Rates

Rates current as of February 21, 2023.

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+

0.25%

0.25% 

$1,000

First Rate Checking

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

$1,000+

0.25%

0.25%

$1,000

Savings, HSAs & Money Market Account Rates

Savings

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

Below $500

0.30%

0.30%

$0.01

$500+

0.40%

0.40%

$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

0.45% 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

Jumbo Money Market

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

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

1.64%

1.65%

$55,000

$75,000 - $99,999.99

1.74%

1.75%

$75,000

$100,000 - $199,999.99

1.88%

1.90%

$100,000

$200,000 - $249,999.99

2.18%

2.20%

$200,000

$250,000 - $499,999.99

2.67%

2.70%

$250,000

$500,000 - $999,999.99

3.15%

3.20%

$500,000

$1,000,000+

3.54%

3.60%

$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

1.54%

1.55%

$55,000

$75,000 - $99,999.99

1.64%

1.65%

$75,000

$100,000 - $199,999.99

1.79%

1.80%

$100,000

$200,000 - $249,999.99

2.08%

2.10%

$200,000

$250,000 - $499,999.99

2.57%

2.60%

$250,000

$500,000 - $999,999.99

3.06%

3.10%

$500,000

$1,000,000+

3.45%

3.50%

$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+

0.50%

0.50%

$500

49er Premier Money Market

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

1.49%

1.50%

$25,000

$45,000 - $95,999.99

1.59%

1.60%

$45,000

$96,000+

1.64%

1.65%

$96,000

49er Jumbo Money Market

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

$49,000 - $95,999.99

1.59%

1.60%

$49,000

$96,000+

1.64%

1.65%

$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

0.50%

0.50%

$25,000

$96,000+

0.65%

0.65%

$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

1.29%

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.

49er Certificate of Deposit (CD) Rates

49er Certificate of Deposit Specials

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

11 Months

4.23%

4.30%

$1,000

22 Months

4.33%

4.40%

$1,000

33 Months

4.43%

4.50%

$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)

1.59% 1.60%  $1,000

One Year
(12 – 23 months)

2.53% 2.55%  $1,000

Two Years
(24 – 35 months)

2.67% 2.70%  $1,000

Three Years
(36 – 59 months)

2.77% 2.80%  $1,000

Five Years
(60 – 83 months)

2.87% 2.90%  $1,000

Seven Years
(84+ months)

2.97% 3.00%  $1,000

Certificate of Deposit (CD) Rates

Certificate of Deposit Specials

Balance

Interest Rate

APY

Minimum Balance to Earn Interest

11 Months

4.14%

4.20%

$1,000

22 Months

4.23%

4.30%

$1,000

33 Months

4.33%

4.40%

$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)

1.54%  1.55%

$1,000

One Year
(12 – 23 months)

2.48% 2.50%

$1,000

Two Years
(24 – 35 months)

2.62% 2.65%

$1,000

Three Years
(36 – 59 months)

2.72% 2.75%

$1,000

Five Years
(60 – 83 months)

2.82% 2.85%

$1,000

Seven Years
(84+ months)

2.92% 2.95%

$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.

Get Started Badge

Get Started

Apply Now

Join the FCB Team

Apply Here

Auto Loans

with rates as low as

5.74% APR*