Rates

Rates current as of March 13, 2026.

Checking Account Rates Savings, HSAs & 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
$1,000+
Interest Rate	0.30%
APY	0.30%
Minimum Balance to Earn Interest	$1,000

Balance	Interest Rate	APY	Minimum Balance to Earn Interest
$1,000+	0.30%	0.30%	$1,000

First Rate Checking

Balance
$1,000+
Interest Rate	0.30%
APY	0.30%
Minimum Balance to Earn Interest	$1,000

Balance	Interest Rate	APY	Minimum Balance to Earn Interest
$1,000+	0.30%	0.30%	$1,000

Savings, HSA'S & Money Market Account Rates

Savings & Student Savings

Balance
Below $500
Interest Rate	0.35%
APY	0.35%
Minimum Balance to Earn Interest	$0.01
$500+
Interest Rate	0.50%
APY	0.50%
Minimum Balance to Earn Interest	$500

Balance	Interest Rate	APY	Minimum Balance to Earn Interest
Below $500	0.35%	0.35%	$0.01
$500+	0.50%	0.50%	$500

Health Savings Account (HSA)

Balance
All Balances
Interest Rate	0.40%
APY	0.40%
Minimum Balance to Earn Interest	$0.01

Balance	Interest Rate	APY	Minimum Balance to Earn Interest
All Balances	0.40%	0.40%	$0.01

Premier Money Market

Balance
Below $5,000
Interest Rate	0.65%
APY	0.65%
Minimum Balance to Earn Interest	$0.01
$5,000 - $24,999.99
Interest Rate	1.59%
APY	1.60%
Minimum Balance to Earn Interest	$5,000
$25,000 - $44,999.99
Interest Rate	1.84%
APY	1.85%
Minimum Balance to Earn Interest	$25,000
$45,000 - $95,999.99
Interest Rate	1.93%
APY	1.95%
Minimum Balance to Earn Interest	$45,000
$96,000+
Interest Rate	1.98%
APY	2.00%
Minimum Balance to Earn Interest	$96,000

Balance	Interest Rate	APY	Minimum Balance to Earn Interest
Below $5,000	0.65%	0.65%	$0.01
$5,000 - $24,999.99	1.59%	1.60%	$5,000
$25,000 - $44,999.99	1.84%	1.85%	$25,000
$45,000 - $95,999.99	1.93%	1.95%	$45,000
$96,000+	1.98%	2.00%	$96,000

Jumbo Money Market

Balance
$49,000 - $95,999.99
Interest Rate	1.98%
APY	2.00%
Minimum Balance to Earn Interest	$49,000
$96,000+
Interest Rate	2.08%
APY	2.10%
Minimum Balance to Earn Interest	$96,000

Balance	Interest Rate	APY	Minimum Balance to Earn Interest
$49,000 - $95,999.99	1.98%	2.00%	$49,000
$96,000+	2.08%	2.10%	$96,000

Hometown Money Market (with Direct Deposit)

Balance
Below $55,000
Interest Rate	0.00%
APY	0.00%
Minimum Balance to Earn Interest	$0.01
$55,000 - $74,999.99
Interest Rate	2.47%
APY	2.50%
Minimum Balance to Earn Interest	$55,000
$75,000 - $99,999.99
Interest Rate	2.57%
APY	2.60%
Minimum Balance to Earn Interest	$75,000
$100,000 - $199,999.99
Interest Rate	3.06%
APY	3.10%
Minimum Balance to Earn Interest	$100,000
$200,000 - $249,999.99
Interest Rate	3.15%
APY	3.20%
Minimum Balance to Earn Interest	$200,000
$250,000 - $499,999.99
Interest Rate	3.25%
APY	3.30%
Minimum Balance to Earn Interest	$250,000
$500,000 - $999,999.99
Interest Rate	3.69%
APY	3.75%
Minimum Balance to Earn Interest	$500,000
$1,000,000+
Interest Rate	3.98%
APY	4.05%
Minimum Balance to Earn Interest	$1,000,000

Balance	Interest Rate	APY	Minimum Balance to Earn Interest
Below $55,000	0.00%	0.00%	$0.01
$55,000 - $74,999.99	2.47%	2.50%	$55,000
$75,000 - $99,999.99	2.57%	2.60%	$75,000
$100,000 - $199,999.99	3.06%	3.10%	$100,000
$200,000 - $249,999.99	3.15%	3.20%	$200,000
$250,000 - $499,999.99	3.25%	3.30%	$250,000
$500,000 - $999,999.99	3.69%	3.75%	$500,000
$1,000,000+	3.98%	4.05%	$1,000,000

