Rates
Rates current as of November 14, 2022.
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
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
$1,000+ |
0.25% |
0.25% |
$1,000 |
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
$1,000+ |
0.25% |
0.25% |
$1,000 |
Savings, HSAs & Money Market Account Rates
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
Below $500 |
0.30% |
0.30% |
$0.01 |
|
$500+ |
0.40% |
0.40% |
$500 |
| Balance | Interest Rate | APY | Minimum Balance to Earn Interest |
|---|---|---|---|
| All Balances | 0.40% | 0.40% | $0.01 |
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
Below $5,000 |
0.45% | 0.45% |
$0.01 |
|
$5,000 - $24,999.99 |
1.19% |
1.20% |
$5,000 |
|
$25,000 - $44,999.99 |
1.39% |
1.40% |
$25,000 |
|
$45,000 - $95,999.99 |
1.49% |
1.50% |
$45,000 |
|
$96,000+ |
1.54% |
1.55% |
$96,000 |
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
| $49,000 - $95,999.99 | 1.49% | 1.50% | $49,000 |
| $96,000+ | 1.54% | 1.55% | $96,000 |
Please contact any FCB Banks location for current Hometown Money Market rates.
49er Gold Club Account Rates
Available to current 49er Gold Club members
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
$500+ |
0.50% |
0.50% |
$500 |
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
Below $5,000 |
0.50% |
0.50% |
$0.01 |
|
$5,000 - $24,999.99 |
1.24% |
1.25% |
$5,000 |
|
$25,000 - $44,999.99 |
1.44% |
1.45% |
$25,000 |
|
$45,000 - $95,999.99 |
1.54% |
1.55% |
$45,000 |
|
$96,000+ |
1.59% |
1.60% |
$96,000 |
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
$49,000 - $95,999.99 |
1.54% |
1.55% |
$49,000 |
|
$96,000+ |
1.59% |
1.60% |
$96,000 |
Business Account Rates
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
Below $1,000 |
0.00% |
0.00% |
$0.01 |
|
$1,000 - $24,999.99 |
0.30% |
0.30% |
$1,000 |
|
$25,000 - $95,999.99 |
0.40% |
0.40% |
$25,000 |
|
$96,000+ |
0.45% |
0.45% |
$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 |
1.19% |
1.20% |
$1,000 |
|
$25,000 - $95,999.99 |
1.39% |
1.40% |
$25,000 |
|
$96,000+ |
1.54% |
1.55% |
$96,000 |
Credit allowance on Commercial Checking is available.
49er Certificate of Deposit (CD) Rates
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
14 Months |
3.99% |
4.05% |
$1,000 |
|
27 Months |
4.04% |
4.10% |
$1,000 |
|
39 Months |
4.09% |
4.15% |
$1,000 |
|
51 Months |
4.14% |
4.20% |
$1,000 |
| Term | Interest Rate | APY | Minimum Balance to Earn Interest |
|---|---|---|---|
|
One Month |
1.10% | 1.10% | $1,000 |
|
Six Months |
1.54% | 1.55% | $1,000 |
|
One Year |
2.48% | 2.50% | $1,000 |
|
Two Years |
2.58% | 2.60% | $1,000 |
|
Three Years |
2.67% | 2.70% | $1,000 |
|
Five Years |
2.77% | 2.80% | $1,000 |
|
Seven Years |
2.87% | 2.90% | $1,000 |
Certificate of Deposit (CD) Rates
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
14 Months |
3.94% |
4.00% |
$1,000 |
|
27 Months |
3.99% |
4.05% |
$1,000 |
|
39 Months |
4.04% |
4.10% |
$1,000 |
|
51 Months |
4.09% |
4.15% |
$1,000 |
|
Term |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
One Month |
1.05% | 1.05% |
$1,000 |
|
Six Months |
1.49% | 1.50% |
$1,000 |
|
One Year |
2.43% | 2.45% |
$1,000 |
|
Two Years |
2.53% | 2.55% |
$1,000 |
|
Three Years |
2.62% | 2.65% |
$1,000 |
|
Five Years |
2.72% | 2.75% |
$1,000 |
|
Seven Years |
2.82% | 2.85% |
$1,000 |
Please contact any FCB Banks location for information on Mini-Jumbo and Jumbo Certificate of Deposit rates.
Loan Rates
Please contact a loan officer for the most current rate information.
