# First Commonwealth Federal Credit Union (Pennsylvania) CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/first-commonwealth-federal-credit-union
Institution: First Commonwealth Federal Credit Union (NCUA 12765)
Aliases: 
Status: live
Last verified: 2026-10-23T02:09:57.000Z (October 22, 2026)
Official source: https://www.firstcomcu.org/rates/savings.html
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate | standard | 3 months | $500 | 4.00% | Not ZIP-priced | −0.29% | 2026-10-23T02:09:57.000Z | [Snapshot 847](https://apyledger.com/snapshots/847) |
| Certificate Special | promotional | 5 months | $500 | 5.00% | Not ZIP-priced | +0.61% | 2026-10-23T02:09:57.000Z | [Snapshot 847](https://apyledger.com/snapshots/847) |
| Certificate | standard | 6 months | $500 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-23T02:09:57.000Z | [Snapshot 847](https://apyledger.com/snapshots/847) |
| Certificate | standard | 9 months | $500 | 4.00% | Not ZIP-priced | −0.48% | 2026-10-23T02:09:57.000Z | [Snapshot 847](https://apyledger.com/snapshots/847) |
| Certificate | standard | 12 months | $500 | 4.25% | Not ZIP-priced | −0.32% | 2026-10-23T02:09:57.000Z | [Snapshot 847](https://apyledger.com/snapshots/847) |
| Certificate | standard | 18 months | $500 | 4.15% | Not ZIP-priced | −0.57% | 2026-10-23T02:09:57.000Z | [Snapshot 847](https://apyledger.com/snapshots/847) |
| Certificate | standard | 24 months | $500 | 4.15% | Not ZIP-priced | −0.72% | 2026-10-23T02:09:57.000Z | [Snapshot 847](https://apyledger.com/snapshots/847) |
| Certificate | standard | 36 months | $500 | 3.75% | Not ZIP-priced | −1.20% | 2026-10-23T02:09:57.000Z | [Snapshot 847](https://apyledger.com/snapshots/847) |
| Certificate | standard | 48 months | $500 | 3.75% | Not ZIP-priced | −1.23% | 2026-10-23T02:09:57.000Z | [Snapshot 847](https://apyledger.com/snapshots/847) |
| Certificate | standard | 60 months | $500 | 3.75% | Not ZIP-priced | −1.26% | 2026-10-23T02:09:57.000Z | [Snapshot 847](https://apyledger.com/snapshots/847) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.