1st Community Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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1st Community Credit Union's 12-Month CD certificate rates are at 4.71%, 18-Month CD certificate rates are at 4.08%, 24-Month CD certificate rates are at 3.87%, 36-Month CD certificate rates are at 3.35%, 48-Month CD certificate rates are at 3.05%. 1st Community Credit Union's savings rates are at 0.20%. 1st Community Credit Union's money market rates are at 2.22%.

1st Community Credit Union

Compare 1st Community Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of 1st Community Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

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 CD rates or 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.

Overall, 1st Community Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
4.71%
18-Month CD
4.08%
24-Month CD
3.87%
36-Month CD
3.35%
48-Month CD
3.05%
60-Month CD
2.94%
Savings
0.20%
MMA
2.22%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
1st Community Credit Union
1st CCU Sparta
1000 W Wisconsin St
Sparta, WI 54656 2230
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare 1st Community Credit Union Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
United Trust Bank
United Trust Bank
6-Month CD special
5.39%
$5,000
America First Federal Credit Union
America First Federal Credit Union
3-Month CD certificate
5.25%
$500
Pacific Crest SB
Pacific Crest SB
12-Month CD
5.00%
$2,000
Dieterich Bank
Dieterich Bank
9-Month CD
4.80%
$500
Cross River Bank
Cross River Bank
48-Month CD
4.75%
$500
1st Community Credit Union
1st Community Credit Union
12-Month CD certificate
4.71%
$1,000
Teachers Federal Credit Union
Teachers Federal Credit Union
12-Month CD (Certificate)
4.25%
$1,000
Goldwater Bank
Goldwater Bank
High Yield Savings
4.15%
$100
1st Community Credit Union
1st Community Credit Union
18-Month CD certificate
4.08%
$1,000
1st Community Credit Union
1st Community Credit Union
24-Month CD certificate
3.87%
$1,000
Citizens Savings Bank Spillville, IA
Citizens Savings Bank Spillville, IA
48-Month CD
3.75%
$1,000
Exchange Bank and Trust Company
Exchange Bank and Trust Company
48-Month CD
3.60%
$1,000
Pioneer Trust Bank
Pioneer Trust Bank
18-Month CD
3.56%
$5,000
F&M Bank Berlin, WI
F&M Bank Berlin, WI
Money Market
3.55%
$5,000,000
FSB of Rosemount
FSB of Rosemount
36-Month CD
3.50%
$500
1st Community Credit Union
1st Community Credit Union
36-Month CD certificate
3.35%
$1,000
1st Community Credit Union
1st Community Credit Union
1st Rewards Checking
3.30%
$0
Bank of Prague
Bank of Prague
60-Month CD
3.28%
$1,000
1st Community Credit Union
1st Community Credit Union
48-Month CD certificate
3.05%
$1,000
State Bank of India US
State Bank of India US
3-Month CD
3.03%
$1,000
CSB Norwood Young America
CSB Norwood Young America
12-Month CD
3.03%
$500
Kirkwood Bank & Trust Co.
Kirkwood Bank & Trust Co.
36-Month CD
3.00%
$2,500
Union State Bank Olsburg, KS
Union State Bank Olsburg, KS
24-Month CD
3.00%
$1,000
Charles River Bank
Charles River Bank
24-Month CD
3.00%
$1,000
1st Community Credit Union
1st Community Credit Union
60-Month CD certificate
2.94%
$1,000
Harvest Bank
Harvest Bank
Money Market
2.80%
$100,000
Patriot Bank N.A.
Patriot Bank N.A.
36-Month CD
2.74%
$500
Home State Bank Royal, IA
Home State Bank Royal, IA
Money Market
2.53%
$250,000
First Southern Bank
First Southern Bank
48-Month CD
2.53%
$1,000
M.Y. Safra Bank
M.Y. Safra Bank
Platinum Money Market
2.51%
$5,000
Metropolitan Capital B&T
Metropolitan Capital B&T
24-Month CD
2.50%
$5,000
1st Community Credit Union
1st Community Credit Union
Money Market
2.22%
$100,000
1st Community Credit Union
1st Community Credit Union
6-Month CD certificate
2.12%
$1,000
Bank of Edmonson County
Bank of Edmonson County
60-Month CD Monthly
2.02%
$500
SSB of Wanamingo
SSB of Wanamingo
48-Month CD
1.46%
$500
Cornhusker Bank
Cornhusker Bank
30-Month CD
1.11%
$1,000
William Penn Bank
William Penn Bank
24-Month CD
1.01%
$500
Huron Valley State Bank
Huron Valley State Bank
Savings Account
1.00%
$1
Longview Bank
Longview Bank
Money Market
1.00%
$25,000
DB&T
DB&T
24-Month CD
1.00%
$1,000
Gorham Savings Bank
Gorham Savings Bank
48-Month CD
0.95%
$500
Murphy-Wall State B&T Co.
Murphy-Wall State B&T Co.
36-Month CD
0.65%
$1,000
Auburn Savings Bank
Auburn Savings Bank
48-Month CD
0.65%
$1,000
First Federal Community Bank N.A.
First Federal Community Bank N.A.
24-Month CD
0.60%
$500
Fulton Savings Bank
Fulton Savings Bank
48-Month CD
0.50%
$500
Walden Savings Bank
Walden Savings Bank
3-Month CD
0.50%
$1,000
First State Bank New London, WI
First State Bank New London, WI
3-Month CD
0.40%
$5,000
Florence Bank
Florence Bank
36-Month CD
0.40%
$500
Midland Community Bank
Midland Community Bank
Money Market
0.40%
$2,500
5 Star Bank
5 Star Bank
24-Month CD
0.40%
$500
Henderson FSB
Henderson FSB
Statement Savings
0.30%
$0
Prairie Community Bank
Prairie Community Bank
Statement Savings
0.30%
$100
1st Community Credit Union
1st Community Credit Union
Ultimate Savings
0.20%
$1,000
FNB of Absecon
FNB of Absecon
24-Month CD
0.15%
$0
Cambridge Trust Company
Cambridge Trust Company
24-Month CD
0.10%
$1,000
The Huntington National Bank
The Huntington National Bank
36-Month CD
0.10%
$1,000
Bank First, NA
Bank First, NA
First Savings
0.10%
$0
Androscoggin Savings Bank
Androscoggin Savings Bank
Companion Savings
0.05%
$0
WaterStone Bank
WaterStone Bank
Savings Account
0.05%
$100
Central Bank Houston, TX
Central Bank Houston, TX
Central Choice Premier Checking
0.05%
$100
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare 1st Community Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
Truliant Federal Credit Union
Truliant Federal Credit Union
7/1 ARM
6.250%
6.988%
0.000
Rocket Mortgage
Rocket Mortgage
20-Year Fixed
7.250%
7.674%
2.000
First Citizens Federal Credit Union
First Citizens Federal Credit Union
10 Year Fixed
6.500%
6.835%
0.000
Missouri Credit Union
Missouri Credit Union
15 Year Fixed
6.375%
6.460%
0.000
Vystar Credit Union
Vystar Credit Union
30-Year Fixed
7.125%
7.193%
0.000
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
30 Year Fixed
6.500%
6.670%
1.000
Ulster Savings Bank
Ulster Savings Bank
20-Year Fixed
6.750%
6.948%
0.000
Mid-Atlantic Federal Credit Union
Mid-Atlantic Federal Credit Union
30 Year Fixed
7.500%
7.520%
0.000
Navy Federal Credit Union
Navy Federal Credit Union
15-Year Fixed
5.750%
5.946%
0.250
Finger Lakes Federal Credit Union
Finger Lakes Federal Credit Union
20 Year Fixed
6.750%
6.835%
0.000
1st Northern California Credit Union
1st Northern California Credit Union
30-Year Fixed Jumbo
6.375%
6.457%
0.500
Teachers Federal Credit Union
Teachers Federal Credit Union
10/6 ARM
6.875%
7.350%
0.500
Chase Bank
Chase Bank
7/6 Month ARM
6.875%
7.539%
0.000
Altoona First Savings Bank
Altoona First Savings Bank
20-Year Fixed
6.750%
6.803%
0.000
Penn East Federal Credit Union
Penn East Federal Credit Union
30 year Fixed
6.625%
6.890%
1.750
Harleysville Bank
Harleysville Bank
30-Year Fixed
6.750%
6.763%
0.000
Holyoke Credit Union
Holyoke Credit Union
10/1 ARM
6.625%
7.067%
0.000
Kohler Credit Union
Kohler Credit Union
10/1 ARM
7.000%
7.700%
0.000
A+ Federal Credit Union
A+ Federal Credit Union
15-Year Fixed Refinance
6.250%
6.355%
0.000
Hatboro Federal Savings
Hatboro Federal Savings
10-Year Fixed
5.500%
6.048%
2.000
Centreville Bank
Centreville Bank
15-Year Fixed
6.625%
6.777%
0.000
Northwest Community Bank
Northwest Community Bank
30-Year Fixed
6.750%
6.837%
0.000
Citizens Federal S&LA
Citizens Federal S&LA
30-Year Fixed
7.000%
7.116%
0.500
Kennebec Savings Bank
Kennebec Savings Bank
30-Year Fixed
7.500%
7.500%
0.000
Finger Lakes Federal Credit Union
Finger Lakes Federal Credit Union
30 Year Fixed
6.875%
6.941%
0.000
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The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare 1st Community Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
Y 12 Federal Credit Union
Y 12 Federal Credit Union
VISA Signature Rewards
16.740% - 18.000%
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power Cash Back World MasterCard
16.950% - 18.000%
ACFCU
ACFCU
Reserve Rewards+ Card Visa
19.740% - 29.740%
Enjoy premium rewards and benefits, plus receive a $500 bonus.
1st Valley Credit Union
1st Valley Credit Union
Platinum Visa
8.750%
Access Federal Credit Union
Access Federal Credit Union
Access FCU Visa Classic
13.500%
First Technology Federal Credit Union
First Technology Federal Credit Union
Platinum Rewards Mastercard
13.240%
ACFCU
ACFCU
Max Cash Preferred Card Visa
19.490% - 29.740%
Get more value with up to 5% cash back in 2 categories you choose.
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
