Presidents Day1

FCB Banks will be closed on Monday, February 20th
in honor of President's Day.

Customer Service will be available from 8:00 am - 5:00 pm at (866) 323-4322.
For questions or comments, contact us.

Presidents Day2

Rates

Rates current as of July 15, 2016.

Checking Account Rates

Savings & Money Market Rates

49er Gold Club Rates

Business Account Rates

CD Rates

Loan Rates

Please note:

  • Rates are subject to change at any time without prior notice.
  • You must maintain the minimum balance associated with your account to obtain the disclosed annual percentage yield (APY). Fees may also reduce earnings on the account.
  • Interest is compounded and credited monthly for checking and money market accounts.
  • Interest is compounded and credited quarterly for savings accounts and CDs.
  • If the account is closed before the interest is credited, you will not receive the accrued interest.
  • A penalty may be imposed for early withdrawal of CD accounts.

Checking Account Rates

First Rate Direct Checking

Balance

Interest Rate

APY

Minimum Balance

Below $1,000

0.00%

0.00%

$0.01

$1,000+

0.05%

0.05% 

$1,000

First Rate Checking

Balance

Interest Rate

APY

Minimum Balance

Below $1,000

0.00% 

0.00%

$0.01

$1,000+

0.05%

0.05%

$1,000

Savings & Money Market Account Rates

Savings

Balance

Interest Rate

APY

Minimum Balance

Below $500

0.15%

0.15% 

$0.01

$500+

0.20% 

0.20%

$500

Premier Money Market

Balance

Interest Rate

APY

Minimum Balance

Below $5,000

0.10% 0.10% 

$0.01

$5,000 - $24,999.99

0.15% 

0.15% 

$5,000

$25,000 - $44,999.99

0.20%

0.20%

$25,000

$45,000 - $95,999.99

0.25%

0.25%

$45,000

$96,000+

0.35%

0.35%

$96,000

49er Gold Club Account Rates

Available to current 49er Gold Club members

49er Gold Club Checking

Balance

Interest Rate

APY

Minimum Balance

Below $500

0.00%

0.00% 

$0.01

$500+

0.20%

0.20%

$500

49er Premier Money Market

Balance

Interest Rate

APY

Minimum Balance

Below $5,000

0.15%

0.15% 

$0.01

$5,000 - $24,999.99

0.20%

0.20%

$5,000

$25,000 - $44,999.99

0.25%

0.25%

$25,000

$45,000 - $95,999.99

0.30%

0.30%

$45,000

$96,000+

0.40%

0.40% 

$96,000

Business Account Rates

Commercial Interest Checking

Balance

Interest Rate

APY

Minimum Balance

Below $1,000

0.00% 

0.00%

$0.01

$1,000 - $24,999.99

0.10%

0.10% 

$1,000

$25,000 - $95,999.99

0.15% 

0.15%

$25,000

$96,000+

0.20%

0.20%

$96,000

Commercial Money Market

Balance

Interest Rate

APY

Minimum Balance

Below $1,000

0.10%

0.10% 

$0.01

$1,000 - $24,999.99

0.20%

0.20%

$1,000

$25,000 - $95,999.99

0.25%

0.25% 

$25,000

$96,000+

0.35%

 0.35%

$96,000

Credit allowance on Commercial Checking is available.

Certificate of Deposit (CD) Rates

For CD Specials, please contact an FCB Banks location near you.

Certificate of Deposit

Term

Interest Rate

APY

Minimum Balance

One Month
(One month – 181 days)

0.15% 0.15%

$1,000

Six Months
(182 – 364 days)

0.20%  0.20%

$1,000

One Year
(12 – 23 months)

0.35% 0.35%

$1,000

Two Years
(24 – 35 months)

0.45% 0.45% 

$1,000

Three Years
(36 – 59 months)

0.75% 0.75%

$1,000

Five Years
(60 – 83 months)

1.39% 1.40%

$1,000

Seven Years
(84+ months)

1.59% 1.60%

$1,000

Loan Rates

Please contact a loan officer for the most current rate information.

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