☰

Home›
Banks›
FCB Banks

iAdvertiser Disclosure

FCB Banks Rates & Review November 2026

Q: What are the current interest rates at FCB Banks?

Current rates for FCB Banks include: 12-Month CD: 2.75%, 24-Month CD: 2.90%, 36-Month CD: 3.00%, 48-Month CD: 4.25%, 60-Month CD: 4.30%, Savings: 0.40%, MMA: 3.85%

Q: What CD terms does FCB Banks offer?

FCB Banks CD rates are 2.75% APY for a 12 month CD, 4.25% APY for a 13 month CD, 2.90% APY for a 2 year CD, 4.30% APY for a 35 month CD, 3.00% APY for a 3 year CD, 4.35% APY for a 47 month CD, 4.25% APY for a 4 year CD, 4.40% APY for a 59 month CD and 4.30% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with FCB Banks for its full lineup.

Q: What is the lowest auto loan rate at FCB Banks?

The lowest FCB Banks auto loan rate is its Auto Loans at 4.99% APR, verified by MonitorBankRates as of November 5, 2026.

Q: How many branches does FCB Banks operate?

FCB Banks currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

FCB Banks's 49er CD Specials - 59-Month rates are at 4.40%, 47-Month 49er CD Specials rates are at 4.35%, 35-Month 49er CD Specials rates are at 4.30%, CD Specials - 59-Month rates are at 4.30%, 13-Month 49er CD Specials rates are at 4.25%. FCB Banks's savings rates are at 0.40%. FCB Banks's money market rates are at 3.85%. FCB Banks's checking rates are as high as 0.75%. FCB Banks's Auto Loan Rates are as low as 4.99%. FCB Banks's top CD rate of 4.40% APY on a 59 month CD is 50% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of FCB Banks with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.31%. Rates last updated and verified on 11/05/2026.

FCB Banks money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at FCB Banks? Share your experience about FCB Banks by leaving a review below, or read customer reviews before you decide to use FCB Banks.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.31%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

FCB Banks

800 Belt Line Rd
Collinsville, IL 62234

https://www.fcbbanks.com

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

FCB Banks CD Rates

Product	Rate	APY	Term
49er CD Specials - 59-month	4.33%	4.40%	59 Months
Min Balance $1,000 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15% Oct 20, 20264.40%▲ from 4.15% Sep 18, 20264.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
47-Month 49er CD Specials	4.28%	4.35%	47 Months
Min Balance $1,000 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10% Oct 20, 20264.35%▲ from 4.10% Sep 18, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
35-Month 49er CD Specials	4.23%	4.30%	35 Months
Min Balance $1,000 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05% Oct 20, 20264.30%▲ from 4.05% Sep 18, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
CD Specials - 59-month	4.23%	4.30%	59 Months
Min Balance $1,000 Details Minimum Balance to Earn Interest $1,000 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05% Oct 20, 20264.30%▲ from 4.05% Sep 18, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
13-Month 49er CD Specials	4.18%	4.25%	13 Months
Min Balance $1,000 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 20, 20264.25%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
CD Specials - 47-month	4.18%	4.25%	47 Months
Min Balance $1,000 Details Minimum Balance to Earn Interest $1,000 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 20, 20264.25%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
49er CD Specials - 7-month	4.13%	4.20%	7 Months
Min Balance $1,000 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.95% → 4.20% ▲ 0.25 pts · high 4.20% / low 3.95% Oct 20, 20264.20%▲ from 3.95% Sep 18, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
CD Specials - 35-month	4.14%	4.20%	35 Months
Min Balance $1,000 Details Minimum Balance to Earn Interest $1,000 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.95% → 4.20% ▲ 0.25 pts · high 4.20% / low 3.95% Oct 20, 20264.20%▲ from 3.95% Sep 18, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
CD Specials - 13-month	4.09%	4.15%	13 Months
Min Balance $1,000 Details Minimum Balance to Earn Interest $1,000 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90% Oct 20, 20264.15%▲ from 3.90% Sep 18, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
CD Specials - 7-month	4.04%	4.10%	7 Months
Min Balance $1,000 Details Minimum Balance to Earn Interest $1,000 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85% Oct 20, 20264.10%▲ from 3.85% Sep 18, 20263.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
36-month 49er CD	3.02%	3.05%	36 months
Min Balance $1,000 Details Term: Three Years (36 - 59 months) Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
36-Month CD	2.97%	3.00%	36 months
Min Balance $1,000 Details Term: Three Years (36 - 59 months) Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
24-month 49er CD	2.92%	2.95%	24 months
Min Balance $1,000 Details Term: Two Years (24 - 35 months) Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
24-Month CD	2.87%	2.90%	24 months
Min Balance $1,000 Details Term: Two Years (24 - 35 months) Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
12-month 49er CD	2.77%	2.80%	12 months
Min Balance $1,000 Details Term: One Year (12 - 23 months) Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
12-Month CD	2.72%	2.75%	12 months
Min Balance $1,000 Details Term: One Year (12 - 23 months) Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

