Shred Day

SHRED DAY
Saturday, April 28th - 9 a.m. - 11 a.m.
FCB Banks - Edwardsville - 6659 Center Grove Rd. 
For more information, click here.

Shred Day

Rates

Rates current as of April 2, 2018.

Checking Account Rates

Savings & 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+

0.15%

0.15% 

$1,000

First Rate Checking

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

$1,000+

0.15%

0.15%

$1,000

Savings & Money Market Account Rates

Savings

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

Below $500

0.20%

0.20% 

$0.01

$500+

 0.25% 

0.25%

$500

Premier Money Market

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

Below $5,000

0.25% 0.25% 

$0.01

$5,000 - $24,999.99

0.45% 

0.45% 

$5,000

$25,000 - $44,999.99

0.50%

0.50%

$25,000

$45,000 - $95,999.99

0.55%

0.55%

$45,000

$96,000+

0.65%

0.65%

$96,000

Jumbo Money Market

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

$49,000 - $95,999.99 0.55% 0.55% $49,000
$96,000+ 0.70% 0.70% $96,000

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+

0.35%

0.35%

$500

49er Premier Money Market

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

Below $5,000

0.30%

0.30% 

$0.01

$5,000 - $24,999.99

0.50%

0.50%

$5,000

$25,000 - $44,999.99

0.55%

0.55%

$25,000

$45,000 - $95,999.99

0.60%

0.60%

$45,000

$96,000+

0.70%

0.70% 

$96,000

49er Jumbo Money Market

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

$49,000 - $95,999.99

0.60%

0.60%

$49,000

$96,000+

0.75%

0.75%

$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

0.40%

0.40% 

$1,000

$25,000 - $95,999.99

0.45% 

0.45%

$25,000

$96,000+

0.50%

0.50%

$96,000

Commercial Money Market

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

Below $1,000

0.25%

0.25% 

$0.01

$1,000 - $24,999.99

0.50%

0.50%

$1,000

$25,000 - $95,999.99

0.55%

0.55% 

$25,000

$96,000+

0.65%

 0.65%

$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 1.74% 1.75% $1,000
28 Months 1.89% 1.90% $1,000
35 Months 1.94% 1.95% $1,000
46 Months 2.14% 2.15% $1,000
55 Months 2.33% 2.35% $1,000
67 Months 2.38% 2.40% $1,000
75 Months 2.53% 2.55% $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)

 0.30%  0.30%  $1,000

One Year
(12 – 23 months)

 0.50%  0.50%  $1,000

Two Years
(24 – 35 months)

 0.65% 0.65%  $1,000

Three Years
(36 – 59 months)

 1.05%  1.05%  $1,000

Five Years
(60 – 83 months)

 1.64%  1.65%  $1,000

Seven Years
(84+ months)

 1.84%  1.85%  $1,000

Certificate of Deposit (CD) Rates

Certificate of Deposit Specials

TermInterest RateAPYMinimum Balance to Earn Interest
16 Months 1.69% 1.70% $1,000
28 Months 1.84% 1.85% $1,000
35 Months 1.89% 1.90% $1,000
46 Months 2.09% 2.10% $1,000
55 Months 2.28% 2.30% $1,000
67 Months 2.33% 2.35% $1,000
75 Months 2.48% 2.50%

$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)

0.25%  0.25%

$1,000

One Year
(12 – 23 months)

0.45% 0.45%

$1,000

Two Years
(24 – 35 months)

0.60% 0.60% 

$1,000

Three Years
(36 – 59 months)

1.00% 1.00%

$1,000

Five Years
(60 – 83 months)

1.59% 1.60%

$1,000

Seven Years
(84+ months)

1.79% 1.80%

$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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