Collinsville Area Shred Day in Collinsville, IL | July 13, 2024 | 9:00 am - 11:00 am 

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Federal Deposit Insurance Corporation FDIC Insured - Backed by the full faith and credit of the U.S. Government.

Rates

Rates current as of January 19, 2024.

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+

0.30%

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, HSAs & Money Market Account Rates

Savings

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)

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

0.65% 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

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

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

3.74%

3.80%

$500,000

$1,000,000+

4.12%

4.20%

$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

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

3.64%

3.70%

$500,000

$1,000,000+

4.03%

4.10%

$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+

0.60%

0.60%

$500

49er Premier Money Market

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

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

Interest Rate

APY

Minimum Balance to Earn Interest

5 Months

5.00%

5.10%

$1,000

10 Months

5.05%

5.15%

$1,000

15 Months

4.81%

4.90%

$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)

1.84% 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

Interest Rate

APY

Minimum Balance to Earn Interest

5 Months

4.91%

5.00%

$1,000

10 Months

4.96%

5.05%

$1,000

15 Months

4.72%

4.80%

$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)

1.79%  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

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

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

Interest Rate

APY

Minimum Balance to Earn Interest

Below $100,000

0.00%

0.00%

$0.01

$100,000 - $249,999.99

3.54%

3.60%

$100,000

$250,000 - $499,999.99

3.59%

3.65%

$250,000

$500,000 - $999,999.99

3.69%

3.75%

$500,000

$1,000,000+

3.93%

4.00%

$1,000,000

Jumbo Commercial Money Market (without 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

3.30%

3.35%

$100,000

$250,000 - $499,999.99

3.35%

3.40%

$250,000

$500,000 - $999,999.99

3.45%

3.50%

$500,000

$1,000,000+

3.69%

3.75%

$1,000,000

Loan Rates

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

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