Savings Details

FCB Savings Account

FCB’s Savings Account offers a competitive interest rate and is designed for all savings needs, including custodial accounts. Check out the account details below and the open your FCB Savings account today!

Account Details

  • Minimum opening deposit - $25
  • Minimum daily balance - $50
  • Monthly service charge - $5 (Assessed only if account falls below minimum daily balance)
  • Minimum daily balance to earn interest - $.01
  • Interest compounded and credited quarterly (View rates and details)
  • Six withdrawals allowed per month 
    (Each excess withdrawal is subject to a $3.00 fee)

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Premier Money Market Account

An easily-accessible, FDIC-insured, interest-bearing savings account with a premium return on your money. The account details are below; read through and then open your Premier Money Market Account today!

Account Details

  • Minimum opening deposit - $1,000
  • Minimum daily balance - $1,000
  • Monthly service charge - $18 (Assessed only if account falls below minimum daily balance)
  • Minimum daily balance to earn interest - $.01
  • Interest compounded and credited monthly (View rates and details)
  • Receive bonus rate with 49er Gold Club Checking
  • Six withdrawals allowed per month   
     (Each excess withdrawal and/or payment is subject to a $10.00 fee) 

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Jumbo Money Market Account

An easily-accessible, FDIC-insured, interest-bearing savings account with a premium return on your money. The account details are below; read through and then open your Jumbo Money Market Account today!

Account Details

  • Minimum opening deposit - $49,000
  • Minimum daily balance - $.01
  • Minimum daily balance to earn interest - $49,000
  • Interest compounded and credited monthly (View rates and details)
  • Receive bonus rate with 49er Gold Club Checking
  • Six withdrawals allowed per month  
     (Each excess withdrawal and/or payment is subject to a $10.00 fee) 

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Hometown Money Market Account

An easily-accessible, FDIC-insured, interest-bearing savings account with an excellent rate of return on your money, especially when you have direct deposit with FCB. The account details are below; read through and then open your Hometown Money Market Account today!

Account Details

  • Minimum opening deposit - $55,000
  • Minimum daily balance - $.01
  • Minimum daily balance to earn interest - $55,000
  • Interest compounded and credited monthly (View rates and details)
  • Higher rates when you have a qualified direct deposit* credited to any FCB checking account
  • Rates Guaranteed for 12 Months**
  • $100 Bonus when you sign up for e-Statements***
  • Six withdrawals allowed per month
    (Each excess withdrawal and/or payment is subject to a $10.00 fee)

*A qualifying direct deposit is a recurring electronic direct deposit of at least $500 or more per month. This direct deposit can be a paycheck, pension, Social Security or other regular monthly income by an employer or an outside agency. It does not include bank to bank transfers or credit card cash advance transfers. The qualifying direct deposit must be credited to any FCB Checking account. If the qualifying direct deposit is discontinued, the interest rate on the Hometown Money Market account will revert back to the interest rate for the Hometown Money Market account without direct deposit. If this account is opened without a qualifying direct deposit, customer must notify the bank in writing when the qualifying direct deposit begins to be credited to their FCB checking account in order to receive the bonus interest rate.

**These rates are being offered and guaranteed for a limited time. FCB reserves the right to extend, modify or discontinue offering these rates and/or account at any time.The interest rate and APY for the Hometown Money Market Account will be in effect for a twelve month period, commencing on the date the account is established. Thereafter, at FCB’s sole discretion, the interest rate and APY may change at any time. Available to personal and guarantor trust accounts only.

***Bonus will be paid within 90 days of signing up for e-statements. Bonus will be reported as interest. Limit one bonus payment offer per customer in the last 24 months. If multiple accounts are opened with the same owners, only one account will be eligible for the bonus.

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Christmas Club Account

Save for the holidays and the last payment is on us; happy holidays, indeed!

Account Details

  • Accounts are opened in November
  • $5, $10, $20, and $30 denominations
  • Make 49 weekly payments on schedule and the 50th payment is made by us!
  • Payments can be made in person or by automatic transfer
  • Payouts are made via checks or direct deposit in October

Please note: The 50th payment will be paid as bonus interest. Withdrawals are not permitted from Christmas Club accounts. In the event of an extreme emergency the account can be closed with a charge of $15.00. A check will not be issued if less than three payments are made to the account and the balance will be forfeited to cover the cost of the supplies, maintenance, and handling, etc.

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Vacation Club Account

Save for your real estate taxes or summer vacation and the last payment is on us; bon voyage!

Account Details

  • Accounts are opened in May
  • $10, $20, and $30 denominations
  • Make 49 weekly payments on schedule and the 50th payment is made by us!
  • Payments can be made in person or by automatic transfer
  • Payouts are made via checks or direct deposit in April

Please note: The 50th payment will be paid as bonus interest. Withdrawals are not permitted from Vacation Club accounts. In the event of an extreme emergency the account can be closed with a charge of $15.00. A check will not be issued if less than three payments are made to the account and the balance will be forfeited to cover the cost of the supplies, maintenance, and handling, etc.

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