Accounts Available to Open Online Last Updated: January 17, 2025
| Term | Tiered Amounts | Rate | APY | Minimum to Open | Open Online |
|---|---|---|---|---|---|
| Free Checking* | N/A | N/A | N/A | $25.00 | Click Here |
| 50+ Checking* | N/A | 0.300% | 0.30% | $100.00 | Click Here |
| Premier Checking* | N/A | 0.250% | 0.25% | $500.00 | Click Here |
| Relationship Money Market*** | N/A | 3.441% | 3.50% | $1,000.00 | Click Here |
| Premier Money Market* | $0 - $49,999.99 | 1.243% | 1.25% | $10,000.00 | Click Here |
| $50,000.00+ | 1.489% | 1.50% | $10,000.00 | Click Here | |
| Ultimate Rewards** | $0 - $100,000.00 | 2.956% | 3.00% | $100.00 | Click Here |
| Premier Savings* | N/A | 0.350% | 0.35% | $1,000.00 | Click Here |
| 6 Month CD**** | N/A | 3.923% | 4.00% | $1,000.00 | Click Here |
| 7 Month CD - Online Only**** | N/A | 4.259% | 4.35% | $1,000.00 | Click Here |
| 12 Month CD**** | N/A | 4.067% | 4.15% | $1,000.00 | Click Here |
| 24 Month CD**** | N/A | 3.199% | 3.25% | $1,000.00 | Click Here |
| Free Business Checking* | N/A | N/A | N/A | $50.00 | Click Here |
| Non-Profit Checking* | N/A | 0.25% | 0.25% | $50.00 | Click Here |
| Business Savings* | N/A | 0.10% | 0.10% | $100.00 | Click Here |
| Premier Business Money Market* | $0 - $49,999.99 | 1.735% | 1.75% | $10,000.00 | Click Here |
| $50,000.00+ | 2.713% | 2.75% | $10,000.00 | Click Here | |
| Business Relationship Money Market*** | N/A | 3.441% | 3.50% | $1,000.00 | Click Here |
*Annual Percentage Yield (APY) listed is available as of November 12, 2024. Minimum initial deposit to open Free Checking is $25.00. Minimum initial deposit to open 50+ Checking is $100.00. Minimum initial deposit to open Premier Checking is $500.00. Minimum initial deposit to open Premier Money Market is $10,000.00. Minimum initial deposit to open Premier Savings is $1,000.00. Minimum initial deposit to open Free Business Checking is $50.00. Minimum initial deposit to open Non-Profit Checking is $50.00. Minimum initial deposit to open Business Savings is $100.00. Minimum initial deposit to open Premier Business Money Market is $10,000.00. Terms and interest rates are subject to change without prior notice after account opening. Fees may reduce earnings.
**Annual Percentage Yield (APY) listed is available as of September 19, 2024. Minimum initial deposit to open an Ultimate Rewards account is $100.00. 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.
***Annual Percentage Yield (APY) listed is available as of January 17, 2025. Minimum deposit to open Relationship Money Market account is $1,000.00. If unable to maintain a daily balance of $25,000.00, a $15.00 monthly maintenance fee will be imposed. Minimum deposit to open Business Relationship Money Market account is $1,000.00. If unable to maintain a daily balance of $50,000.00, a $15.00 monthly maintenance fee will be imposed. Interest rates are subject to change at any time without prior notice before or after the account is opened. Fees may reduce earnings on this account. Some restrictions apply.
****Annual Percentage Yield (APY) listed is available as of December 19, 2024. 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. For the 7 Month CD, there is a maximum of $250,000.00 per account limit. A penalty will be assessed for early withdrawal and could reduce earnings on this account.