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Rates

Earn 2.15% APY and ATM Fee Refunds!

Select Rates and Special Promotions


FIRST Rewards Checking
       Monthly direct deposit required to open this account


Earn 2.15% APY* on balances up to $15,000


Earn 0.25% APY* on the portion of your balance over $15,000


Earn 0.05% APY* when qualifications are not met
 

  Absolutely Free Checking with:

  Qualification Cycle Requirements:

  • No monthly service fees

  • Have at least 12 debit card purchases post and settle

  • No minimum balance

  • Have at least one recurring ACH debit post and settle

  • Domestic ATM fee refunds up to $50 per cycle
    when qualifications are met (limited to $4.99
    per single transaction)

  • Receive e-Statements

*APY = Annual Percentage Yield accurate as of 4/16/2014. Minimum to open account is $50. Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $50 ($4.99 per single transaction) and credited to account on last day of monthly  statement cycle. Balances up to $15,000 receive APY of 2.15% and balances over $15,000 earn 0.25% interest rate on portion of balance over $15,000, resulting in 2.15%-0.50% APY depending on balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle trhough one day prior to the close of the current statement cycle. ATM fees of $5.00 or higher will be reimbursed, up to the $4.99 per transaction limit, if appropriate ATM receipt is presented to a representative at one of our branches. Rates may change after account is opened. Available to personal accounts only. Limit two accounts per household. You must set up a direct deposit to open and maintain this account.


  Apply for a deposit account today through our secure form.
 

Certificate of Deposit - Special Rates on Hi-Rise CDs

 

 CD Term

 APY*

 Benefits

 Minimum Opening Deposit

 24-month Hi-Rise CD

 0.75%

 Increase rate once during term of CD

$50,000

 18-month Hi-Rise CD

 0.60%

 Increase rate once during term of CD

$50,000

*APY = Annual Percentage Yield accurate as of 4/16/2014 and subject to change at management's discretion. Minimum opening deposit of $50,000.00 to earn stated APY. Stated APY may change after account is opened as customer may increase rate once during term of CD. Interest will be compounded monthly and credited monthly. A penalty may be imposed for early withdrawal. Please contact a New Account Representative for additional terms or more information.

   Apply for a deposit account today through our secure form.
 

Consumer Loan Rates - Auto Loans

  

 Year

 Interest
 Rate*

 APR**

 Term

 2014 (New)

 4.75%

 5.10%

 Up to 60 months

 2013-2012

 5.00%

 5.35%

 Up to 60 months

 2011-2009

 5.50%

 6.06%

 36 months

*.25% discount on all rates with auto debit from a FCB account. **APR = Annual Percentage Rate
Calculations are based on a loan amount of $10,000 for the stated term and a loan processing fee of $85.00 which is considered a pre-paid finance charge.  Loan amount not to exceed 90% of the purchase price on new vehicles and 100% of the NADA book loan value. The interest rates published on this page are subject to change at management's discretion. This statement of loan terms and conditions is not an offer to enter into an interest rate agreement or loan transaction. In order to receive a guarantee, you must submit an application and receive confirmation from a loan officer that your application has been received and your loan has been approved.

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