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Source: https://www.firstcommunity.com/services-tools/tools/rates.html
Read: 2026-10-22T16:22:03.000Z

Rates | First Community CU | St. Louis, MO | Chesterfield, MO | St. Charles, MO section of webpage --> Skip to content
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings.
Balance | Dividend Rate | APY
0 - $25,000 | 3.45% | 3.51%
$25,000+ | 0.10% | 3.51-0.77%
All balances if qualifications not met | 0.10% | 0.10%
Product | Minimum to Open and Obtain APY | APY | Compounding and Crediting Frequency
Share Savings a | $1 / $100 | 0.25% | Quarterly
Secondary Share a | $0 / $100 | 0.25% | Quarterly
Business Savings a | $1 / $100 | 0.25% | Quarterly
Club Account a | $0 / $100 | 0.25% | Quarterly
Individual Retirement Accounts (IRA) a | $0/ $100 | 0.25% | Quarterly
Health Savings Accounts (HSA) b | $1 / $25 | 3.05% | Monthly
Youth Savers a | $1 / $25 | 0.25% | Quarterly
a. The APY is the anticipated APY for the quarter.
Minimum to Obtain APY | APY | Compounding and Crediting Frequency
$1,000 - $24,999 | 2.30% | Monthly
$25,000 - $49,999 | 2.90% | Monthly
$50,000 or more | 3.05% | Monthly
Term | Minimum to Open | APY | Compounding and Crediting Frequency
6 month | $500 | 3.75% | Maturity
12 month | $500 | 4.00% | Maturity
15 month | $500 | 3.75% | Quarterly
18 month | $500 | 3.75% | Semi-annually
24 month | $500 | 3.55% | Annually
36 month | $500 | 3.55% | Annually
48 month | $500 | 3.55% | Annually
60 month | $500 | 3.50% | Annually
72 month | $500 | 2.80% | Annually
Minimum to Open and Obtain APY | APY | Compounding and Crediting Frequency
$0 / $1,000 | 0.10% | Monthly
Term | APR
36 months; min. $500 | as low as 4.75%
48-60 months | as low as 4.99%
61-72 months | as low as 5.50%
73-84 months; min. $25,000 | as low as 6.50%
Term | APR
36 months; min. $500 | as low as 4.75%
48-60 months | as low as 4.99%
61-72 months | as low as 5.50%
73-84 months; min. $25,000 | as low as 6.50%
Loan Type | Terms | APR
New & Used Motorcycles | up to 60 months | as low as 6.50%
New & Used Motorcycles | 72 months; minimum $20,000 | as low as 6.99%
ATVs, Boats, RVs, and campers | up to 60 months; used rates + 1% | as low as 6.25%
ATVs, Boats, RVs, and campers | 61 - 84 months; used rates + 1% | as low as 7.50%
ATVs, Boats, RVs, and campers | 85 - 120 months; used rates + 1% | as low as 8.50%
Loan Type | Term | APR
Vacation/Holiday Loan | up to 12 months | as low as 9.00%
Member's Choice (Signature Loan) | up to 60 months | as low as 10.45%
The Wedding Loan (Signature Loan) | up to 60 months | as low as 8.25%
New You Loan | up to 60 months | as low as 10.45%
Overdraft Protection Line of Credit | $35/month per $1000 | 12.95%
Stock Secured | up to 60 months or one payment note renewable every 6 months | 6.00%
Share Secured | up to 12 months or one payment note renewable every 6 months | Share rate + 2%
Certificate Secured | up to 60 months or one payment note renewable every 6 months, not to exceed maturity | CD rate + 2%
Loan Type | Term | APR
First Line Equity | 10 year amortization | 7.74%
Choice Equity | 10 year amortization | 8.00%
Choice Equity | 15 year amortization | 8.25%
Home Improvement Loan | 120 months | 8.00%
*$1 share deposit required. Must qualify for membership. Subject to credit approval. Missouri and Illinois residents only. HE rate adjusts quarterly to the Prime Rate as published in the Wall Street Journal plus .74%. That rate is currently 7.00%. The maximum APR that may apply is 18.00%. NMLS ID # 684198. Federally insured by NCUA. Equal Housing Lender.