Savings Rates
Save more. Earn more.
Savings and Checking Accounts
Rates are current and effective as of: February 1, 2025
|
Account Type
|
Minimum Balance to Earn APY
|
Dividend Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|---|
Regular Share (Savings)1 |
$100 | 0.05% | 0.05% |
Vacation Club/Holiday Saver2 |
$100 | 0.05% | 0.05% |
FirstStart Savings1 |
$5 | 0.05% | 0.05% |
Free Checking3 |
None | None | None |
Interest Checking3 |
$1,000 | 0.03% | 0.03% |
Check Builder4 |
None | None | None |
Money Market |
$1,000 - $9,999 | 0.90% | 0.90% |
| $10,000 - $24,999 | 0.95% | 0.95% | |
| $25,000 - $49,999 | 1.00% | 1.00% | |
| $50,000 and over | 1.04% | 1.05% | |
Money Market IRA5 |
$100 - $9,999 | 0.90% | 0.90% |
| $10,000 - $24,999 | 0.95% | 0.95% | |
| $25,000 - $49,999 | 1.00% | 1.00% | |
| $50,000 and over | 1.04% | 1.05% |
1The minimum deposit required to open is $5
2The minimum deposit required to open is $25
3The minimum deposit required to open is $10
4The minimum deposit required to open is $50
5The minimum deposit required to open is $100
Wealth Builder Term Certificate Account
Rates are current and effective as of: February 1, 2025
|
Certificate Account
|
Minimum Balance
|
Term
|
Dividend
|
Yield
|
|---|---|---|---|---|
| Wealth Builder Certificate with payroll deduction | $50 | 9 Months | 1.29% | 1.30% |
| Regular Wealth Builder Certificate | $500 | 9 Months | 1.39% | 1.40% |
Term Certificate and Regular IRA Certificate Accounts
Rates are current and effective as of: February 1, 2025
|
Minimum Balance
|
Rate Type
|
3 Months
|
6 Months
|
1 Year
|
18 Months
|
2 Year
|
3 Year
|
4 Year
|
5 Year
|
|---|---|---|---|---|---|---|---|---|---|
| $1,000 to $9,999 | Dividend Rate | 1.64% | 1.96% | 2.96% | 3.01% | 3.06% | 2.96% | 3.06% | 3.15% |
| APY | 1.65% | 1.98% | 3.00% | 3.05% | 3.10% | 3.00% | 3.10% | 3.20% | |
| $10,000 to $49,999 | Dividend Rate | 1.74% | 2.06% | 3.06% | 3.11% | 3.15% | 3.06% | 3.15% | 3.25% |
| APY | 1.75% | 2.08% | 3.10% | 3.15% | 3.20% | 3.10% | 3.20% | 3.30% | |
| $50,000 and up | Dividend Rate | 1.83% | 2.16% | 3.15% | 3.20% | 3.25% | 3.15% | 3.25% | 3.35% |
| APY | 1.85% | 2.18% | 3.20% | 3.25% | 3.30% | 3.20% | 3.30% | 3.40% |
Membership is a few steps away.
Start your application today
To submit an application, click Open an Account below. Remember, to qualify for membership, you:
- Are an employee, retiree, or member of one of the Los Angeles County departments, organizations, or companies that we serve.
- Are in the immediate family (spouse, parents, children, siblings, grandparents) or live in the household of a First City member.
- Live, work, worship, or go to school in one of the many communities the credit union serves throughout Los Angeles County, and parts of San Bernardino County.
First City Credit Union is a nation leading 5-star financial institution with locations across Los Angeles.