Current Offer

We CU!

At 1st CCU, you're not just seen - you're supported. We CU striving, sacrificing, succeeding.  And we're here to help you reach your goals, every step of the way.

*APR=Annual Percentage Rate. 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, term, amount financed, and your credit history. Rates are subject to change. All loans are subject to credit approval. Restrictions may apply. (Some restrictions apply for terms 72 months and higher) See a loan officer for qualifications and all available rates and terms.

¹ To be eligible, the new membership savings account must be opened by a qualifying member who does not already have an existing 1st CCU account. To satisfy the requirements of the offer, you must open the new membership account between January 2, 2026 through March 31, 2026. 1st CCU will donate $10 on behalf of every qualifying new membership account; the local Boys & Girls Clubs receiving the donations will be chosen at the discretion of 1st CCU. Contact 1st CCU for complete details about 1st CCU, our products and services, current rates, and membership qualifications.  Federally insured by NCUA.

² 1st Rewards Checking is subject to account approval. Some restrictions apply. Rates shown are the most current published rates and could change at any time without warning. To qualify for the 1st Rewards dividend rates shown, as well as up to $20.00 in ATM refunds per qualification cycle, you must meet three account requirements: (1) Post at least 15 debit card purchases to your 1st Rewards Checking account monthly; (2) Receive eStatements monthly; (3) Receive at least one direct/ACH deposit posted to your account monthly. When your 1st Rewards Checking qualifications have not been met the dividend paid on the entire balance will be 0.05% APY and you will not receive ATM surcharge refunds. Debit Purchase transactions must post to and settle on your 1st Rewards Checking account during the calendar month in order to receive the Rewards. We post purchases to your account when we receive them from the merchant, and that may occur one or more days after the purchase date. Purchases that have been initiated but not posted as of the end of the cycle will not count as a qualifying transaction for that cycle (but will count in the following cycle when they post). Limit of one 1st Rewards Checking Account per member account. Business checking accounts do not qualify. If you close your 1st Rewards Checking account before the end of the calendar month (statement cycle) you will forfeit any ATM fee refunds. Limit of up to $20.00 in ATM refunds per qualification cycle. Statement and Dividend cycles are monthly. Fees may reduce earnings. Federally insured by NCUA. Membership eligibility required.

³ A foreign ATM refers to any ATM that is not hosted by 1st Community Credit Union. 1st CCU has four ATMS, located at the Sparta drive-up, West Salem drive-up, Tomah drive-up, and West Salem High School. Any other ATM would be considered a foreign ATM.

Membership eligibility: Anyone living or working in the counties of La Crosse, Monroe, Vernon, Crawford, Trempealeau, Jackson, Buffalo, Eau Claire, Clark, Wood, Juneau, Adams, Sauk, and Richland are eligible to join 1st CCU. Immediate family members of existing 1st CCU members are also eligible to join.