What are the current interest rates at 1st Community Credit Union?

Current rates for 1st Community Credit Union include: 12-Month CD: 3.72%, 18-Month CD: 3.20%, 24-Month CD: 3.10%, 60-Month CD: 3.25%, Savings: 0.10%, MMA: 0.20%

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1st Community Credit Union Rates & Review August 2026

Item: 1st Community Credit Union
Rating: 5515
Author: Irrf

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

1st Community Credit Union's 36-MONTH TEEN CD SPECIAL rates are at 5.13%, 60-MONTH YOUTH CD SPECIAL rates are at 4.60%, 10-Month Anniversary CD Special rates are at 4.00%, 12 Month Jumbo CD rates are at 3.77%, 12 Mo rates are at 3.72%. 1st Community Credit Union's savings rates are at 0.10%. 1st Community Credit Union's money market rates are at 0.20%. 1st Community Credit Union's Personal Loan Rates are at 4.49%. MonitorBankRates evaluates the financial stability of 1st Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.67%. Rates last updated and verified on 08/28/2026.

1st Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 1st Community Credit Union? Share your experience about 1st Community Credit Union by leaving a review below, or read customer reviews before you decide to use 1st Community Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.67%

Excellent Lower than avg

1st Community Credit Union
1st CCU Sparta

1000 W Wisconsin St
Sparta, WI 54656 2230

https://www.1stccu.com

1st Community Credit Union CD Rates

Product	Rate	APY	Term
36-MONTH TEEN CERTIFICATE SPECIAL	5.00%	5.13%	36 months
Min Deposit $500 Details FOR AGES 13-15 YEARS OLD; Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
60-MONTH YOUTH CERTIFICATE SPECIAL	4.50%	4.60%	60 months
Min Deposit $500 Details FOR AGES 0-12 YEARS OLD; Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
10-Month Anniversary CD Special	3.92%	4.00%	10-Month
Min Deposit $1,000 Details At maturity the 10-month Share Certificate will auto-renew to a 12-month term. $500 for minors. Limited time offer; will end without warning. Rates are subject to change at any time. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity; A 90-Day penalty will be imposed for withdrawals before maturity. Dividend paid at maturity. Contact 1st Community Credit Union for qualifications, restrictions, funds availability, terms and conditions. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
12 Month Jumbo Certificate	3.70%	3.77%	12 Month
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
12 Mo	3.65%	3.72%	12 Mo
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
12 month Share Certificate	3.65%	3.72%	12 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
18 Month Jumbo Certificate	3.20%	3.25%	18 Month
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
36 Month Jumbo Certificate	3.20%	3.25%	36 Month
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
48 Month Jumbo Certificate	3.20%	3.25%	48 Month
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
60 Month Jumbo Certificate	3.20%	3.25%	60 Month
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
18 Mo	3.15%	3.20%	18 Mo
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
36 Mo	3.15%	3.20%	36 Mo
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
48 Mo	3.15%	3.20%	48 Mo
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
60 Mo	3.15%	3.20%	60 Mo
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
18 month Share Certificate	3.15%	3.20%	18 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
24 Month Jumbo Certificate	3.10%	3.15%	24 Month
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
24 Mo	3.05%	3.10%	24 Mo
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
30 Mo	3.05%	3.10%	30 Mo
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
24 month Share Certificate	3.05%	3.10%	24 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
6 month Share Certificate	2.75%	2.79%	6 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

1st Community Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.15%	0.15%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Ultimate Savings	0.15%	0.15%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Regular Share Savings	0.10%	0.10%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Ultimate Savings	0.10%	0.10%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

1st Community Credit Union Money Market Rates

Product	Rate	APY
Money Market	2.20%	2.22%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market	1.70%	1.71%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market	1.30%	1.31%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market	1.10%	1.11%
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Money Market	0.20%	0.20%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

1st Community Credit Union Checking Rates

Product	Rate	APY
1st Rewards Checking	3.25%	3.30%
Min Balance $0 Details Qualifications Required: 15 debit card purchases; eStatements; 1 direct/ACH deposit; Reward earned on balances less than $15,000.01 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
1st Rewards Checking	0.25%	0.25%
Min Balance $15,000 Details Qualifications Required: 15 debit card purchases; eStatements; 1 direct/ACH deposit; Reward earned on balances $15,000.01 and greater when 1st Rewards requirements are met Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

