Online Banking / Business Direct Access
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FCB Certificate Rates
Rates Current as of February 3, 2012
CD Specials
| Term | Interest Rate | Annual Percentage Yield | *Minimum Balance |
| 17 Months |
0.60% |
0.60% |
$1,000.00 |
| 37 Months |
1.15% |
1.15% |
$1,000.00 |
| 57 Months |
1.64% |
1.65% |
$1,000.00 |
49er Bonus Rates with FCB CD Specials
| Term | Interest Rate | Annual Percentage Yield | *Minimum Balance |
| 17 Months-49er |
0.65% |
0.65% |
$1,000.00 |
| 37 Months-49er |
1.20% |
1.20% |
$1,000.00 |
| 57 Months-49er |
1.69% |
1.70% |
$1,000.00 |
| 49er bonus rates available to current or new 49er checking account holders |
Certificate Rates
| Term | Interest Rate | Annual Percentage Yield | *Minimum Balance |
1 Month (1 month-181 days) |
0.20% |
0.20% |
$1,000.00 |
6 Months (182-364 days) |
0.25% |
0.25% |
$1,000.00 |
1 Year (12-23 Months) |
0.45% |
0.45% |
$1,000.00 |
2 Years (24-35 Months) |
0.60% |
0.60% |
$1,000.00 |
3 Years (36-59 Months) |
1.00% |
1.00%
|
$1,000.00 |
5 Years (60-83 Months) |
1.55% |
1.55% |
$1,000.00 |
7 Years (84 Months) |
1.99% |
2.00% |
$1,000.00 |
| 49er bonus rates available to current or new 49er checking account holders |
| *Minimum balance to earn Annual Percentage Yield |
| A penalty may be imposed for early withdrawal. The APY is based on the interest compounding quarterly. Fees could reduce earnings on accounts. |
FCB Deposit Rates
First Rate Direct Checking
| Balance | Interest Rate | Annual Percentage Yield | **Minimum Balance |
| Below $1,000.00 |
0.00% |
0.00% |
$0.01 |
| $1,000.00 or over |
0.05% |
0.05% |
$1,000.00 |
First Rate Checking
| Balance | Interest Rate | Annual Percentage Yield | **Minimum Balance |
| Below $1,000.00 |
0.00% |
0.00% |
$0.01 |
| $1,000.00 or over |
0.05% |
0.05% |
$1,000.00 |
49ER Gold Club Checking
| Balance | Interest Rate | Annual Percentage Yield | **Minimum Balance |
| Below $500.00 |
0.00% |
0.00% |
$0.01 |
| $500.00 or over |
0.25% |
0.25% |
$500.00 |
Premier Money Market Account
| Balance | Interest Rate | Annual Percentage Yield | **Minimum Balance |
| Below $5,000.00 |
0.10% |
0.10% |
$0.01 |
| $5,000-$24.999.99 |
0.20% |
0.20% |
$5,000.00 |
| $25,000-$44,999.99 |
0.25% |
0.25% |
$25,000.00 |
| $45,000-$95,999.99 |
0.40% |
0.40% |
$45,000.00 |
| $96,000 & Over |
0.55% |
0.55% |
$96,000.00 |
49ER Premier Money Market Account
| Balance | Interest Rate | Annual Percentage Yield | **Minimum Balance |
| Below $5,000.00 |
0.20% |
0.20% |
$0.01 |
| $5,000-$24.999.99 |
0.30% |
0.30% |
$5,000.00 |
| $25,000-$44,999.99 |
0.35% |
0.35% |
$25,000.00 |
| $45,000-$95,999.99 |
0.50% |
0.50% |
$45,000.00 |
| $96,000 & Over |
0.65% |
0.65% |
$96,000.00 |
FCB Savings Account
| Balance | Interest Rate | Annual Percentage Yield | **Minimum Balance |
Below $500.00 |
0.20% |
0.20% |
$0.01 |
| $500.00 & over |
0.35% |
0.35% |
$500.00 |
** Minimum Balance to earn annual percentage yield The annual percentage yield is based on interest compounding monthly. The interest rate and APY may change after account opening. Fees could reduce earnings on the account. |
FCB Commercial Interest Checking
| Balance | Interest Rate | Annual Percentage Yield | **Minimum Balance |
| Below $1,000.00 |
0.00% |
0.00% |
$0.01 |
| $1,000-$24.999.99 |
0.25% |
0.25% |
$1,000 |
| $25,000-$95,999.99 |
0.30% |
0.30% |
$25,000 |
| $96,000 & Over |
0.35% |
0.35% |
$96,000 |
FCB Commercial Money Market
| Balance | Interest Rate | Annual Percentage Yield | **Minimum Balance |
| Below $1,000.00 |
0.10% |
0.10% |
$0.01 |
| $1,000-$24.999.99 |
0.20% |
0.20% |
$1,000 |
| $25,000-$95,999.99 |
0.30% |
0.30% |
$25,000 |
| $96,000 & Over |
0.60% |
0.60% |
$96,000 |
** Minimum Balance to earn annual percentage yield The annual percentage yield is based on interest compounding monthly. The interest rate and APY may change after account opening. Fees could reduce earnings on the account. |
Credit Allowance on Commercial Checking
| Available |
Effective Date
| Interest Rates and annual percentage yields are current as of 2-3-2012 |
Loan Rates
Loan Rates
| For current rate information, contact us or visit any FCB Bank. |
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