FCB Banks rates: up to 4.45% APY
bank · FDIC CERT 33005 · www.fcbbanks.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Health Savings Account | All Balances | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings | Below $500 | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings | $500+ | 0.50% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 49er Certificate of Deposit | One Month (One month – 181 days) · $1,000 | 1.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | One Month (One month – 181 days) · $1,000 | 1.10% | APY | 2026-11-01 | since 2026-11-01 | |
| 49er Certificate of Deposit | Six Months (182 – 364 days) · $1,000 | 1.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | Six Months (182 – 364 days) · $1,000 | 1.80% | APY | 2026-11-01 | since 2026-11-01 | |
| 49er Certificate of Deposit Specials | 7 Months | 4.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit Specials | 7 Months | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| 49er Certificate of Deposit | One Year (12 – 23 months) · $1,000 | 2.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | One Year (12 – 23 months) · $1,000 | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 49er Certificate of Deposit Specials | 13 Months | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit Specials | 13 Months | 4.15% | APY | 2026-11-01 | since 2026-11-01 | |
| 49er Certificate of Deposit | Two Years (24 – 35 months) · $1,000 | 2.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | Two Years (24 – 35 months) · $1,000 | 2.90% | APY | 2026-11-01 | since 2026-11-01 | |
| 49er Certificate of Deposit Specials | 35 Months | 4.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit Specials | 35 Months | 4.20% | APY | 2026-11-01 | since 2026-11-01 | |
| 49er Certificate of Deposit | Three Years (36 – 59 months) · $1,000 | 3.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | Three Years (36 – 59 months) · $1,000 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 49er Certificate of Deposit Specials | 47 Months | 4.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit Specials | 47 Months | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 49er Certificate of Deposit Specials | 59 Months | 4.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit Specials | 59 Months | 4.30% | APY | 2026-11-01 | since 2026-11-01 | |
| 49er Certificate of Deposit | Five Years (60 – 83 months) · $1,000 | 3.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | Five Years (60 – 83 months) · $1,000 | 3.10% | APY | 2026-11-01 | since 2026-11-01 | |
| 49er Certificate of Deposit Specials | 71 Months | 4.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit Specials | 71 Months | 4.35% | APY | 2026-11-01 | since 2026-11-01 | |
| 49er Certificate of Deposit | Seven Years (84+ months) · $1,000 | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | Seven Years (84+ months) · $1,000 | 3.20% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 49er Jumbo Money Market | $49,000 - $95,999.99 | 2.10% | APY | 2026-11-01 | since 2026-11-01 | |
| 49er Jumbo Money Market | $96,000+ | 2.20% | APY | 2026-11-01 | since 2026-11-01 | |
| 49er Premier Money Market | Below $5,000 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 49er Premier Money Market | $5,000 - $24,999.99 | 1.70% | APY | 2026-11-01 | since 2026-11-01 | |
| 49er Premier Money Market | $25,000 - $44,999.99 | 1.95% | APY | 2026-11-01 | since 2026-11-01 | |
| 49er Premier Money Market | $45,000 - $95,999.99 | 2.05% | APY | 2026-11-01 | since 2026-11-01 | |
| 49er Premier Money Market | $96,000+ | 2.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Hometown Money Market | Below $55,000 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Hometown Money Market | $55,000 - $74,999.99 | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Hometown Money Market | $75,000 - $99,999.99 | 2.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Hometown Money Market | $100,000 - $199,999.99 | 3.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Hometown Money Market | $200,000 - $249,999.99 | 3.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Hometown Money Market | $250,000 - $499,999.99 | 3.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Hometown Money Market | $500,000 - $999,999.99 | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Hometown Money Market | $1,000,000+ | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Money Market | $49,000 - $95,999.99 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Money Market | $96,000+ | 2.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market | Below $5,000 | 0.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market | $5,000 - $24,999.99 | 1.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market | $25,000 - $44,999.99 | 1.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market | $45,000 - $95,999.99 | 1.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Money Market | $96,000+ | 2.00% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 49er Gold Club Checking | $500+ | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| First Rate Checking | $1,000+ | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| First Rate Direct Checking | $1,000+ | 0.30% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.fcbbanks.com/personal-banking/deposit-products/rates | 2026-11-01 18:15 UTC | ok | 911fd955abdd |
| www.fcbbanks.com/personal-banking/deposit-products/cds | — | extract-failed |