Hometown Money Market (without Direct Deposit)

Balance
Below $55,000
Interest Rate	0.00%
APY	0.00%
Minimum Balance to Earn Interest	$0.01
$55,000 - $74,999.99
Interest Rate	2.38%
APY	2.40%
Minimum Balance to Earn Interest	$55,000
$75,000 - $99,999.99
Interest Rate	2.47%
APY	2.50%
Minimum Balance to Earn Interest	$75,000
$100,000 - $199,999.99
Interest Rate	2.96%
APY	3.00%
Minimum Balance to Earn Interest	$100,000
$200,000 - $249,999.99
Interest Rate	3.06%
APY	3.10%
Minimum Balance to Earn Interest	$200,000
$250,000 - $499,999.99
Interest Rate	3.15%
APY	3.20%
Minimum Balance to Earn Interest	$250,000
$500,000 - $999,999.99
Interest Rate	3.59%
APY	3.65%
Minimum Balance to Earn Interest	$500,000
$1,000,000+
Interest Rate	3.88%
APY	3.95%
Minimum Balance to Earn Interest	$1,000,000

Balance	Interest Rate	APY	Minimum Balance to Earn Interest
Below $55,000	0.00%	0.00%	$0.01
$55,000 - $74,999.99	2.38%	2.40%	$55,000
$75,000 - $99,999.99	2.47%	2.50%	$75,000
$100,000 - $199,999.99	2.96%	3.00%	$100,000
$200,000 - $249,999.99	3.06%	3.10%	$200,000
$250,000 - $499,999.99	3.15%	3.20%	$250,000
$500,000 - $999,999.99	3.59%	3.65%	$500,000
$1,000,000+	3.88%	3.95%	$1,000,000

49er Gold Club Account Rates

Available to current 49er Gold Club members.

49er Gold Club Checking

Balance
$500+
Interest Rate	0.60%
APY	0.60%
Minimum Balance to Earn Interest	$500

Balance	Interest Rate	APY	Minimum Balance to Earn Interest
$500+	0.60%	0.60%	$500

49er Premier Money Market

Balance
Below $5,000
Interest Rate	0.75%
APY	0.75%
Minimum Balance to Earn Interest	$0.01
$5,000 - $24,999.99
Interest Rate	1.69%
APY	1.70%
Minimum Balance to Earn Interest	$5,000
$25,000 - $44,999.99
Interest Rate	1.93%
APY	1.95%
Minimum Balance to Earn Interest	$25,000
$45,000 - $95,999.99
Interest Rate	2.03%
APY	2.05%
Minimum Balance to Earn Interest	$45,000
$96,000+
Interest Rate	2.08%
APY	2.10%
Minimum Balance to Earn Interest	$96,000

Balance	Interest Rate	APY	Minimum Balance to Earn Interest
Below $5,000	0.75%	0.75%	$0.01
$5,000 - $24,999.99	1.69%	1.70%	$5,000
$25,000 - $44,999.99	1.93%	1.95%	$25,000
$45,000 - $95,999.99	2.03%	2.05%	$45,000
$96,000+	2.08%	2.10%	$96,000

49er Jumbo Money Market

Balance
$49,000 - $95,999.99
Interest Rate	2.08%
APY	2.10%
Minimum Balance to Earn Interest	$49,000
$96,000+
Interest Rate	2.18%
APY	2.20%
Minimum Balance to Earn Interest	$96,000

Balance	Interest Rate	APY	Minimum Balance to Earn Interest
$49,000 - $95,999.99	2.08%	2.10%	$49,000
$96,000+	2.18%	2.20%	$96,000

49er Certificate of Deposit (CD) Rates

49er Certificate of Deposit Specials

Balance
7 Months
Interest Rate	3.99%
APY	4.05%
Minimum Balance to Earn Interest	$1,000
11 Months
Interest Rate	3.79%
APY	3.85%
Minimum Balance to Earn Interest	$1,000
35 Months
Interest Rate	3.60%
APY	3.65%
Minimum Balance to Earn Interest	$1,000
47 Months
Interest Rate	3.65%
APY	3.70%
Minimum Balance to Earn Interest	$1,000
59 Months
Interest Rate	3.70%
APY	3.75%
Minimum Balance to Earn Interest	$1,000
71 Months
Interest Rate	3.75%
APY	3.80%
Minimum Balance to Earn Interest	$1,000

