Start a Saving Certificate for only $25 and enter to win monthly and quarterly prizes with each $25 deposit made to your account! 

Key Features

  • 12-Month Term
  • No Monthly Service Fee
  • Quarterly Prizes
  • Win up to $5,000 in quarterly prizes!
  • Start saving certificate with only $25
  • Motivates regular savings plan / automatic deposits
  • Enrollment period January 3 - April 28, 2023
  • Offers earning potential @ .35% APY*
  • Chance to win national, state-wide, and local prizes
  • Early enrollment gives you more chances to win prizes
  • Provides one withdrawal per 12-month term with a $25 fee
  • Renews automatically at maturity
  • No penalty at maturity to close account or withdraw savings
  • Is a safe, secure, and federally insured savings product

Official Rules

Local chance to win $100 each month!

In 2022, YOUR NAME could be posted right here as a First Central Credit Union member winner. All you have to do is start a "Save to Win" account with an amount of only $25, during the next enrollment period of January 3 through April 28, 2023.

JANUARY 2022 - Congratulations to Vela L. local First Central winner of $100!

FEBRUARY 2022 - Congratulations to Kristie L. local First Central winner of $100!

MARCH 2022 - Congratulations to Tevin C. local First Central winner of $100! Congratulations to Jeniva E. state monthly winner of $25; Jean S. national monthly winner of $500; Dana F. state quarterly winner of $500; Herbert P. state quarterly winner of $500; Alexander W. state quarterly winner of $1,000; and Jordan G. national quarterly winner of $500!

APRIL 2022 - Congratulations to Rosana R. local First Central winner of $100! Congratulations to Ericka V., Moises F., and Gilberto M. state monthly winners of $25 each!

MAY 2022 - Congratulations to Patricia G. local First Central winner of $100! Congratulations to Susan S. national monthly winner of $25, and both Maria P. and Lupeie R. state monthly winners of $25 each!

JUNE 2022 - Congratulations to Gloria D. local First Central winner of $100! Congratulations to  Lacey N. and Jean S. state monthly winners of $25 each; Elijah C. state quarterly winner of $500; and Tevin C. state quarterly winner of $1,000!

JULY 2022 - Congratulations to Elizabeth P. local First Central winner of $100! Congratulations to Diana G. and Stephanie S. state monthly winners of $25 each; and Jean S. and Shawn H. national monthly winners of $25 each!

AUGUST 2022 - Congratulations to Kathleen N. local First Central winner of $100! Congratulations to Amy C., Raymond C., Kathleen N., and Claudia P. -- state monthly winners of $25 each!

SEPTEMBER 2022 - Congratulations to Fabriola C. local First Central winner of $100! Congratulations to George J., and Lacey N. state monthly winners of $25 each; to Claudia P., Deane S., Susan S., and Israel V. national monthly winners of $25 each; and to our big winners David H., Adrian J., and James H. state quarterly winners of $500 each!  

OCTOBER 2022 - Congratulations to Maria G. local First Central winner of $100! Congratulations to Nancy D. state monthly winner of $25!

NOVEMBER 2022 - Congratulations to George J. local First Central winner of $100! Congratulations to Lacey N. $25 national monthly winner and Susan S., Willis W., and Jesse G. state monthly winners of $25 each! 

DECEMBER 2022 - Congratulations to Dulce S. local First Central winner of $100!

* APY = Annual percentage yield. CU Solutions Group 2017. All rights reserved. Void where prohibited by law. 

Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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Share Certificates CalculatorDisclaimer

A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total interest paid $0

Farm Equipment (New or Pre-owned)*

Maximum Amount Maximum Term Annual Percentage Rate
100% of purchase price; maximum amount not to exceed 72 months 1 - 72 months 7.55% - 18.00%

*Effective 1/20/2023.

Home Equity*

Maximum Term Annual Percentage Rate
5 years as low as 6.30% - 11.60%
7 years as low as 6.80% - 12.10%
10 years as low as 7.30% - 12.60%
15 years as low as 7.55% - 12.85%
20 years as low as 7.80% - 13.10%

*The rates charged on your loan are determined according to your credit history as reported by Experian. Your rate may be different from that of another member on the same type of loan. Home Equity Loan property must be located within a 200 mile radius of a branch location. Effective 1/20/2023.

