Rates

Rates current as of October 9, 2018.

Checking Account Rates

Savings & Money Market Rates

Hometown 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+

0.30%

0.30% 

$1,000

First Rate Checking

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

$1,000+

0.30%

0.30%

$1,000

Savings & Money Market Account Rates

Savings

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

Below $500

0.35%

0.35%

$0.01

$500+

0.40%

0.40%

$500

Premier Money Market

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

Below $5,000

0.45% 0.45%

$0.01

$5,000 - $24,999.99

0.75%

0.75%

$5,000

$25,000 - $44,999.99

0.85%

0.85%

$25,000

$45,000 - $95,999.99

1.00%

1.00%

$45,000

$96,000+

1.09%

1.10%

$96,000

Jumbo Money Market

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

$49,000 - $95,999.99 1.05% 1.05% $49,000
$96,000+ 1.14% 1.15% $96,000

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 2.28% 2.30% $55,000 
$75,000 - $99,999 2.28% 2.30% $75,000
$100,000 - $199,999 2.33% 2.35%  $100,000
$200,000 - $249,999 2.37% 2.40%  $200,000 
$250,000+ 2.42% 2.45%.  $250,000

 

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 2.37% 2.40% $55,000
$75,000 - $99,999 2.42% 2.45% $75,000
$100,000 - $199,999 2.47% 2.50% $100,000
$200,000 - $249,999 2.52% 2.55% $200,000
$250,000+ 2.57% 2.60% $250,000

 

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

0.50%

0.50%

$0.01

$5,000 - $24,999.99

0.80%

0.80%

$5,000

$25,000 - $44,999.99

0.90%

0.90%

$25,000

$45,000 - $95,999.99

1.05%

1.05%

$45,000

$96,000+

1.14%

1.15%

$96,000

49er Jumbo Money Market

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

$49,000 - $95,999.99

1.09%

1.10%

$49,000

$96,000+

1.19%

1.20%

$96,000

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

0.70%

0.70%

$1,000

$25,000 - $95,999.99

0.75%

0.75%

$25,000

$96,000+

0.80%

0.80%

$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

0.85%

0.85%

$1,000

$25,000 - $95,999.99

0.95%

0.95%

$25,000

$96,000+

1.09%

 1.10%

$96,000

Credit allowance on Commercial Checking is available.

49er Certificate of Deposit (CD) Rates

49er Certificate of Deposit Specials

TermInterest RateAPYMinimum Balance to Earn Interest
16 Months 2.58% 2.60% $1,000
28 Months 2.72% 2.75% $1,000
35 Months 2.87% 2.90% $1,000
55 Months 3.06% 3.10% $1,000
75 Months 3.21% 3.25% $1,000

49er Certificate of Deposit

TermInterest RateAPYMinimum Balance to Earn Interest

One Month
(One month – 181 days)

0.25%  0.25%  $1,000

Six Months
(182 – 364 days)

0.80%  0.80%  $1,000

One Year
(12 – 23 months)

1.39%  1.40%  $1,000

Two Years
(24 – 35 months)

1.54% 1.55%  $1,000

Three Years
(36 – 59 months)

 1.74%  1.75%  $1,000

Five Years
(60 – 83 months)

 1.89%  1.90%  $1,000

Seven Years
(84+ months)

 2.04%  2.05%  $1,000

Certificate of Deposit (CD) Rates

Certificate of Deposit Specials

TermInterest RateAPYMinimum Balance to Earn Interest
16 Months 2.53% 2.55% $1,000
28 Months 2.67% 2.70% $1,000
35 Months 2.82% 2.85% $1,000
55 Months 3.02% 3.05% $1,000
75 Months 3.16% 3.20%

$1,000

Certificate of Deposit

Term

Interest Rate

APY

Minimum Balance to Earn Interest

One Month
(One month – 181 days)

0.20% 0.20%

$1,000

Six Months
(182 – 364 days)

0.75%  0.75%

$1,000

One Year
(12 – 23 months)

1.34% 1.35%

$1,000

Two Years
(24 – 35 months)

1.49% 1.50%

$1,000

Three Years
(36 – 59 months)

1.69% 1.70%

$1,000

Five Years
(60 – 83 months)

1.84% 1.85%

$1,000

Seven Years
(84+ months)

1.99% 2.00%

$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.

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