FCB Banks Savings Rates

Product	Rate	APY
49er Gold Club Account	2.18%	2.20%
Min Balance $96,000 Details Balance: $96,000+; Available to current 49er Gold Club members; table not named on page Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 2.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
49er Gold Club Account	2.08%	2.10%
Min Balance $49,000 Details Balance: $49,000 - $95,999.99; Available to current 49er Gold Club members; table not named on page Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 2.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Health Savings Account (HSA)	0.40%	0.40%
Min Balance $0 Details Balance: All Balances Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

FCB Banks Money Market Rates

Product	Rate	APY
Hometown Money Market (with Direct Deposit)	3.78%	3.85%
Min Balance $1,000,000 Details Balance: $1,000,000+; Minimum Balance to Earn Interest: $1,000,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Hometown Money Market (with Direct Deposit)	3.69%	3.75%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Minimum Balance to Earn Interest: $500,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Hometown Money Market (without Direct Deposit)	3.69%	3.75%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Hometown Money Market (without Direct Deposit)	3.59%	3.65%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Hometown Money Market (with Direct Deposit)	3.25%	3.30%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Minimum Balance to Earn Interest: $250,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Hometown Money Market (with Direct Deposit)	3.15%	3.20%
Min Balance $200,000 Details Balance: $200,000 - $249,999.99; Minimum Balance to Earn Interest: $200,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Hometown Money Market (without Direct Deposit)	3.15%	3.20%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Hometown Money Market (with Direct Deposit)	3.06%	3.10%
Min Balance $100,000 Details Balance: $100,000 - $199,999.99; Minimum Balance to Earn Interest: $100,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Hometown Money Market (without Direct Deposit)	3.06%	3.10%
Min Balance $200,000 Details Balance: $200,000 - $249,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Hometown Money Market (without Direct Deposit)	2.96%	3.00%
Min Balance $100,000 Details Balance: $100,000 - $199,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Hometown Money Market (with Direct Deposit)	2.57%	2.60%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99; Minimum Balance to Earn Interest: $75,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.60% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Hometown Money Market (with Direct Deposit)	2.47%	2.50%
Min Balance $55,000 Details Balance: $55,000 - $74,999.99; Minimum Balance to Earn Interest: $55,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Hometown Money Market (without Direct Deposit)	2.47%	2.50%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Hometown Money Market (without Direct Deposit)	2.38%	2.40%
Min Balance $55,000 Details Balance: $55,000 - $74,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.40% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
49er Premier Money Market	2.08%	2.10%
Min Balance $96,000 Details Balance: $96,000+ Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Jumbo Money Market	2.08%	2.10%
Min Balance $96,000 Details Balance: $96,000+ Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
49er Premier Money Market	2.03%	2.05%
Min Balance $45,000 Details Balance: $45,000 - $95,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Jumbo Money Market	1.98%	2.00%
Min Balance $49,000 Details Balance: $49,000 - $95,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Premier Money Market	1.98%	2.00%
Min Balance $96,000 Details Balance: $96,000+ Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
49er Premier Money Market	1.93%	1.95%
Min Balance $25,000 Details Balance: $25,000 - $44,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Premier Money Market	1.93%	1.95%
Min Balance $45,000 Details Balance: $45,000 - $95,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Premier Money Market	1.84%	1.85%
Min Balance $25,000 Details Balance: $25,000 - $44,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.85% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
49er Premier Money Market	1.69%	1.70%
Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Premier Money Market	1.59%	1.60%
Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
49er Premier Money Market	0.75%	0.75%
Min Balance $0 Details Balance: Below $5,000; Minimum Balance to Earn Interest: $0.01 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Premier Money Market	0.65%	0.65%
Min Balance $0 Details Balance: Below $5,000; Minimum Balance to Earn Interest: $0.01 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Hometown Money Market (with Direct Deposit)	0.00%	0.00%
Min Balance $0 Details Balance: Below $55,000; Minimum Balance to Earn Interest: $0.01 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.47% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

FCB Banks Business Money Market Rates

Product	Rate	APY
Commercial Money Market	2.03%	2.05%
Min Balance $96,000 Details Balance: $96,000+ Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Commercial Money Market	1.79%	1.80%
Min Balance $25,000 Details Balance: $25,000 - $95,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Commercial Money Market	1.59%	1.60%
Min Balance $1,000 Details Balance: $1,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Commercial Money Market	0.45%	0.45%
Min Balance $0 Details Balance: Below $1,000; Minimum Balance to Earn Interest: $0.01 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

FCB Banks Checking Rates

Product	Rate	APY
49er Gold Club Checking	0.60%	0.60%
Min Balance $500 Details Balance: $500+; Available to current 49er Gold Club members Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
First Rate Direct Checking	0.30%	0.30%
Min Balance $1,000 Details Balance: $1,000+; Minimum Balance to Earn Interest: $1,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