IRA Savings

Account Type Dividend Rate APY
Regular, Roth & Educational 0.499% 0.50%

IRA Term Share Certificate

Term Minimum Dividend Rate APY
6 months $1,000 2.280% 2.30%
1 year $1,000 2.820% 2.85%
2 years $1,000 3.113% 3.15%
3 years $1,000 3.309% 3.35%
4 years $1,000 3.406% 3.45%
5 years $1,000 3.698% 3.75%

Penalty for early withdrawal. Effective 1/20/2023.

Kasasa Cash*

Balance Dividend Rate APY
Up to $10,000 3.928% 4.00%
Over $10,000 0.499% 4.00% to 0.82%
If qualifications are not met 0.05% 0.05%

Effective 12/01/22. To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 check card purchases post and settle
  • Enroll and receive e-statement notice
  • Be enrolled and log into online banking

Kasasa Saver*

Balance Dividend Rate APY
Up to $10,000 0.995% 1.00%
Over $10,000 0.499% 0.55% to 1.00%
If qualifications are not met 0.05% 0.05%

Effective 12/01/22. By qualifying for Kasasa Cash or Kasasa Cash Back, you automatically qualify for Kasasa Saver! Just make sure to do the following each monthly qualification cycle:

  • Have at least 12 check card purchases post and settle
  • Enroll and receive e-statement notice
  • Be enrolled and log into online banking

Lifestyle Credit Card

Annual Percentage Rate (APR) for Purchases (The APRs will vary with the market based on the Prime Rate)

Lifestyle
3.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
10.49% - 18.00%

APR for Balance Transfers

Lifestyle
3.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
12.49% - 18.00%

APR for Cash Advances

Lifestyle
3.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
12.49% - 18.00%

Money Market (First Fund)*

Balance Dividend Rate APY
$0 - $2,499.99 0.250% 0.25%
$2,500 - $24,999.99 0.499% 0.50%
$25,000 - $49,999.99 0.598% 0.60%
$50,000 - $99,999.99 0.698% 0.75%
$100,000 - $249,999.99 0.995% 1.00%
$250,000 and Greater 1.243% 1.25%

*Minimum balance is $2,500 to earn the higher interest rate. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month. First Fund (Money Market) has the following transaction limitations: no more than six (6) pre-authorized, automatic, or telephone transfers may be made from these accounts to a third party on any month, and no more than three (3) of these six (6) may be made by check, draft, or debit to a third party. Going over the withdrawal limits (more than three made by check, and or more than six total) may result in a $5 fee per item.

New Autos*

Maximum Term Annual Percentage Rate
1 - 36 months as low as 4.79% - 17.79%
37 - 48 months as low as 4.94% - 17.94%
49 - 66 months as low as 5.09% - 18.00%
67 - 72 months as low as 5.09% - 18.00%
73 - 84 months as low as 6.09% - 10.34%

Term available based on credit score. Effective 1/20/2023.

New Rec Vehicles*

Maximum Term Annual Percentage Rate
1 - 36 months as low as 6.29% - 18.00%
37 - 48 months as low as 6.44% - 18.00%
49 - 66 months as low as 6.59% - 18.00%
67 - 72 months as low as 6.59% - 18.00%
73 - 84 months as low as 7.59% - 11.84%

*Effective 01/20/2023. Term available based on credit score.

Personal Loans*

Type Maximum Amount Maximum Term Annual Percentage Rate
Small Dollar Personal Loan $800 and Below 1 - 6 months 13.50% - 28.00%
Personal $801 - $30,000 1 - 84 months 11.25% - 18.00%
Line of Credit / Overdraft Line of Credit $1 - $30,000 1 - 72 months 11.25% - 18.00%

*Small personal loans of $800 or less will incur a $20 application fee.

Pre-owned Autos*

Maximum Term Annual Percentage Rate
1 - 18 months ('14 & older) as low as 5.09% - 18.00%
24 - 30 months ('15 - '16) as low as 5.09% - 18.00%
36 - 42 months ('17 - '18) as low as 5.09% - 18.00%
48 - 60 months ('19 - '20) as low as 5.09% - 18.00%
60 - 72 months ('21 - '23) as low as 5.09% - 18.00%

*Classic Auto may be financed up to 24 months, or longer with approval from President

*Auto Refinance (External) - 2% lower than current interest rate to a floor of 5.09% with $5,000.00 or more financed.

*Fill in the GAP - What if the unexpected happened to your vehicle? Did you know that if your vehicle is stolen or totaled, you are still liable to pay the difference between your insurer's settlement and your loan balance? This "gap" unfortunately comes out of your pocket and could cost you thousands of dollars.

*If the term of the loan is extended, rates may be subject to a 1% APR increase.

*The rates charged on your loans are determined according to your credit history as reported by Experian. Your rate may be different from that of another member on the same type of loan.

*Used Autos: 6,000+ miles or have been titled. 100% NADA Retail to qualified borrowers.

*Effective 01/20/2023

Pre-owned Rec Vehicles*

Maximum Term Annual Percentage Rate
1 - 18 months ('14 & older) as low as 6.59% - 18.00%
24 - 30 months ('15 - '16) as low as 6.59% - 18.00%
36 - 42 months ('17 - '18) as low as 6.59% - 18.00%
48 - 60 months ('19 - '20) as low as 6.59% - 18.00%
60 - 72 months ('21 - '23) as low as 6.59% - 18.00%
Jet Skis Same as Personal Rates

*100-120% NADA Retail to qualifited borrowers. Recreational vehicle refinance (external) is 2% lower than current interest rate to a floor of 6.59% with $5,000.00 or more financed. Effective 01/20/2023.

Prestige Draft Accounts

Balance Dividend Rate APY
$500 - $2,499.99 0.150% 0.15%
$2,500 - $14,999.99 0.349% 0.35%
$15,000 and Greater 0.499% 0.50%

Share Accounts*

Account Type Dividend Rate APY
Regular Share Account 0.250% 0.25%
Dream Savings (Monthly) 0.250% 0.25%
Dream Club (Monthly) 0.250% 0.25%

*Regular Shares minimum balance is $5.00. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid quarterly on the daily balance. Interest is credited the last day of March, June, September, and December.

*Dream Savings Accounts are those called Special Savings, Vacation, Christmas, or any name you have given us to recognize the account as a special savings account. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month

*Regular Share and Dream Savings Accounts allow four (4) free withdrawals per month. A $3.00 fee will be charged for each withdrawal over four (4).

Share Draft Accounts

Account Type Dividend Rate APY
Super Saver Checking 0.050% 0.05%
Student Checking 0.050% 0.05%

Share Secured Loans

Type Maximum Amount Maximum Term Annual Percentage Rate
Secured w/Savings Total of Share Balance 1 - 24 months 4.50% - 10.50%
Secured w/Savings Total of Share Balance 25 - 60 months 5.00% - 11.00%
Secured w/ Certificate Face amount of Certificate 1 - 120 months 2% above yield

Term Share Certificate*

Term Minimum Dividend Rate APY
6 months $1,000 2.280% 2.30%
1 year $1,000 2.820% 2.85%
13 months* $1,000 3.455% 3.50%
2 years $1,000 3.113% 3.15%
25 months* $1,000 3.941% 4.00%
3 years $1,000 3.309% 3.35%
37 months* $1,000 3.941% 4.00%
4 years $1,000 3.406% 3.45%
49 months* $1,000 4.038% 4.10%
5 years $1,000 3.698% 3.75%
61 months* $1,000 4.184% 4.25%

Penalty for early withdrawal. Regular term share certificates of 24, 36, 48, or 60 months duration are eligible to adjust to higher current rate one time during length of certificate term, excluding special non-renewable terms of 13, 25, 37, 49 and 61 months. Effective 1/20/2023.

* Non-renewable.

VISA Credit Card

Annual Percentage Rate (APR) for Purchases (The APRs will vary with the market based on the Prime Rate)

Premium/Lifestyle Rewards Secured
6.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
11.74% - 18.00% 13.74% - 18.00% 16.24%

APR for Balance Transfers

Premium/Lifestyle Rewards Secured
6.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
13.74% - 18.00% 15.74% - 18.00% 18.00%

APR for Cash Advances

Premium/Lifestyle Rewards Secured
6.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
13.74% - 18.00% 15.74% - 18.00% 18.00%