jumbo Certificate	3.70%	3.77%	12 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo Share Certificates require minimum opening deposit of $100,000. Balances below $100,000 for a Jumbo Share Certificate may be subject to penalty and will reduce the stated APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
12 Month Share Certificate	3.65%	3.72%	12 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
18 Month Jumbo Certificate	3.20%	3.25%	18 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo Share Certificates require minimum opening deposit of $100,000. Balances below $100,000 for a Jumbo Share Certificate may be subject to penalty and will reduce the stated APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
36 Month Jumbo Certificate	3.20%	3.25%	36 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo Share Certificates require minimum opening deposit of $100,000. Balances below $100,000 for a Jumbo Share Certificate may be subject to penalty and will reduce the stated APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
48 Month Jumbo Certificate	3.20%	3.25%	48 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo Share Certificates require minimum opening deposit of $100,000. Balances below $100,000 for a Jumbo Share Certificate may be subject to penalty and will reduce the stated APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
60 Month Jumbo Certificate	3.20%	3.25%	60 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo Share Certificates require minimum opening deposit of $100,000. Balances below $100,000 for a Jumbo Share Certificate may be subject to penalty and will reduce the stated APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
18 Month Share Certificate	3.15%	3.20%	18 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
36 Month Share Certificate	3.15%	3.20%	36 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
48 Month Share Certificate	3.15%	3.20%	48 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
60 Month Share Certificate	3.15%	3.20%	60 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
24 Month Jumbo Certificate	3.10%	3.15%	24 Month
Min Deposit $100,000 Min Balance $100,000 Details Jumbo Share Certificates require minimum opening deposit of $100,000. Balances below $100,000 for a Jumbo Share Certificate may be subject to penalty and will reduce the stated APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
24 Month Share Certificate	3.05%	3.10%	24 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
30 Month Share Certificate	3.05%	3.10%	30 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
6 Month Share Certificate	2.75%	2.79%	6 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%

1st Community Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.15%	0.15%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Ultimate Savings	0.15%	0.15%
Min Balance $1,000 Details Balance: >$1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Regular Share Savings	0.10%	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Ultimate Savings	0.10%	0.10%
Min Balance $0 Details Balance: <$1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%

1st Community Credit Union Money Market Rates

Product	Rate	APY
Money Market	2.20%	2.22%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Money Market	1.70%	1.71%
Min Balance $25,000 Details Balance: $25,000-$99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Money Market	1.30%	1.31%
Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Money Market	1.10%	1.11%
Min Balance $1,000 Details Balance: $1,000-$9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Money Market	0.20%	0.20%
Min Balance $0 Details Balance: <1,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%

1st Community Credit Union Checking Rates

Product	Rate	APY
1st Rewards Checking	3.25%	3.30%
Min Balance $0 Details Qualifications Required: 15 debit card purchases; eStatements; 1 direct/ACH deposit; Reward earned on balances less than $15,000.01; Balance: $0.01 - $15,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
1st Rewards Checking	3.25%	3.30%
Min Balance $15,000 Details Reward earned on balances less than $15,000.01; Qualifications Required; Limit of one 1st Rewards Checking Account per member account. Business checking accounts do not qualify. If you close your 1st Rewards Checking account before the end of the calendar month (statement cycle) you will forfeit any ATM fee refunds. Limit of up to $20.00 in ATM refunds per qualification cycle. Statement and Dividend cycles are monthly. Fees may reduce earnings. Federally insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
1st Rewards Checking	0.25%	0.25%
Min Balance $15,000 Details Qualifications Required: 15 debit card purchases; eStatements; 1 direct/ACH deposit; Reward earned on balances $15,000.01 and greater; Balance: $15,000.01 and greater Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
1st Rewards Checking	-	0.05%
Details When your 1st Rewards Checking qualifications have not been met the dividend paid on the entire balance will be 0.05% APY and you will not receive ATM surcharge refunds. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%

