First Commonwealth Federal Credit Union (Pennsylvania) CD & Share Certificate Rates — October 2026
As of October 22, 2026, First Commonwealth Federal Credit Union (Pennsylvania)'s highest tracked CD (share certificate) rate is 5.00% APY on a 5-month promotional CD ($500 minimum). That is 3.6 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 3.75% to 4.25% APY.
Tracking began .
First Commonwealth Federal Credit Union (Pennsylvania) CD & share certificate rates
Membership required. Share certificates from 3 to 60 months and a 5-month certificate special; certificates renew automatically at maturity. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Certificate | $500 | 4.00% | −0.29% | Top 7% of tracked 3-month CDs · Verified October 22, 2026 |
| 5 months | Certificate Special Promotional | $500 | 5.00% | +0.61% | Verified October 22, 2026 |
| 6 months | Certificate | $500 | 4.00% | −0.40% | Top 19% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | Certificate | $500 | 4.00% | −0.48% | Top 25% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | Certificate | $500 | 4.25% | −0.32% | Top 12% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Certificate | $500 | 4.15% | −0.57% | Top 19% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Certificate | $500 | 4.15% | −0.72% | Top 16% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Certificate | $500 | 3.75% | −1.20% | Top 30% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate | $500 | 3.75% | −1.23% | Top 25% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate | $500 | 3.75% | −1.26% | Top 30% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 5.00% APY (5 months). The standard rate for a similar term is 4.00% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $100 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are First Commonwealth Federal Credit Union (Pennsylvania)'s best CD rates by term?
First Commonwealth Federal Credit Union (Pennsylvania)'s best rate is 5.00% APY on 5 months, verified October 22, 2026.
- 3 mo4.00%
- 5 mo5.00%
- 6 mo4.00%
- 9 mo4.00%
- 12 mo4.25%
- 18 mo4.15%
- 24 mo4.15%
- 36 mo3.75%
- 48 mo3.75%
- 60 mo3.75%
How much interest could a First Commonwealth Federal Credit Union (Pennsylvania) CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$205.26 interest · $10,205.26 at maturity on $10,000.00.
5.00% APY · 5 months · Certificate Special · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $49.134.00% APY · Certificate · Standard | $98.264.00% APY · Certificate · Standard | $245.664.00% APY · Certificate · Standard | $491.314.00% APY · Certificate · Standard |
| 5 months | $102.635.00% APY · Certificate Special · Promotional | $205.265.00% APY · Certificate Special · Promotional | $513.155.00% APY · Certificate Special · Promotional | $1,026.305.00% APY · Certificate Special · Promotional |
| 6 months | $99.294.00% APY · Certificate · Standard | $198.594.00% APY · Certificate · Standard | $496.474.00% APY · Certificate · Standard | $992.934.00% APY · Certificate · Standard |
| 9 months | $149.404.00% APY · Certificate · Standard | $298.804.00% APY · Certificate · Standard | $747.004.00% APY · Certificate · Standard | $1,494.014.00% APY · Certificate · Standard |
| 12 months | $212.504.25% APY · Certificate · Standard | $425.004.25% APY · Certificate · Standard | $1,062.504.25% APY · Certificate · Standard | $2,125.004.25% APY · Certificate · Standard |
| 18 months | $314.754.15% APY · Certificate · Standard | $629.514.15% APY · Certificate · Standard | $1,573.774.15% APY · Certificate · Standard | $3,147.534.15% APY · Certificate · Standard |
| 24 months | $423.614.15% APY · Certificate · Standard | $847.224.15% APY · Certificate · Standard | $2,118.064.15% APY · Certificate · Standard | $4,236.114.15% APY · Certificate · Standard |
| 36 months | $583.863.75% APY · Certificate · Standard | $1,167.713.75% APY · Certificate · Standard | $2,919.293.75% APY · Certificate · Standard | $5,838.573.75% APY · Certificate · Standard |
| 48 months | $793.253.75% APY · Certificate · Standard | $1,586.503.75% APY · Certificate · Standard | $3,966.263.75% APY · Certificate · Standard | $7,932.523.75% APY · Certificate · Standard |
| 60 months | $1,010.503.75% APY · Certificate · Standard | $2,021.003.75% APY · Certificate · Standard | $5,052.503.75% APY · Certificate · Standard | $10,104.993.75% APY · Certificate · Standard |
How First Commonwealth Federal Credit Union (Pennsylvania) compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 152-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 2 of 48 tracked institutions with fresh 152-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| First Commonwealth Federal Credit Union (Pennsylvania) (this institution)Certificate Special · Promotional | 5 months | $500 | Membership required · branches in NJ, PA | 5.00% | October 22, 2026 |
| United BankDigital Rate CD · Promotional | 5 months | $500 | Branches in 9 states | 4.00% | October 22, 2026 |
| First National Bank (FNB)CD Special · Promotional | 5 months | $10,000 | Branches in 8 states | 3.00% | October 22, 2026 |
| Bank of PrincetonCertificate of Deposit · Standard | 5 months | $500 | Branches in NJ, NY, PA | 1.50% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 5 months | $5,000 | Membership required · branches in WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 5 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.39% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking First Commonwealth Federal Credit Union (Pennsylvania) on October 22, 2026.
About First Commonwealth Federal Credit Union (Pennsylvania)
- Legal name
- First Commonwealth Federal Credit Union
- Regulator ID
- NCUA 12765
- Headquarters
- Lehigh Valley, PA
- Available in
- NJ, PA
- Total assets
- $1.5 billion
- Also known as
- Website
- www.firstcomcu.org
Source: rates read from https://www.firstcomcu.org/rates/savings.html. See the page text we read.
Frequently asked questions
What is the highest CD rate at First Commonwealth Federal Credit Union (Pennsylvania)?
Among the rates we track, 5.00% APY on a 5-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a First Commonwealth Federal Credit Union (Pennsylvania) CD?
The lowest minimum we found is $500.
How does First Commonwealth Federal Credit Union (Pennsylvania)'s best CD rate compare with Treasury yields?
5.00% APY is +0.61% versus the 5-month Treasury yield of 4.39% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 5.00% a good CD rate?
It is 3.6 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are First Commonwealth Federal Credit Union (Pennsylvania) CDs insured?
First Commonwealth Federal Credit Union (Pennsylvania) is a federally insured credit union (NCUA 12765). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at First Commonwealth Federal Credit Union (Pennsylvania)?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check First Commonwealth Federal Credit Union (Pennsylvania)'s rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from First Commonwealth Federal Credit Union (Pennsylvania)'s website and may change at any time. Confirm terms, minimums and eligibility with First Commonwealth Federal Credit Union (Pennsylvania) before opening an account. This page is not financial advice.