Savings Rates - First Commonwealth Credit Union

Table data for Certificate Rates
As of December 1, 2024
Term	Dividend Rate ¹	APY ²
3 Months	4.17%	4.25%

6 Months	4.17%	4.25%

9 Months	4.17%	4.25%

12 Months	3.69%	3.75%

18 Months	3.20%	3.25%

24 Months	3.20%	3.25%

36 Months	3.20%	3.25%

48 Months	3.20%	3.25%

60 Months	3.20%	3.25%

Table data for Certificate Rates

As of December 1, 2024

Term

Dividend Rate ¹

APY ²

3 Months

4.17%

4.25%

6 Months

4.17%

4.25%

9 Months

4.17%

4.25%

12 Months

3.69%

3.75%

18 Months

3.20%

3.25%

24 Months

3.20%

3.25%

36 Months

3.20%

3.25%

48 Months

3.20%

3.25%

60 Months

3.20%

3.25%

Table data for IRA Share Certificate Rates
As of December 1, 2024
Term	Dividend Rate ¹	APY ³
3 Months	4.17%	4.25%

6 Months	4.17%	4.25%

9 Months	4.17%	4.25%

12 Months	3.69%	3.75%

18 Months	3.20%	3.25%

24 Months	3.20%	3.25%

36 Months	3.20%	3.25%

48 Months	3.20%	3.25%

60 Months	3.20%	3.25%

Table data for IRA Share Certificate Rates

As of December 1, 2024

Term

Dividend Rate ¹

APY ³

3 Months

4.17%

4.25%

6 Months

4.17%

4.25%

9 Months

4.17%

4.25%

12 Months

3.69%

3.75%

18 Months

3.20%

3.25%

24 Months

3.20%

3.25%

36 Months

3.20%

3.25%

48 Months

3.20%

3.25%

60 Months

3.20%

3.25%

Table data for Money Market Account Rates
As of December 1, 2024
Type	Balance	Dividend Rate	APY ⁴
Money Market/Youth Money Market/Money Market IRA	Less than $10,000	0.50%	0.50%

	$10,000 - $24,999.99	0.50%	0.50%

	$25,000 - $49,999.99	0.50%	0.50%

	$50,000 - $99,999.99	1.00%	1.00%

	$100,000 - $249,999.99	1.00%	1.00%

	$250,000 - $499,999.99	1.00%	1.00%

	$500,000 - $999,999.99	1.00%	1.00%

	Greater than $1,000,000	1.00%	1.00%

Table data for Money Market Account Rates

As of December 1, 2024

Type

Balance

Dividend Rate

APY ⁴

Money Market/Youth Money Market/Money Market IRA

Less than $10,000

0.50%

$10,000 - $24,999.99

0.50%

$25,000 - $49,999.99

0.50%

$50,000 - $99,999.99

1.00%

$100,000 - $249,999.99

1.00%

$250,000 - $499,999.99

1.00%

$500,000 - $999,999.99

1.00%

Greater than $1,000,000

1.00%

Table data for Savings Account Rates
As of December 1, 2024
Type	Minimum Balance	Dividend Rate	APY ⁵
Savings	$5	0.01%	0.01%

Club Account	None	0.01%	0.01%

IRA Savings	None	0.01%	0.01%

Health Savings	$10,000.00 or greater	0.02%	0.02%

	$1,500.00 - $9,999.99	0.01%	0.01%

	$1,499.99 or below	0.01%	0.01%

Table data for Savings Account Rates

As of December 1, 2024

Type

Minimum Balance

Dividend Rate

APY ⁵

Savings

0.01%

Club Account

None

0.01%

IRA Savings

None

0.01%

Health Savings

$10,000.00 or greater

0.02%

$1,500.00 - $9,999.99

0.01%

$1,499.99 or below

0.01%

Disclosures

¹ The dividend rate will be paid until the certificate matures. Upon maturity of the certificate, unless you contact us prior to maturity, the certificate will automatically renew to the original term and at the current rate in effect at the time of maturity. A penalty will be applied for early withdrawal. $500 minimum balance to open.

² APY(s)=Annual Percentage Yield(s). Credit union membership required. Rates subject to change without notice. Subject to approval. Certain restrictions may apply. Certificates earn dividends. Minimum opening deposit of $500. Fees and other conditions may reduce earnings on these account(s). Early withdrawal penalties may apply. Early withdrawal penalties will be deducted from principal if the account has not earned enough dividends or dividends have already been paid. Federally insured by NCUA.

³ *APY(s)=Annual Percentage Yield(s).

⁴ APY(s)=Annual Percentage Yield(s). Dividend rates and APYs are variable and may change after the account is opened. Rates subject to change without notice. Certain restrictions may apply. Fees and other conditions may reduce earnings on these account(s). Credit union membership required. Tiered balances earn tiered rates.

⁵ APY(s)=Annual Percentage Yield(s). Credit union membership required. Savings rates are variable and may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings on these account(s). $5 in share account is required to establish membership. The entire balance of the Club account will be automatically transferred to the member's Savings account after the 12-month club period established by the member at the time of account opening. The account will remain open for subsequent club periods. During each club period, a member may make one withdrawal from their account. Upon a second withdrawal during the same club period, the member's account will be closed, and a fee will be charged as disclosed in the Fee Schedule. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened.

Certificates & Savings Rates