1st Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
2026 (new) - 2027 (<15,000 miles) Auto Loan	-	-	4.24%	24 months
Details Model Year: 2026 (new) - 2027; Mileage: <15,000 miles Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
2026 (new) - 2027 (<15,000 miles) Auto Loan	-	-	4.39%	36 months
Details Model Year: 2026 (new) - 2027; Mileage: <15,000 miles Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Used 2022-2026 Vehicles Auto Loan	-	-	4.49%	24 months
Details Vehicle: Used 2022-2026 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
2026 (new) - 2027 (<15,000 miles) Auto Loan	-	-	4.54%	48 months
Details Model Year: 2026 (new) - 2027; Mileage: <15,000 miles Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Used 2022-2026 Vehicles Auto Loan	-	-	4.64%	36 months
Details Vehicle: Used 2022-2026 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
2026 (new) - 2027 (<15,000 miles) Auto Loan	-	-	4.69%	60 months
Details Model Year: 2026 (new) - 2027; Mileage: <15,000 miles Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Used 2022-2026 Vehicles Auto Loan	-	-	4.79%	48 months
Details Vehicle: Used 2022-2026 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Used 2022-2026 Vehicles Auto Loan	-	-	4.94%	60 months
Details Vehicle: Used 2022-2026 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
2026 (new) - 2027 (<15,000 miles) Auto Loan	-	-	4.99%	72 months
Details Model Year: 2026 (new) - 2027; Mileage: <15,000 miles; Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
New 2022-2027 Rec Vehicle Loan	-	-	4.99%	24 Mo
Details Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
New 2022-2027 Rec Vehicle Loan	-	-	5.14%	36 Mo
Details Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
2026 (new) - 2027 (<15,000 miles) Auto Loan	-	-	5.24%	84 months
Details Model Year: 2026 (new) - 2027; Mileage: <15,000 miles; Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Used 2016-2021 Vehicle Auto Loan	-	-	5.24%	24 months
Details Vehicle: Used 2016-2021 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Used 2022-2026 Vehicles Auto Loan	-	-	5.24%	72 months
Details Vehicle: Used 2022-2026; Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
New 2022-2027 Rec Vehicle Loan	-	-	5.29%	48 Mo
Details Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Used 2016-2021 Vehicle Auto Loan	-	-	5.39%	36 months
Details Vehicle: Used 2016-2021 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
New 2022-2027 Rec Vehicle Loan	-	-	5.44%	60 Mo
Details Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Used 2016-2021 Rec Vehicles Loan	-	-	5.49%	24 Mo
Details Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Used 2016-2021 Vehicle Auto Loan	-	-	5.54%	48 months
Details Vehicle: Used 2016-2021 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Used 2016-2021 Rec Vehicles Loan	-	-	5.64%	36 Mo
Details Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Used 2016-2021 Vehicle Auto Loan	-	-	5.69%	60 months
Details Vehicle: Used 2016-2021 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
New 2022-2027 Rec Vehicle Loan	-	-	5.74%	72 Mo
Details Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Used 2016-2021 Rec Vehicles Loan	-	-	5.79%	48 Mo
Details Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Used 2016-2021 Rec Vehicles Loan	-	-	5.94%	60 Mo
Details Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
New 2022-2027 Rec Vehicle Loan	-	-	5.99%	84 Mo
Details Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
New Commercial & Ag Vehicles/Equipment Loan	-	-	6.24%
Details Additional APR listed for this product: 6.74%. Loans $50,000+ = As low as 6.24% APR; Loans under $50,000 = As low as 6.74% APR; 20% down payment is required for secured Commercial and Ag Loans. You may be asked to provide 2 years of Tax Returns and a Year-To-Date Income Statement. All loans are subject to credit approval. Restrictions may apply. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. NMLS 411004. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Used 2016-2021 Rec Vehicles Loan	-	-	6.24%	72 Mo
Details Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
New 2022-2027 Rec Vehicle Loan	-	-	6.99%	120 Mo
Details Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Used Commercial & Ag Vehicles/Equipment Loan	-	-	6.99%
Details Additional APR listed for this product: 7.49%. Loans $50,000+ = As low as 6.99% APR; Loans under $50,000 = As low as 7.49% APR; 20% down payment is required for secured Commercial and Ag Loans. You may be asked to provide 2 years of Tax Returns and a Year-To-Date Income Statement. All loans are subject to credit approval. Restrictions may apply. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. NMLS 411004. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Older Vehicles Auto Loan	-	-	9.90%	24 months
Details Vehicle: Older; Older vehicle loans not eligible for discounts; minimum loan amount $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Older Vehicles Auto Loan	-	-	10.15%	36 months
Details Vehicle: Older; Older vehicle loans not eligible for discounts; minimum loan amount $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Older Vehicles Auto Loan	-	-	10.65%	48 months
Details Vehicle: Older; Older vehicle loans not eligible for discounts; minimum loan amount $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Older Vehicles Auto Loan	-	-	11.40%	60 months
Details Vehicle: Older; Older vehicle loans not eligible for discounts; minimum loan amount $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%

