First Spending & First Savings

*Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. See our website for specific Monthly Qualification Cycle dates. When your First Spending account qualification is met during a Monthly Qualification Cycle, daily balances up to and including $1,000 in your First Spending account earn a dividend rate of 4.88% resulting in an APY* of 5.00%; and daily balances over $1,000 earn a dividend rate of 0.50% on the portion of the daily balance over $1,000, resulting in a range from 5.00% to 0.54% APY depending on the account's daily balance. In addition, daily balances up to and including $5,000 in your First Savings account earn a dividend rate of 2.96% resulting in an APY of 3.00%; and daily balances over $5,000 earn a dividend rate of 0.50% on the portion of the daily balance over $5,000, resulting in a range from 3.00% to 1.75% APY depending on the First Savings account's daily balance. When your First Spending qualification is not met, the dividend rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05%. In addition, the entire daily balance in the First Savings account earns a dividend rate of 0.05% resulting in an annual percentage yield of 0.05%. Dividends will be credited to your First Spending and First Savings accounts on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 12/03/2025. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. A First Spending account is required to have a First Savings account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA.