Shred Day in New Baden,  IL | June 10th, 2023 | 9:00 am - 11:00 am

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Rates

Rates current as of June 5, 2023.

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

Interest Rate

APY

Minimum Balance to Earn Interest

$1,000+

0.25%

0.25% 

$1,000

First Rate Checking

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

$1,000+

0.25%

0.25%

$1,000

Savings, HSAs & Money Market Account Rates

Savings

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

Below $500

0.30%

0.30%

$0.01

$500+

0.40%

0.40%

$500

Health Savings Account (HSA)

BalanceInterest RateAPYMinimum Balance to Earn Interest
All Balances 0.40%  0.40% $0.01

Premier Money Market

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

Below $5,000

0.55% 0.55%

$0.01

$5,000 - $24,999.99

1.29%

1.30%

$5,000

$25,000 - $44,999.99

1.54%

1.55%

$25,000

$45,000 - $95,999.99

1.64%

1.65%

$45,000

$96,000+

1.69%

1.70%

$96,000

Jumbo Money Market

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

$49,000 - $95,999.99 1.64% 1.65% $49,000
$96,000+ 1.69% 1.70% $96,000

Hometown Money Market (with Direct Deposit)

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

Below $55,000

0.00% 0.00%

$0.01

$55,000 - $74,999.99

1.79%

1.80%

$55,000

$75,000 - $99,999.99

1.88%

1.90%

$75,000

$100,000 - $199,999.99

2.47%

2.50%

$100,000

$200,000 - $249,999.99

2.57%

2.60%

$200,000

$250,000 - $499,999.99

2.96%

3.00%

$250,000

$500,000 - $999,999.99

3.45%

3.50%

$500,000

$1,000,000+

3.83%

3.90%

$1,000,000

Hometown Money Market (without Direct Deposit)

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

Below $55,000

0.00% 0.00%

$0.01

$55,000 - $74,999.99

1.69%

1.70%

$55,000

$75,000 - $99,999.99

1.79%

1.80%

$75,000

$100,000 - $199,999.99

2.39%

2.40%

$100,000

$200,000 - $249,999.99

2.47%

2.50%

$200,000

$250,000 - $499,999.99

2.86%

2.90%

$250,000

$500,000 - $999,999.99

3.35%

3.40%

$500,000

$1,000,000+

3.74%

3.80%

$1,000,000

49er Gold Club Account Rates

Available to current 49er Gold Club members

49er Gold Club Checking

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

$500+

0.50%

0.50%

$500

49er Premier Money Market

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

Below $5,000

0.65%

0.65%

$0.01

$5,000 - $24,999.99

1.39%

1.40%

$5,000

$25,000 - $44,999.99

1.64%

1.65%

$25,000

$45,000 - $95,999.99

1.74%

1.75%

$45,000

$96,000+

1.79%

1.80%

$96,000

49er Jumbo Money Market

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

$49,000 - $95,999.99

1.74%

1.75%

$49,000

$96,000+

1.79%

1.80%

$96,000

49er Certificate of Deposit (CD) Rates

49er Certificate of Deposit Specials

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

5 Months

4.33%

4.40%

$1,000

11 Months

4.52%

4.60%

$1,000

22 Months

4.19%

4.25%

$1,000

49er Certificate of Deposit

TermInterest RateAPYMinimum Balance to Earn Interest

One Month
(One month – 181 days)

1.15% 1.15%  $1,000

Six Months
(182 – 364 days)

1.59% 1.60%  $1,000

One Year
(12 – 23 months)

2.53% 2.55%  $1,000

Two Years
(24 – 35 months)

2.67% 2.70%  $1,000

Three Years
(36 – 59 months)

2.77% 2.80%  $1,000

Five Years
(60 – 83 months)

2.87% 2.90%  $1,000

Seven Years
(84+ months)

2.97% 3.00%  $1,000

Certificate of Deposit (CD) Rates

Certificate of Deposit Specials

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

5 Months

4.23%

4.30%

$1,000

11 Months

4.43%

4.50%

$1,000

22 Months

4.09%

4.15%

$1,000

Certificate of Deposit

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)

1.54%  1.55%

$1,000

One Year
(12 – 23 months)

2.48% 2.50%

$1,000

Two Years
(24 – 35 months)

2.62% 2.65%

$1,000

Three Years
(36 – 59 months)

2.72% 2.75%

$1,000

Five Years
(60 – 83 months)

2.82% 2.85%

$1,000

Seven Years
(84+ months)

2.92% 2.95%

$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

Interest Rate

APY

Minimum Balance to Earn Interest

Below $1,000

0.00%

0.00%

$0.01

$1,000 - $24,999.99

0.40%

0.40%

$1,000

$25,000 - $95,999.99

0.50%

0.50%

$25,000

$96,000+

0.65%

0.65%

$96,000

Commercial Money Market

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

Below $1,000

0.45%

0.45%

$0.01

$1,000 - $24,999.99

1.29%

1.30%

$1,000

$25,000 - $95,999.99

1.49%

1.50%

$25,000

$96,000+

1.74%

1.75%

$96,000

Credit allowance on Commercial Checking is available.

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

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

Below $100,000

0.00%

0.00%

$0.01

$100,000 - $249,999.99

3.45%

3.50%

$100,000

$250,000 - $499,999.99

3.49%

3.55%

$250,000

$500,000 - $999,999.99

3.59%

3.65%

$500,000

$1,000,000+

3.69%

3.75%

$1,000,000

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

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

Below $250,000

0.00%

0.00%

$0.01

$100,000 - $249,999.99

3.20%

3.25%

$100,000

$250,000 - $499,999.99

3.25%

3.30%

$250,000

$500,000 - $999,999.99

3.35%

3.40%

$500,000

$1,000,000+

3.45%

3.50%

$1,000,000

Loan Rates

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

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