Deposit Rates

It’s never too early to begin saving! From FDIC insured transactional deposit accounts to time deposits, watch your hard work pay off with our highly competitive interest rates.

Effective November 8, 2025

Promotional CD Rates

Term	Rate	APY*	Minimum to Open
9 Month	4.881%	5.00%	$1,000.00
24 Month	4.402%	4.50%	$1,000.00
36 Month	2.713%	2.75%	$1,000.00

*Annual Percentage Yield (APY) listed is available as of December 8, 2023. APY assumes that principal and interest will remain on deposit at the same rate until maturity. CD will automatically renew on maturity at the current published FCB APY for that term. Minimum deposit to open certificate and obtain stated APY is $1,000.00. A penalty will be assessed for early withdrawal and could reduce earnings on this account.

Ultimate Rewards Checking

Account Description		Rate	APY**	Minimum to Open
Ultimate Rewards Checking	Rate applicable for balances up to $100,000.00 when qualifications are met.	4.000%	4.08%	$100.00
		0.500%	0.50%	$100.00

**Ultimate Rewards Checking Annual Percentage Yield (APY) listed above is available as of May 2, 2023. Minimum deposit to open an Ultimate Rewards Checking account is $100. No minimum balance is required. Stated Annual Percentage Yield (APY) listed is available on balances up to $100,000 when the following criteria are met each monthly statement cycle: Account must be enrolled in E-Statements, post and clear 1 ACH credit, and post and clear 1 ACH debit or Bill Pay transaction. If all criteria are not met and maintained each monthly statement cycle, balances will earn 0.50% APY. Interest rate and terms are subject to change without prior notice after account opening. Fees may reduce earnings on this account. Some restrictions apply.

Advantage Money Market Rates

Account Description	Tiered Amounts	Rate	APY***	Minimum to Open
Advantage Money Market	$0.00 – $49,999.99	3.441%	3.50%	$5,000.00
	$50,000.00 – $99,999.99	3.441%	3.50%	$5,000.00
	$100,000.00 +	3.441%	3.50%	$5,000.00

Premier Money Market Rates

Account Description	Tiered Amounts	Rate	APY***	Minimum to Open
Premier Money Market	$0 – $49,999.99	1.489%	1.50%	$50,000.00
	$50,000.00 +	1.735%	1.75%	$50,000.00

Premier Business Money Market Rates

Account Description	Tiered Amounts	Rate	APY****	Minimum to Open
Premier Business Money Market	$0 – $49,999.99	1.981%	2.00%	$25,000.00
	$50,000.00 +	2.956%	3.00%	$25,000.00

***Annual Percentage Yield (APY) listed is available as of March 24, 2023. Interest rate and Annual Percentage Yield (APY) for your account depend on applicable rate tier. Tier 1- If your daily balance is $0.00 up to $49,999.99 you will earn an interest rate of 3.441% and an APY of 3.50%. Tier 2- If your daily balance is $50,000.00 up to $99,999.99 you will earn an interest rate of 3.441% with a 3.50% APY. Tier 3- If your daily balance is $100,000.00 or more you will earn an interest rate of 3.441% with a 3.50% APY. Minimum deposit to open Advantage Money Market account is $5,000. If unable to maintain a daily balance of $5,000, a $15.00 monthly maintenance fee will be imposed. **In order to open an Advantage Money Market account, you must open or maintain an Advantage Interest Checking account with a minimum balance of $1,000. If unable to maintain a daily balance of $1,000, a $12.00 monthly maintenance fee will be imposed. Fees may reduce earnings on this account. Interest rate and terms are subject to change without prior notice after account opening. Some restrictions apply.
****Premier Money Market Annual Percentage Yield (APY) listed above is available as of November 4, 2022. Minimum balance to open and obtain stated 1.75% APY is $50,000.00. If unable to maintain a daily balance of $10,000.00, a $10.00 monthly maintenance fee will be imposed. In order to open a Premier Money Market account, you must open or maintain a Premier Interest Checking account with a minimum balance of $5,000.00. Fees may reduce earnings on account. Interest rate and terms are subject to change without prior notice after account opening. Other restrictions may apply.
*****Premier Business Money Market Annual Percentage Yield (APY) listed above is available as of November 4, 2022. Minimum balance to open is $25,000.00. Minimum balance to obtain stated 3.00% APY is $50,000.00. If unable to maintain a daily balance of $10,000.00, a $10.00 monthly maintenance fee will be imposed. In order to open a Premier Money Market account, you must open or maintain a Premier Interest Checking account with a minimum balance of $5,000.00. Fees may reduce earnings on account. Interest rate and terms are subject to change without prior notice after account opening. Other restrictions may apply.
Minimum to open a Premier Interest Checking is $500.00. Minimum balance to obtain stated APY is $5,000.00. If unable to maintain a daily balance of $5,000.00, a $10.00 monthly maintenance fee will be imposed. In order to open a Premier Interest Checking account, you must open or maintain a Premier Money Market with a minimum balance of $50,000.00. Fees may reduce earnings on account. Interest rate and terms are subject to change without prior notice after account opening. Other restrictions may apply. See Fee Schedule for savings with VIP Services.
Minimum to open a Premier Interest Business Checking is $500.00. Minimum balance to obtain stated APY is $5,000.00. If unable to maintain a daily balance of $5,000.00, a $25.00 monthly maintenance fee will be imposed. In order to open a Premier Interest Business Checking account, you must open or maintain a Premier Money Market with a minimum balance of $50,000.00. Fees may reduce earnings on account. Interest rate and terms are subject to change without prior notice after account opening. Other restrictions may apply. See Fee Schedule for savings with VIP Services.