# First Community Credit Union (Missouri) CD and share certificate rates

As of October 22, 2026, First Community Credit Union (Missouri)'s highest tracked CD (share certificate) rate is 4.00% APY on a 12-month CD ($500 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.80% to 4.00% APY.

Canonical page: https://apyledger.com/cd-rates/first-community-credit-union-missouri
Institution: First Community Credit Union (NCUA 67619)
Aliases: 
Status: live
Last verified: 2026-10-22T16:22:03.000Z (October 22, 2026)
Official source: https://www.firstcommunity.com/services-tools/tools/rates.html
Coverage: Membership required (Missouri and Illinois). Share certificates from 6 to 72 months with a $500 minimum opening deposit; dividend crediting frequency varies by term. 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 of Deposit (CD) | standard | 6 months | $500 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-22T16:22:03.000Z | [Snapshot 342](https://apyledger.com/snapshots/342) |
| Certificate of Deposit (CD) | standard | 12 months | $500 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T16:22:03.000Z | [Snapshot 342](https://apyledger.com/snapshots/342) |
| Certificate of Deposit (CD) | standard | 15 months | $500 | 3.75% | Not ZIP-priced | −0.90% | 2026-10-22T16:22:03.000Z | [Snapshot 342](https://apyledger.com/snapshots/342) |
| Certificate of Deposit (CD) | standard | 18 months | $500 | 3.75% | Not ZIP-priced | −0.97% | 2026-10-22T16:22:03.000Z | [Snapshot 342](https://apyledger.com/snapshots/342) |
| Certificate of Deposit (CD) | standard | 24 months | $500 | 3.55% | Not ZIP-priced | −1.32% | 2026-10-22T16:22:03.000Z | [Snapshot 342](https://apyledger.com/snapshots/342) |
| Certificate of Deposit (CD) | standard | 36 months | $500 | 3.55% | Not ZIP-priced | −1.40% | 2026-10-22T16:22:03.000Z | [Snapshot 342](https://apyledger.com/snapshots/342) |
| Certificate of Deposit (CD) | standard | 48 months | $500 | 3.55% | Not ZIP-priced | −1.43% | 2026-10-22T16:22:03.000Z | [Snapshot 342](https://apyledger.com/snapshots/342) |
| Certificate of Deposit (CD) | standard | 60 months | $500 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T16:22:03.000Z | [Snapshot 342](https://apyledger.com/snapshots/342) |
| Certificate of Deposit (CD) | standard | 72 months | $500 | 2.80% | Not ZIP-priced | −2.25% | 2026-10-22T16:22:03.000Z | [Snapshot 342](https://apyledger.com/snapshots/342) |

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.