1st Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Older Recreational Loan	-	9.90%	24 Mo
Details Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Older Recreational Loan	-	10.15%	36 Mo
Details Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Older Recreational Loan	-	10.65%	48 Mo
Details Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Older Recreational Loan	-	11.40%	60 Mo
Details Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%

1st Community Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	9.40%
Details Term: Contact 1st CCU for details; All loans are subject to credit approval. Some restrictions may apply. Contact 1st CCU for full details. Rates subject to change at any time without warning. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%

1st Community Credit Union Personal Loan Rates

Product	APR	Term
Signature Loans	9.90%	24 months
Details As Low As; Signature Loans ($1,000 minimum) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Signature Loans	10.15%	36 months
Details As Low As; Signature Loans ($1,000 minimum) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Signature Loans	10.65%	48 months
Details As Low As; Signature Loans ($1,000 minimum) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Signature Loans	11.40%	60 months
Details As Low As; Signature Loans ($1,000 minimum) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Line Of Credit - Unsecured	13.74%
Details As low as 13.74% APR; 20% down payment is required for secured Commercial and Ag Loans. You may be asked to provide 2 years of Tax Returns and a Year-To-Date Income Statement. All loans are subject to credit approval. Restrictions may apply. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. NMLS 411004. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%

1st Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line Of Credit - Equipment	-	-	8.99%
Details As low as 8.99% APR; 20% down payment is required for secured Commercial and Ag Loans. You may be asked to provide 2 years of Tax Returns and a Year-To-Date Income Statement. All loans are subject to credit approval. Restrictions may apply. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. NMLS 411004. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
New Single-Wide and Double-Wide Manufactured Home Loans	-	-	10.99%	Call For Terms
Details Rates as low as; New Single-Wide and Double-Wide mobile homes amortized up to 240 months. Used Single-Wide and Double-Wide mobile homes amortized up to 180 months. Used mobile homes are subject to maximum age requirement. Terms may include a 2-5 year balloon. Requires 20% down payment. Amortization, terms, rates, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral condition. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. NMLS 411004. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Single-Wide & Double-Wide Manufactured Home Loans	-	-	10.99%	Call For Terms
Details New 2025 - 2026; Rates as low as; Requires 20% down payment. Amortization, terms, rates, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral condition. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. NMLS 411004. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Single-Wide & Double-Wide Manufactured Home Loans	-	-	11.24%	Call For Terms
Details Used 2020-2025; Rates as low as; Requires 20% down payment. Amortization, terms, rates, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral condition. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. NMLS 411004. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Single-Wide & Double-Wide Manufactured Home Loans	-	-	11.99%	Call For Terms
Details Used 2015-2019; Rates as low as; Requires 20% down payment. Amortization, terms, rates, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral condition. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. NMLS 411004. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Single-Wide & Double-Wide Manufactured Home Loans	-	-	12.99%	Call For Terms
Details Used 1980-2014; Rates as low as; Requires 20% down payment. Amortization, terms, rates, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral condition. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. NMLS 411004. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Used Single-Wide and Double-Wide Manufactured Home Loans	-	-	11.24%	Call For Terms
Details Additional APR listed for this product: 11.99%, 12.99%. Rates as low as; New Single-Wide and Double-Wide mobile homes amortized up to 240 months. Used Single-Wide and Double-Wide mobile homes amortized up to 180 months. Used mobile homes are subject to maximum age requirement. Terms may include a 2-5 year balloon. Requires 20% down payment. Amortization, terms, rates, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral condition. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. NMLS 411004. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