Balance	Interest Rate	APY	Minimum Balance to Earn Interest
7 Months	3.99%	4.05%	$1,000
11 Months	3.79%	3.85%	$1,000
35 Months	3.60%	3.65%	$1,000
47 Months	3.65%	3.70%	$1,000
59 Months	3.70%	3.75%	$1,000
71 Months	3.75%	3.80%	$1,000

49er Certificate of Deposit

Term
One Month (One month – 181 days)
Interest Rate	1.15%
APY	1.15%
Minimum Balance to EarnInterest	$1,000
Six Months (182 – 364 days)
Interest Rate	1.84%
APY	1.85%
Minimum Balance to EarnInterest	$1,000
One Year (12 – 23 months)
Interest Rate	2.77%
APY	2.80%
Minimum Balance to EarnInterest	$1,000
Two Years (24 – 35 months)
Interest Rate	2.92%
APY	2.95%
Minimum Balance to EarnInterest	$1,000
Three Years (36 – 59 months)
Interest Rate	3.02%
APY	3.05%
Minimum Balance to EarnInterest	$1,000
Five Years (60 – 83 months)
Interest Rate	3.11%
APY	3.15%
Minimum Balance to EarnInterest	$1,000
Seven Years (84+ months)
Interest Rate	3.21%
APY	3.25%
Minimum Balance to EarnInterest	$1,000

Term	Interest Rate	APY	Minimum Balance to EarnInterest
One Month (One month – 181 days)	1.15%	1.15%	$1,000
Six Months (182 – 364 days)	1.84%	1.85%	$1,000
One Year (12 – 23 months)	2.77%	2.80%	$1,000
Two Years (24 – 35 months)	2.92%	2.95%	$1,000
Three Years (36 – 59 months)	3.02%	3.05%	$1,000
Five Years (60 – 83 months)	3.11%	3.15%	$1,000
Seven Years (84+ months)	3.21%	3.25%	$1,000

Certificate of Deposit (CD) Rates

Certificate of Deposit Specials

Balance
7 Months
Interest Rate	3.89%
APY	3.95%
Minimum Balance to Earn Interest	$1,000
11 Months
Interest Rate	3.70%
APY	3.75%
Minimum Balance to Earn Interest	$1,000
35 Months
Interest Rate	3.50%
APY	3.55%
Minimum Balance to Earn Interest	$1,000
47 Months
Interest Rate	3.55%
APY	3.60%
Minimum Balance to Earn Interest	$1,000
59 Months
Interest Rate	3.60%
APY	3.65%
Minimum Balance to Earn Interest	$1,000
71 Months
Interest Rate	3.65%
APY	3.70%
Minimum Balance to Earn Interest	$1,000

Balance	Interest Rate	APY	Minimum Balance to Earn Interest
7 Months	3.89%	3.95%	$1,000
11 Months	3.70%	3.75%	$1,000
35 Months	3.50%	3.55%	$1,000
47 Months	3.55%	3.60%	$1,000
59 Months	3.60%	3.65%	$1,000
71 Months	3.65%	3.70%	$1,000

Certificate of Deposit

Term
One Month (One month – 181 days)
Interest Rate	1.10%
APY	1.10%
Minimum Balance to Earn Interest	$1,000
Six Months (182 – 364 days)
Interest Rate	1.79%
APY	1.80%
Minimum Balance to Earn Interest	$1,000
One Year (12 – 23 months)
Interest Rate	2.72%
APY	2.75%
Minimum Balance to Earn Interest	$1,000
Two Years (24 – 35 months)
Interest Rate	2.87%
APY	2.90%
Minimum Balance to Earn Interest	$1,000
Three Years (36 – 59 months)
Interest Rate	2.97%
APY	3.00%
Minimum Balance to Earn Interest	$1,000
Five Years (60 – 83 months)
Interest Rate	3.07%
APY	3.10%
Minimum Balance to Earn Interest	$1,000
Seven Years (84+ months)
Interest Rate	3.16%
APY	3.20%
Minimum Balance to Earn Interest	$1,000

Term	Interest Rate	APY	Minimum Balance to Earn Interest
One Month (One month – 181 days)	1.10%	1.10%	$1,000
Six Months (182 – 364 days)	1.79%	1.80%	$1,000
One Year (12 – 23 months)	2.72%	2.75%	$1,000
Two Years (24 – 35 months)	2.87%	2.90%	$1,000
Three Years (36 – 59 months)	2.97%	3.00%	$1,000
Five Years (60 – 83 months)	3.07%	3.10%	$1,000
Seven Years (84+ months)	3.16%	3.20%	$1,000

Please contact any FCB Banks location for information on Mini-Jumbo and Jumbo Certificate of Deposit rates.

