Rates
Rates current as of July 30, 2018.
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 & Money Market Account Rates
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
Below $500 |
0.30% |
0.30% |
$0.01 |
|
$500+ |
0.35% |
0.35% |
$500 |
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
Below $5,000 |
0.35% | 0.35% |
$0.01 |
|
$5,000 - $24,999.99 |
0.65% |
0.65% |
$5,000 |
|
$25,000 - $44,999.99 |
0.70% |
0.70% |
$25,000 |
|
$45,000 - $95,999.99 |
0.75% |
0.75% |
$45,000 |
|
$96,000+ |
0.90% |
0.90% |
$96,000 |
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
| $49,000 - $95,999.99 | 0.75% | 0.75% | $49,000 |
| $96,000+ | 0.95% | 0.95% | $96,000 |
49er Gold Club Account Rates
Available to current 49er Gold Club members
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
$500+ |
0.45% |
0.45% |
$500 |
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
Below $5,000 |
0.40% |
0.40% |
$0.01 |
|
$5,000 - $24,999.99 |
0.70% |
0.70% |
$5,000 |
|
$25,000 - $44,999.99 |
0.75% |
0.75% |
$25,000 |
|
$45,000 - $95,999.99 |
0.80% |
0.80% |
$45,000 |
|
$96,000+ |
0.95% |
0.95% |
$96,000 |
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
$49,000 - $95,999.99 |
0.80% |
0.80% |
$49,000 |
|
$96,000+ |
1.00% |
1.00% |
$96,000 |
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 |
0.55% |
0.55% |
$1,000 |
|
$25,000 - $95,999.99 |
0.60% |
0.60% |
$25,000 |
|
$96,000+ |
0.65% |
0.65% |
$96,000 |
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
Below $1,000 |
0.35% |
0.35% |
$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+ |
0.90% |
0.90% |
$96,000 |
Credit allowance on Commercial Checking is available.
49er Certificate of Deposit (CD) Rates
| Term | Interest Rate | APY | Minimum Balance to Earn Interest |
|---|---|---|---|
| 16 Months | 2.38% | 2.40% | $1,000 |
| 28 Months | 2.58% | 2.60% | $1,000 |
| 35 Months | 2.72% | 2.75% | $1,000 |
| 46 Months | 2.82% |
2.85% |
$1,000 |
| 55 Months | 3.02% | 3.05% | $1,000 |
| 75 Months | 3.16% | 3.20% | $1,000 |
| Term | Interest Rate | APY | Minimum Balance to Earn Interest |
|---|---|---|---|
|
One Month |
0.25% | 0.25% | $1,000 |
|
Six Months |
0.80% | 0.80% | $1,000 |
|
One Year |
1.39% | 1.40% | $1,000 |
|
Two Years |
1.54% | 1.55% | $1,000 |
|
Three Years |
1.74% | 1.75% | $1,000 |
|
Five Years |
1.89% | 1.90% | $1,000 |
|
Seven Years |
2.04% | 2.05% | $1,000 |
Certificate of Deposit (CD) Rates
| Term | Interest Rate | APY | Minimum Balance to Earn Interest |
|---|---|---|---|
| 16 Months | 2.33% | 2.35% | $1,000 |
| 28 Months | 2.53% | 2.55% | $1,000 |
| 35 Months | 2.67% | 2.70% | $1,000 |
| 46 Months | 2.77% | 2.80% | $1,000 |
| 55 Months | 2.97% | 3.00% | $1,000 |
| 75 Months | 3.11% | 3.15% |
$1,000 |
|
Term |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
One Month |
0.20% | 0.20% |
$1,000 |
|
Six Months |
0.75% | 0.75% |
$1,000 |
|
One Year |
1.34% | 1.35% |
$1,000 |
|
Two Years |
1.49% | 1.50% |
$1,000 |
|
Three Years |
1.69% | 1.70% |
$1,000 |
|
Five Years |
1.84% | 1.85% |
$1,000 |
|
Seven Years |
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.
