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First Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.firstcu.net
480-756-5500
25 S Arizona Pl Ste 111
Chandler, AZ 85225

First Credit Union is headquartered in Chandler and is the 10th largest credit union in the state of Arizona. It is also the 569th largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 144 employees and 44,207 members at 8 locations. First Credit Union's CD rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in First Credit Union is open to those who live, work, or worship within a ten mile radius of any First Credit Union branch. Employees and retirees of several SEG are eligible to join. Immediate family members and household members of current First Credit Union members also qualify.
See current membership details

Reviews (2)

They Refused To Return Funds From Fraudulent Activity

Posted by: |

I reported fraudulent activity to FCU after I saw the charges on my account in Dec. '24. Over $300 in charges, including bank fees for transferring money from my savings to checking to cover the fraudulent charges. I've been waiting for them to resolve it and today, after I followed up with them again yesterday, they told me it's more than 60 days so they won't process my fraud claims. And although we processed 2 of my disputes they didn't do the others and they're saying I didn't file disputes. This makes no sense because they processed 2, what about the other 10 forms I filled out? I knew they didn't want to process them when I went in because they told me I needed to reach out to Uber first then if they didn't refund me they would start their process. When Uber finally responded to me I took the email in and they said they would start the process. No mention of what they are saying now... It's more than 60 days. It's my fault for staying with them after a lady walked in wearing a hat and large sunglasses with a fake ID with my name and l told them she couldn't remember her account number, so the teller literally helped her find my account and gave her $500 out of my account without asking my safe word and without noticing that my last name wasn't correct in the ID. I feel like they are committing fraud against me all over again! When will financial institutions be held accountable and made to do the right thing for their customers. Well, enjoy your bonuses knowing that you participated in fraud against a single mother.

1

Don't Waste Your Time

Posted by: |

I wanted to open a $200K IRA with First Credit Union, meaning I wanted to lend them MY money for a while. I was not asking to borrow THEIR money.

I do business with many banks and credit unions and have never been refused an account.

Not the case here, though. I was refused membership. Why? Because ChexSystems shows multiple inquiries. Why? Because I use many banks/CUs to hold my assets (due to NCUA and FDIC insurance limits).

Contrary to common sense, higher net worth customers who diversify their assets are apparently considered "undesirable" by First Credit Union. My FICO score is >820, my debt is zero, and my net worth is several $M.

Why pretend to have a banking business when you make zero effort, while making your customers jump through hoops for the privilege of letting you hold their money?

Heed my warning. Stay far away unless you are looking for a $1200 loan on a 1995 Toyota Tercel beater with 300K miles, in which case you may qualify as "preferred" clientele. You may be borrowing at 50% annual interest, though.

Feel free to contact me for further details. Click on my name and then "Send PM".

2


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68444
Year Chartered1935
Employees144
Primary Regulator
Profit Margin
Return on Assets - YTD-0.08%
Return on Equity - YTD-1.07%
Annual Interest Income$9.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$766MM$729.4MM
LoansQ1 2025vs Q1 2024$447.7MM$391.3MM
DepositsQ1 2025vs Q1 2024$675.5MM$617.1MM
Equity CapitalQ1 2025vs Q1 2024$58.3MM$55MM
Loan Loss AllowanceQ1 2025vs Q1 2024$7MM$4.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.7MM$3.8MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not First Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$0-HSA Accumulation
0.15%$5-Regular Share Savings
0.15%$5-Business Share Savings

First Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$250k*-Money Market
OTHER TIERS: 0.30% → $0 - $10k | 0.40% → $10k - $25k | 0.55% → $25k - $50k | 0.80% → $50k - $100k | 1.15% → $100k - $250k
1.50%*$250k*-Business Money Market
OTHER TIERS: 0.30% → $0 - $10k | 0.40% → $10k - $25k | 0.55% → $25k - $50k | 0.80% → $50k - $100k | 1.15% → $100k - $250k

First Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$100k*-Business Premier Checking
OTHER TIERS: 0.25% → $2.5k - $50k | 0.35% → $50k - $100k
0.25%*$2.5k*$10kSunshine Checking
OTHER TIERS: 0.19% → $10k+

First Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.40%$25$3k1 Year Save to Win CD
4.25%*$50k*-1 Year HSA Certificate
OTHER TIERS: 4.15% → $500 - $25k | 4.20% → $25k - $50k
4.15%*$50k*-6 Month Term Certificate
OTHER TIERS: 4.00% → $500 - $10k | 4.05% → $10k - $25k | 4.10% → $25k - $50k
4.10%*$50k*-1 Year Term Certificate
OTHER TIERS: 3.95% → $500 - $10k | 4.00% → $10k - $25k | 4.05% → $25k - $50k
3.75%*$50k*-2 Year HSA Certificate
OTHER TIERS: 3.65% → $500 - $25k | 3.70% → $25k - $50k
3.60%*$50k*-2 Year Term Certificate
OTHER TIERS: 3.45% → $500 - $10k | 3.50% → $10k - $25k | 3.55% → $25k - $50k
3.45%*$50k*-3 Year HSA Certificate
OTHER TIERS: 3.35% → $500 - $25k | 3.40% → $25k - $50k
3.35%*$50k*-5 Year HSA Certificate
OTHER TIERS: 3.25% → $500 - $25k | 3.30% → $25k - $50k
3.30%*$50k*-3 Year Term Certificate
OTHER TIERS: 3.15% → $500 - $10k | 3.20% → $10k - $25k | 3.25% → $25k - $50k
3.20%*$50k*-5 Year Term Certificate
OTHER TIERS: 3.05% → $500 - $10k | 3.10% → $10k - $25k | 3.15% → $25k - $50k

First Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%*$50k*-1 Year IRA Certificate
OTHER TIERS: 4.15% → $500 - $25k | 4.20% → $25k - $50k
3.75%*$50k*-2 Year IRA Certificate
OTHER TIERS: 3.65% → $500 - $25k | 3.70% → $25k - $50k
3.45%*$50k*-3 Year IRA Certificate
OTHER TIERS: 3.35% → $500 - $25k | 3.40% → $25k - $50k
3.35%*$50k*-5 Year IRA Certificate
OTHER TIERS: 3.25% → $500 - $25k | 3.30% → $25k - $50k
1.25%$0-IRA Accumlation Account
Locations


First Credit Union Locations
Branch Office803 E Devonshire AvePhoenix, AZ 85014
Branch Office25 S Arizona Pl Ste 111Chandler, AZ 85225
Branch Office340 S Stone AveTucson, AZ 85701
Branch Office1310 N Litchfield RdGoodyear, AZ 85395
Branch Office5770 W Thunderbird RdGlendale, AZ 85306
Branch Office1232 E Baseline RdTempe, AZ 85283
Branch Office3800 S Alma School RdChandler, AZ 85248
Branch Office475 N Gila Springs BlvdChandler, AZ 85226

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