--- title: "First Class Community Credit Union Rates (Nov 2026): CDs to 3.28%" description: "First Class Community Credit Union rates today: savings & CDs up to 3.28% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join First Class Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/iowa/first-class-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # First Class Community Credit Union Rates (Nov 2026): CDs to 3.28% ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 6.000% | — | Standard | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.500% | — | Standard | First Class Community Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 9.490% | — | Standard | First Class Community Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Youth Share (Age 0-12)** savings | — APY | 0.10% | — | Eligibility restricted | | **Individual Retirement Account** ira | — APY | 0.20% | — | Standard | | **Money Market** money_market | — APY | 0.60% | — | Standard | | **IRA / Share Certificates (48 Month)** ira_cd_48mo | 2.01% APY | 2.00% | 48 mo | Standard | | **IRA / Share Certificates (24 Month)** ira_cd_24mo | 2.26% APY | 2.24% | 24 mo | Standard | | **IRA / Share Certificates (36 Month)** ira_cd_36mo | 2.26% APY | 2.24% | 36 mo | Standard | | **IRA / Share Certificates (12 Month)** ira_cd_12mo | 3.28% APY | 3.24% | 12 mo | Standard | First Class Community Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Featured Rates** other | — % | 4.490% | — | Standard | First Class Community Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 3.28% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/iowa/first-class-community) , verified from [First Class Community Credit Union's official website](https://gofirstclass.org/) Loading branch locator… ## About First Class Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 6.9K Assets $96.5M Founded 1925 Locations reported 2 NCUA charter 64231 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Veridian** EP True · West Des Moines · IA · 50265 About 2.2 miles away](https://rateapi.dev/credit-unions/iowa/veridian) [**Collins Community** Mills Civic Branch · West Des Moines · IA · 50266-8004 About 2.6 miles away](https://rateapi.dev/credit-unions/iowa/collins-community) [**Marine** West Des Moines · West Des Moines · IA · 50265 About 3.4 miles away](https://rateapi.dev/credit-unions/wisconsin/marine) [**Greenstate** West Des Moines - Jordan Creek · West Des Moines · IA · 50266 About 3.7 miles away](https://rateapi.dev/credit-unions/iowa/greenstate) [**Greater Iowa** Westown Branch · West Des Moines · IA · 50266-1407 About 3.8 miles away](https://rateapi.dev/credit-unions/iowa/greater-iowa) [**Financial Plus** West Des Moines · West Des Moines · IA · 50266-1416 About 4.0 miles away](https://rateapi.dev/credit-unions/iowa/financial-plus) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join First Class Community Credit Union Membership eligibility from First Class Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on First Class Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location polk, woodbury — IA - Employer USPS Verified from [First Class Community Credit Union's membership page](https://gofirstclass.org/about-us/who-can-join/) . Final membership determination is always made by the credit union. ## Membership rules for First Class Community Credit Union Geography 2 counties · Employers 5 published paths to membership, last verified November 8, 2026, quoted from First Class Community Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Polk County, IA - Woodbury County, IA “If you live or work in Polk County, IA or a contiguous county” > [source ↗](https://gofirstclass.org/about-us/who-can-join/) ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of USPS “or are a USPS employee in the State of Iowa” > [source ↗](https://gofirstclass.org/about-us/who-can-join/) - Employee of USPS Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for First Class Community Credit Union? Yes No ## Work at First Class Community Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where First Class Community Credit Union ranks against Iowa peers. - See which AI assistants fetched First Class Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Iowa - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=first-class-community&state=iowa&code=IA&name=First%20Class%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does First Class Community Credit Union offer? First Class Community Credit Union currently offers HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are First Class Community Credit Union rates updated? RateAPI verifies First Class Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get First Class Community Credit Union's rate data? Rate data is collected directly from First Class Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is First Class Community Credit Union's best CD rate? As of November 12, 2026, First Class Community Credit Union offers savings and certificate (CD) yields up to 3.28% APY. ### Who can join First Class Community Credit Union? First Class Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 5 published membership paths covering 2 counties and 1 employer for First Class Community Credit Union, each quoted from First Class Community Credit Union's own published membership criteria. ## Related Rate Data Compare First Class Community Credit Union's rates against national credit-union benchmarks. [More Iowa credit unions](https://rateapi.dev/credit-unions/iowa) [Iowa HELOC rate leaders](https://rateapi.dev/heloc-rates/iowa) [Iowa personal loan leaders](https://rateapi.dev/personal-loan-rates/iowa) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://gofirstclass.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track First Class Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Iowa credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for First Class Community Credit Union curl "https://api.rateapi.dev/credit-unions/iowa /first-class-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## First Class Community Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/iowa/first-class-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp