Rates
Rates current as of June 5, 2023.
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 |
0.55% | 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 |
|
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 |
|
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 |
|
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
|
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 |
0.65% |
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 |
|
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
|
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 |
| Term | Interest Rate | APY | Minimum Balance to Earn Interest |
|---|---|---|---|
|
One Month |
1.15% | 1.15% | $1,000 |
|
Six Months |
1.59% | 1.60% | $1,000 |
|
One Year |
2.53% | 2.55% | $1,000 |
|
Two Years |
2.67% | 2.70% | $1,000 |
|
Three Years |
2.77% | 2.80% | $1,000 |
|
Five Years |
2.87% | 2.90% | $1,000 |
|
Seven Years |
2.97% | 3.00% | $1,000 |
Certificate of Deposit (CD) Rates
|
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 |
|
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 |
2.62% | 2.65% |
$1,000 |
|
Three Years |
2.72% | 2.75% |
$1,000 |
|
Five Years |
2.82% | 2.85% |
$1,000 |
|
Seven Years |
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
|
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 |
|
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.
|
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.
