Rates
Rates current as of January 19, 2024.
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+ |
0.30% |
0.30% |
$1,000 |
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
$1,000+ |
0.30% |
0.30% |
$1,000 |
Savings, HSAs & Money Market Account Rates
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
Below $500 |
0.35% |
0.35% |
$0.01 |
|
$500+ |
0.50% |
0.50% |
$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 |
0.65% | 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 |
|
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 |
|
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 |
|
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
|
Balance |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
$500+ |
0.60% |
0.60% |
$500 |
|
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 |
|
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
|
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 |
| Term | Interest Rate | APY | Minimum Balance to Earn Interest |
|---|---|---|---|
|
One Month |
1.15% | 1.15% | $1,000 |
|
Six Months |
1.84% | 1.85% | $1,000 |
|
One Year |
2.77% | 2.80% | $1,000 |
|
Two Years |
2.92% | 2.95% | $1,000 |
|
Three Years |
3.02% | 3.05% | $1,000 |
|
Five Years |
3.11% | 3.15% | $1,000 |
|
Seven Years |
3.21% | 3.25% | $1,000 |
Certificate of Deposit (CD) Rates
|
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 |
|
Term |
Interest Rate |
APY |
Minimum Balance to Earn Interest |
|---|---|---|---|
|
One Month |
1.10% | 1.10% |
$1,000 |
|
Six Months |
1.79% | 1.80% |
$1,000 |
|
One Year |
2.72% | 2.75% |
$1,000 |
|
Two Years |
2.87% | 2.90% |
$1,000 |
|
Three Years |
2.97% | 3.00% |
$1,000 |
|
Five Years |
3.07% | 3.10% |
$1,000 |
|
Seven Years |
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
|
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 |
|
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.
|
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.