Max Rewards Visa Credit Card
15.250%
Achieve Financial Credit Union
Achieve Financial Credit Union
Visa Balance Transfer
8.990%
The balance transfer rate is good only on balances transferred from non-Achieve credit cards.
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Low Rate Credit Card
13.240%
University First Federal Credit Union
University First Federal Credit Union
Visa Secure Card
13.740%
ACFCU
ACFCU
Secure Card Visa
29.240%
A card that\'s perfect for anyone who wants to improve or establish their credit.
1st Valley Credit Union
1st Valley Credit Union
Platinum Secured Visa
8.750%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred
14.240% - 17.990%
First Technology Federal Credit Union
First Technology Federal Credit Union
Platinum Mastercard
12.240%
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Platinum
16.200%
Y 12 Federal Credit Union
Y 12 Federal Credit Union
VISA Traditional
14.240% - 18.000%
America First Federal Credit Union
America First Federal Credit Union
PLATINUM REWARDS VISA
14.740%
Randolph Brooks FCU
Randolph Brooks FCU
Premier Rate Credit Card Mastercard
12.950% - 18.000%
University First Federal Credit Union
University First Federal Credit Union
Visa Business Rewards Card
15.240%
Acadian Federal Credit Union
Acadian Federal Credit Union
Acadian CU Visa Classic
9.200%
9.20% APR for purchases, balance transfers and cash advances.
1st United Credit Union
1st United Credit Union
Visa Platinum
13.900%
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Select Visa
13.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Suncoast Credit Union
Suncoast Credit Union
Rewards Student Classic
16.500%
Credit Limit - $500
360 Federal Credit Union
360 Federal Credit Union
Visa Classic
3.990%
Introductory Rate of 3.99% APR for 12 months on transactions in the first 90 days.
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Compare 1st Community Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Payroll Savings Loan
17.900%
$0 - $500
Academic Employees Credit Union
Academic Employees Credit Union
Personal Line of Credit
9.500%
$0
AT&T Employees Federal Credit Union
AT&T Employees Federal Credit Union
EZ Loan
18.000%
$0 - $500
5
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Personal Line of Credit
7.750% - 16.750%
$0
1 - 36
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Personal Loan
13.740%
$0
60
Access Community Credit Union
Access Community Credit Union
Personal Loans
11.990%
$0
1 - 12
University First Federal Credit Union
University First Federal Credit Union
Personal Loans
13.240%
$0 - $2,000
36 - 36
Advantage Credit Union Newtown, IA
Advantage Credit Union Newtown, IA
Personal Loans
13.700%
$2,500 - $5,000
36 - 36
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Personal Loan
10.490%
$0
60 - 60
1st Northern California Credit Union
1st Northern California Credit Union
Title Loans
5.500%
$0
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
10.000%
$0
12 - 12
360 Federal Credit Union
360 Federal Credit Union
Term Line of Credit 84 months
8.000%
$0
Access Community Credit Union
Access Community Credit Union
Personal Loans
12.990%
$0
13 - 60
Aac Credit Union
Aac Credit Union
Personal Loans Share Secured
5.990%
$0
48
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Personal Loan
9.490%
$0
48 - 48
Acadia Federal Credit Union
Acadia Federal Credit Union
Personal Loans
11.900%
$0 - $15,000
24 - 60
Abco Federal Credit Union
Abco Federal Credit Union
Personal Loans
10.490%
$0
Acme Continental Credit Union
Acme Continental Credit Union
Signature Loan
8.950%
$0
1 - 60
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Consumer Loan
10.250% - 17.950%
$0
1 - 36
Abbey Credit Union
Abbey Credit Union
Signature (Unsecured) Loan
11.040%
$0
1 - 24
University First Federal Credit Union
University First Federal Credit Union
Personal Loans
12.990%
$0 - $2,000
24 - 24
Abco Federal Credit Union
Abco Federal Credit Union
Vacation Loans
10.490%
$0
A+ Federal Credit Union
A+ Federal Credit Union
A+ Preferred Line Of Credit
10.990%
$0
360 Federal Credit Union
360 Federal Credit Union
Signature LOC Revolving Credit Line
12.500%
$0 - $10,000
Alec Federal Credit Unon Federal Credit Union
Alec Federal Credit Unon Federal Credit Union
Refinanced Signature Loans
18.000%
$0
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