1st Community Credit Union’s Texas Ratio rose from 3.59% in Q2 2023 to 5.84% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$285M	5.84%	5.0	A+
December 31, 2025	$281M	5.53%	5.0	A+
September 30, 2025	$271M	4.67%	5.0	A+
June 30, 2025	$270M	8.40%	5.0	A
March 31, 2025	$274M	4.75%	5.0	A+
December 31, 2024	$267M	3.78%	5.0	A+
September 30, 2024	$273M	7.01%	5.0	A
June 30, 2024	$273M	10.66%	5.0	A
March 31, 2024	$276M	5.21%	5.0	A+
December 31, 2023	$274M	5.94%	5.0	A+
September 30, 2023	$263M	4.74%	5.0	A+
June 30, 2023	$260M	3.59%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for 1st Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather 1st Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 1st Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name 1st Community Credit Union

Website https://www.1stccu.com

Address 1000 W Wisconsin St, Sparta, WI 54656-2230

Phone 608-269-8121

Fax 608-269-1074

President Wendy Whitehead

CEO Brad Bauges

Full-Time Employees 54

Part-Time Employees 5

Branch Locations 5

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.84%

Return on Assets (ROA)

0.3165%

Return on Equity (ROE)

3.2946%

Non-Performing Loans Ratio (NPL)

0.76%

Total Assets

284,790,485

Total Amount of Shares and Deposits

253,179,022

Total Shares and Deposits < 1 Year

244,638,235

Total Shares and Deposits 1 3 Years

5,596,919

Total Shares and Deposits > 3 Years

2,943,868

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

10,262,704

Total Uninsured Shares and Deposits > $250K (F+J)

10,262,704

Total Insured Shares and Deposits > $250K (item 17 less item K)

242,916,318

Total Interest Expense (Sum of items 6 8)

1,096,773

Share Certificates

2,766

Number of Accounts for Share Drafts

10,370

IRA KEOGH Accounts

935

Number of Accounts for Regular Shares

20,758

Money Market Shares

786

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

24,251,832

Total Liabilities

257,172,664

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

1st Community Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About 1st Community Credit Union

How many branches does 1st Community Credit Union operate?

1st Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join 1st Community Credit Union?

Yes, to access services at 1st Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, 1st Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 1st Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does 1st Community Credit Union offer online and mobile banking?

Most modern institutions like 1st Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.1stccu.com.

Current 1st Community Credit Union Rates

12-Month CD3.72%
18-Month CD3.20%
24-Month CD3.10%
60-Month CD3.20%
Savings0.10%
MMA0.20%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

1st Community Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

1st Community Credit Union Texas Ratio

1st Community Credit Union Health Trend

1st Community Credit Union CD Rates

1st Community Credit Union Savings Rates

1st Community Credit Union Money Market Rates

1st Community Credit Union Checking Rates

1st Community Credit Union Auto Loan Rates

1st Community Credit Union RV, Boat and Powersport Loan Rates

1st Community Credit Union Credit Card Rates

1st Community Credit Union Personal Loan Rates

1st Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

1st Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About 1st Community Credit Union

How many branches does 1st Community Credit Union operate?

Is a member application needed to join 1st Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does 1st Community Credit Union offer online and mobile banking?

Current 1st Community Credit Union Rates

Compare to Other Credit Unions