1st Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Used 2022-2026 Vehicles Loan	-	-	4.49%	24 Mo
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used 2022-2026 Vehicles Loan	-	-	4.64%	36 Mo
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used 2022-2026 Vehicles Loan	-	-	4.79%	48 Mo
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used 2022-2026 Vehicles Loan	-	-	4.94%	60 Mo
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New 2022-2027 Rec Vehicle Loan	-	-	4.99%	24 Months
Details Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New 2022-2027 Rec Vehicle Loan	-	-	5.14%	36 Months
Details Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used 2016-2021 Vehicle Loan	-	-	5.24%	24 Mo
Details Older vehicle loans not eligible for discounts; minimum loan amount $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used 2022-2026 Vehicles Loan	-	-	5.24%	72 Mo
Details Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New 2022-2027 Rec Vehicle Loan	-	-	5.29%	48 Months
Details Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used 2016-2021 Vehicle Loan	-	-	5.39%	36 Mo
Details Older vehicle loans not eligible for discounts; minimum loan amount $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New 2022-2027 Rec Vehicle Loan	-	-	5.44%	60 Months
Details Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used 2016-2021 Rec Vehicles Loan	-	-	5.49%	24 Months
Details Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used 2016-2021 Vehicle Loan	-	-	5.54%	48 Mo
Details Older vehicle loans not eligible for discounts; minimum loan amount $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used 2016-2021 Rec Vehicles Loan	-	-	5.64%	36 Months
Details Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used 2016-2021 Vehicle Loan	-	-	5.69%	60 Mo
Details Older vehicle loans not eligible for discounts; minimum loan amount $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New 2022-2027 Rec Vehicle Loan	-	-	5.74%	72 Months
Details Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used 2016-2021 Rec Vehicles Loan	-	-	5.79%	48 Months
Details Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used 2016-2021 Rec Vehicles Loan	-	-	5.94%	60 Months
Details Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New 2022-2027 Rec Vehicle Loan	-	-	5.99%	84 Months
Details Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New Commercial & Ag Vehicles/Equipment Loan	-	-	6.24%
Details Loans $50,000+ = As low as 6.24% APR; Loans under $50,000 = As low as 6.74% APR Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used 2016-2021 Rec Vehicles Loan	-	-	6.24%	72 Mo
Details Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New Commercial & Ag Vehicles/Equipment Loan	-	-	6.74%
Details Loans $50,000+ = As low as 6.24% APR; Loans under $50,000 = As low as 6.74% APR; 20% down payment is required for secured Commercial and Ag Loans. You may be asked to provide 2 years of Tax Returns and a Year-To-Date Income Statement. All loans are subject to credit approval. Restrictions may apply. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. NMLS 411004. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
New 2022-2027 Rec Vehicle Loan	-	-	6.99%	120 Months
Details Some restrictions apply for terms that are 72 months and higher. See a loan officer for qualifications. Rates posted here are the lowest available to qualified borrowers. Your rate may be higher and will be determined by the loan type, model year, terms, amount financed, and your credit history. Rates are subject to change at any time. All loans are subject to credit approval. Restrictions may apply. Some terms may contain a balloon. Contact a loan officer for full details. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used Commercial & Ag Vehicles/Equipment Loan	-	-	6.99%
Details Loans $50,000+ = As low as 6.99% APR; Loans under $50,000 = As low as 7.49% APR Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Used Commercial & Ag Vehicles/Equipment Loan	-	-	7.49%
Details Loans $50,000+ = As low as 6.99% APR; Loans under $50,000 = As low as 7.49% APR; 20% down payment is required for secured Commercial and Ag Loans. You may be asked to provide 2 years of Tax Returns and a Year-To-Date Income Statement. All loans are subject to credit approval. Restrictions may apply. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. NMLS 411004. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Older Vehicles Loan	-	-	9.90%	24 Mo
Details Older vehicle loans not eligible for discounts; minimum loan amount $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Older Vehicles Loan	-	-	10.15%	36 Mo
Details Older vehicle loans not eligible for discounts; minimum loan amount $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Older Vehicles Loan	-	-	10.65%	48 Mo
Details Older vehicle loans not eligible for discounts; minimum loan amount $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%
Older Vehicles Loan	-	-	11.40%	60 Mo
Details Older vehicle loans not eligible for discounts; minimum loan amount $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

1st Community Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	9.40%
Details All loans are subject to credit approval. Some restrictions may apply. Rates subject to change at any time without warning. Membership eligibility required: Anyone who lives or works in Monroe, La Crosse, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.67%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for 1st Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather 1st Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 1st Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name 1st Community Credit Union

Website https://www.1stccu.com

Address 1000 W Wisconsin St, Sparta, WI 54656 2230

Phone 608-269-8121

Fax 608-269-1074

President Wendy Whitehead

CEO Brad Bauges

Full-Time Employees 49

Part-Time Employees 5

Branch Locations 5

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.67%

Return on Assets (ROA)

0.8951%

Return on Equity (ROE)

9.1186%

Non-Performing Loans Ratio (NPL)

0.58%

Total Assets

270,883,751

Total Amount of Shares and Deposits

240,327,551

Total Shares and Deposits < 1 Year

232,316,845

Total Shares and Deposits 1 3 Years

5,240,023

Total Shares and Deposits > 3 Years

2,770,683

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

10,221,606

Total Uninsured Shares and Deposits > $250K (F+J)

10,221,606

Total Insured Shares and Deposits > $250K (item 17 less item K)

230,105,945

Total Interest Expense (Sum of items 6 8)

3,494,101

Share Certificates

2,756

Number of Accounts for Share Drafts

10,356

IRA KEOGH Accounts

975

Number of Accounts for Regular Shares

20,774

Money Market Shares

761

Net Income (unless the amount is already included in Undivided Earnings)

2,424,753

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,620,151

Total Liabilities

244,995,911

Source: NCUA — Last Updated 09/30/2025

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Customer Reviews

Irrf

★★★★★

December 17, 2025

PUvn

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Average Rating

★★★★★

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Frequently Asked Questions About 1st Community Credit Union

How many branches does 1st Community Credit Union operate?

1st Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join 1st Community Credit Union?

Yes, to access services at 1st Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, 1st Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 1st Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does 1st Community Credit Union offer online and mobile banking?

Most modern institutions like 1st Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.1stccu.com.