CD Accounts
2 more
Last Updated: 05/14/2026
First County FCU Certificates of Deposit
Unaffiliated
Last Updated: 05/14/2026
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rateCompare All CD Accounts
Filter & compare all your options in one place.
Highlights
APY (Annual Percentage Yield)
0.65% - 1.70%(Verified 07/13/2024)
Minimum Opening Deposit
$500
Certificate Term
- 6 months
- 12 months
- 18 months
- 2 years
- 3 years
- 4 years
- 5 years
First County FCU Certificates of Deposit Review
First County FCU Certificates of Deposit are offered by First County Federal Credit Union, a credit union founded in 1961 and based in Muncie, IN. First County FCU Certificates of Deposit are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Only one share certificate type available. First County FCU Certificates of Deposit only offers traditional share certificate accounts.
- Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 1.70%, which is much higher than the national average for a certificate account.
- $500.00 minimum deposit. This is a typical minimum initial deposit for the certificates we track.
- Wide selection of certificate terms. First County FCU Certificates of Deposit allows you to create a certificate ladder by spreading your cash across certificates with different terms. This combines the benefits of frequent access to funds and higher rates of return on your savings.
Pros & Cons of First County FCU Certificates of Deposit
| Pros | Cons |
|
|
First County FCU Certificates of Deposit FAQ
Are share certificates from First County Federal Credit Union federally insured?
Yes, your share certificates are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What is the difference between CDs and Share Certificates?
Certificates of Deposit (CDs) and Share Certificates are both deposit accounts where your money can grow at a fixed rate for a predetermined period of time. Both are low-risk and federally insured products designed to give you a better rate on your deposits than typical savings accounts. The main difference between them is that CDs are offered by for-profit banks, whereas Share Certificates are offered by member-owned, not-for-profit credit unions.
What types of share certificates does First County Federal Credit Union offer?
First County FCU Certificates of Deposit provides the following types of share certificates.- Traditional share certificates. These share certificates pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the share certificate for another term.
What rates does First County Federal Credit Union offer on its share certificates?
First County FCU Certificates of Deposit offers an APY starting at 0.65% and ranging up to 1.70%. APY stands for annual percentage yield and shows the interest rate paid by the share certificate after taking into account compounding.
What terms does First County FCU Certificates of Deposit offer?
First County Federal Credit Union offers share certificate terms of the following lengths:| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Certificate Term |
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12-Month APY | 1.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.65% - 1.70% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 6-Month APY | 0.65% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2-Year APY | 1.20% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3-Year APY | 1.50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4-Year APY | 1.60% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5-Year APY | 1.70% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 18-Month APY | 1.15% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the minimum deposit to open a share certificate account with First County Federal Credit Union?
First County FCU Certificates of Deposit require a minimum deposit of $500.00 to open an account.
What is the grace period for First County FCU Certificates of Deposit?
First County FCU Certificates of Deposit does not specify what their grace period is. A grace period is a period of time during which you can withdraw the money in your share certificate without paying an early withdrawal penalty. A grace period starts the day after a share certificate’s maturity date, or the final day a share certificate is opened. Standard share certificates renew automatically at the same term if you don't withdraw your money after the grace period. Note that the new share certificate rates probably won’t be the same as the original.
What types of fees, such as early withdrawal penalties, does First County Federal Credit Union charge?
Financial institutions don't typically charge many fees on share certificates. However, most charge a fee if you choose to withdraw your money before the term ends.
First County Federal Credit Union charges an early withdrawal fee.
First County Federal Credit Union does charge any of the fees we track.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
SundayClosedMonday8:30AM - 5:00PMTuesday8:30AM - 5:00PMWednesday9:00AM - 5:00PMThursday8:30AM - 5:00PMFriday8:30AM - 6:00PMSaturdayClosed
Other Services by First County Federal Credit Union
SuperMoney Net Recommendation Score
This product has no reviews yet. Help others by sharing your thoughts.
0
-1000+100
No one recommends
Everyone recommends
First County FCU Certificates of Deposit Community Reviews
Would you recommend First County FCU Certificates of Deposit to your friends?
There are currently no reviews.
You might also like
Best CD Rates
SuperMoney
Checking vs. Savings Account: Which Do You Need?
Andrew Latham
APR vs. APY: What's the Difference?
Bryce Sanders
Where Is a Savings Bond Serial Number?
Emily Africa