1st Community Credit Union Information

Credit Union Name: 1st Community Credit Union
Full Time Employees: 53
Part Time Employees: 11
President: Wendy Whitehead
CEO: Brad Bauges
Branch Locations: 5
ATM Locations: 3
Corporate Office Address:
1000 W Wisconsin St
Sparta, WI 54656 2230
Phone Number: 608-269-8121
Fax Number: 608-269-1074

1st Community Credit Union Financials

Total Assets:
262,800,144
Total Amount of Shares and Deposits:
221,914,269
Total Shares and Deposits < 1 Year:
211,843,979
Total Shares and Deposits 1 3 Years:
8,228,132
Total Shares and Deposits > 3 Years:
1,842,158
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
9,826,932
Total Uninsured Shares and Deposits > $250K (F+J):
9,826,932
Total Insured Shares and Deposits > $250K (item 17 less item K):
212,087,337
Total Interest Expense (Sum of items 6 8):
2,626,745
Share Certificates:
2,517
Number of Accounts for Share Drafts:
9,742
IRA KEOGH Accounts:
896
Number of Accounts for Regular Shares:
20,004
Non Member Deposits:
20
Money Market Shares:
655
Net Income (unless the amount is already included in Undivided Earnings):
944,065
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
6,845,632
Total Liabilities:
241,745,547
Show More

1st Community Credit Union Questions and Answers

No Cost Share Drafts:
Yes
Share Certificates with Low Minimum Balance Requirements:
Yes
Is Financial Counseling Offered?:
No
Financial Education offered for Members?:
Yes
Are financial literacy Workshops offered?:
No
Is there a first time homebuyer program?:
Yes
Credit management and repair offered?:
No
Online Financial Literacy?:
No
No Cost Bill Payer:
Yes
Student Scholarships:
1
Mortgage Processing:
Yes
Approved Mortgage Seller?:
Yes
Brokered Certificates of Deposits:
1
payment:
No
Are low cost wire transfers available?:
Yes
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
No
Electronic Signature Authentication Certification:
Yes
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
Yes
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
Yes
Show More
Source: NCUA

Explore Other Rate Deals

There were several changes to CD rates this week. The good news is, most of the changes were higher and there was only 1 decrease. The biggest increases were on EverBank's 3 month rate and E-Loan's 3 year rate. E-Loan also had the majority of increases this week.
Best 12-Month CD Rates - December 2018The best 12 month CD rates in December 2018 are moving higher and might hit 3.00 percent before the end of the year. The bank that currently has the absolute best 12 month CD rates on the rate table now is VirtualBank with a rate of 2.86 percent, only 14 basis points below 3.00 percent. Three other banks have the second best 1-year CD rates for December 2018. Limelight Bank, Live Oak Bank, and Popular Direct are all offering 12 month CD rates at 2.85 percent. Rounding out the top 5 December CD rates is Merrick Bank with 12 month CD rates at 2.84 percent.

Bank or Credit Union Offers and Deals

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CD Interest Rates in San Antonio, Texas
Marcus Savings Account Rate at 3.30% with $100 Promotional Bonus
CD Rates May 18: Average Rates Stable as Market Awaits Fed Minutes
Sovereign Bank Save & Invest CD Package

Alternative Bank and Credit Union Offers to Explore

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Mortgage Rates: Long Term Mortgage Rates Still Below 5.00% - Freddie Mac
Today’s Refinancing Rates and Home Loan Rates: Rates on 30 Year Jumbo Mortgages Averaging 5.37%
Discover Bank Money Market Account
EverBank 2.5 Year CD Rates now at 1.27%
30 year Mortgage Rates Decrease to 4.95% 15 year Rates at 4.33%
Fixed Mortgage Rates and Adjustable Mortgage Rates Higher: 30 Year Mortgage Rates Averaging 4.81%
Shopping for the Best Auto Insurance Rates: Comprehensive Auto Insurance Rates

1st Community Credit Union Reviews

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