Business Account Rates

Commercial Interest Checking

Balance
Below $1,000
Interest Rate	0.00%
APY	0.00%
Minimum Balance to Earn Interest	$0.01
$1,000 - $24,999.99
Interest Rate	0.50%
APY	0.50%
Minimum Balance to Earn Interest	$1,000
$25,000 - $95,999.99
Interest Rate	0.60%
APY	0.60%
Minimum Balance to Earn Interest	$25,000
$96,000+
Interest Rate	0.75%
APY	0.75%
Minimum Balance to Earn Interest	$96,000

Balance	Interest Rate	APY	Minimum Balance to Earn Interest
Below $1,000	0.00%	0.00%	$0.01
$1,000 - $24,999.99	0.50%	0.50%	$1,000
$25,000 - $95,999.99	0.60%	0.60%	$25,000
$96,000+	0.75%	0.75%	$96,000

Commercial Money Market

Balance
Below $1,000
Interest Rate	0.45%
APY	0.45%
Minimum Balance to Earn Interest	$0.01
$1,000 - $24,999.99
Interest Rate	1.59%
APY	1.60%
Minimum Balance to Earn Interest	$1,000
$25,000 - $95,999.99
Interest Rate	1.79%
APY	1.80%
Minimum Balance to Earn Interest	$25,000
$96,000+
Interest Rate	2.03%
APY	2.05%
Minimum Balance to Earn Interest	$96,000

Balance	Interest Rate	APY	Minimum Balance to Earn Interest
Below $1,000	0.45%	0.45%	$0.01
$1,000 - $24,999.99	1.59%	1.60%	$1,000
$25,000 - $95,999.99	1.79%	1.80%	$25,000
$96,000+	2.03%	2.05%	$96,000

Credit allowance on Commercial Checking is available.

Jumbo Commercial Money Market (with Primary Business Checking at FCB)

Balance
Below $100,000
Interest Rate	0.00%
APY	0.00%
Minimum Balance to Earn Interest	$0.01
$100,000 - $249,999.99
Interest Rate	3.50%
APY	3.55%
Minimum Balance to Earn Interest	$100,000
$250,000 - $499,999.99
Interest Rate	3.55%
APY	3.60%
Minimum Balance to Earn Interest	$250,000
$500,000 - $999,999.99
Interest Rate	3.64%
APY	3.70%
Minimum Balance to Earn Interest	$500,000
$1,000,000+
Interest Rate	3.88%
APY	3.95%
Minimum Balance to Earn Interest	$1,000,000

Balance	Interest Rate	APY	Minimum Balance to Earn Interest
Below $100,000	0.00%	0.00%	$0.01
$100,000 - $249,999.99	3.50%	3.55%	$100,000
$250,000 - $499,999.99	3.55%	3.60%	$250,000
$500,000 - $999,999.99	3.64%	3.70%	$500,000
$1,000,000+	3.88%	3.95%	$1,000,000

Jumbo Commercial Money Market (without Primary Business Checking at FCB)

Balance
Below $100,000
Interest Rate	0.00%
APY	0.00%
Minimum Balance to Earn Interest	$0.01
$100,000 - $249,999.99
Interest Rate	3.26%
APY	3.30%
Minimum Balance to Earn Interest	$100,000
$250,000 - $499,999.99
Interest Rate	3.30%
APY	3.35%
Minimum Balance to Earn Interest	$250,000
$500,000 - $999,999.99
Interest Rate	3.40%
APY	3.45%
Minimum Balance to Earn Interest	$500,000
$1,000,000+
Interest Rate	3.64%
APY	3.70%
Minimum Balance to Earn Interest	$1,000,000

Balance	Interest Rate	APY	Minimum Balance to Earn Interest
Below $100,000	0.00%	0.00%	$0.01
$100,000 - $249,999.99	3.26%	3.30%	$100,000
$250,000 - $499,999.99	3.30%	3.35%	$250,000
$500,000 - $999,999.99	3.40%	3.45%	$500,000
$1,000,000+	3.64%	3.70%	$1,000,000

Loan Rates

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