FCB Banks Business Checking Rates

Product	Rate	APY
Jumbo Commercial Money Market (with Primary Business Checking at FCB)	3.69%	3.75%
Min Balance $1,000,000 Details Balance: $1,000,000+; Credit allowance on Commercial Checking is available Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Jumbo Commercial Money Market (with Primary Business Checking at FCB)	3.59%	3.65%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Credit allowance on Commercial Checking is available Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Jumbo Commercial Money Market (with Primary Business Checking at FCB)	3.55%	3.60%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Credit allowance on Commercial Checking is available Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Jumbo Commercial Money Market (with Primary Business Checking at FCB)	3.50%	3.55%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Credit allowance on Commercial Checking is available Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Jumbo Commercial Money Market (without Primary Business Checking at FCB)	3.45%	3.50%
Min Balance $1,000,000 Details Balance: $1,000,000+; Credit allowance on Commercial Checking is available Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Jumbo Commercial Money Market (without Primary Business Checking at FCB)	3.35%	3.40%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Credit allowance on Commercial Checking is available Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Jumbo Commercial Money Market (without Primary Business Checking at FCB)	3.30%	3.35%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Credit allowance on Commercial Checking is available Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Jumbo Commercial Money Market (without Primary Business Checking at FCB)	3.26%	3.30%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Credit allowance on Commercial Checking is available Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Commercial Interest Checking	0.75%	0.75%
Min Balance $96,000 Details Balance: $96,000+ Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Commercial Interest Checking	0.60%	0.60%
Min Balance $25,000 Details Balance: $25,000 - $95,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Commercial Interest Checking	0.50%	0.50%
Min Balance $1,000 Details Balance: $1,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Commercial Interest Checking	0.00%	0.00%
Min Balance $0 Details Balance: Below $1,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Jumbo Commercial Money Market (with Primary Business Checking at FCB)	0.00%	0.00%
Min Balance $0 Details Balance: Below $100,000; Credit allowance on Commercial Checking is available Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

FCB Banks Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.99%
Details As Low As; Auto loans as low as 4.99% APR* Last Updated 11/05/2026 Rate History 1 change since Sep 15, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 26, 20264.99%▲ from 4.74% Sep 15, 20264.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

FCB Banks Other Rates

Product	Rate	Points	APY/APR	Term
49er Certificate of Deposit Specials - 13 Months	4.18%	-	4.25%	13 Months
Min Balance $1,000 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 20, 20264.25%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
49er Certificate of Deposit Specials - 35 Months	4.23%	-	4.30%	35 Months
Min Balance $1,000 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05% Oct 20, 20264.30%▲ from 4.05% Sep 18, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
49er Certificate of Deposit Specials - 47 Months	4.28%	-	4.35%	47 Months
Min Balance $1,000 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10% Oct 20, 20264.35%▲ from 4.10% Sep 18, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
59 Month 49er Certificate of Deposit Specials	4.33%	-	4.40%	59 Months
Min Balance $1,000 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15% Oct 20, 20264.40%▲ from 4.15% Sep 18, 20264.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
7 Month 49er Certificate of Deposit Specials	4.13%	-	4.20%	7 Months
Min Balance $1,000 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.95% → 4.20% ▲ 0.25 pts · high 4.20% / low 3.95% Oct 20, 20264.20%▲ from 3.95% Sep 18, 20263.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

FCB Banks’s Texas Ratio rose from 3.72% in Q3 2023 to 7.31% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.6B	7.31%	5.0	A
March 31, 2026	$2.6B	7.68%	5.0	A
December 31, 2025	$2.6B	4.37%	5.0	A+
September 30, 2025	$2.6B	3.73%	5.0	A+
June 30, 2025	$2.6B	4.04%	5.0	A+
March 31, 2025	$2.5B	4.11%	5.0	A+
December 31, 2024	$2.4B	3.34%	5.0	A+
September 30, 2024	$2.4B	4.65%	5.0	A+
June 30, 2024	$2.4B	3.06%	5.0	A+
March 31, 2024	$2.2B	3.24%	5.0	A+
December 31, 2023	$2.2B	3.31%	5.0	A+
September 30, 2023	$2.2B	3.72%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for FCB Banks is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather FCB Banks rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with FCB Banks's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name FCB Banks

Website https://www.fcbbanks.com

Address 800 Belt Line Rd, Collinsville, IL 62234 · Madison

Bank Holding Company FIRST CO BCORP INC

FDIC Certificate # 33005

Regulator FDIC

Established July 9, 1990

FDIC Insurance Date July 9, 1990

Domestic Offices 20

Total Branches 20

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.31%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.7924%

Return on Equity (ROE)

21.9800%

Non-Performing Loans Ratio (NPL)

0.59%

Total Assets

$2,641,469,000

Total Deposits

$2,269,637,000

Equity Capital

$214,819,000

Net Income

$23,434,000

Headquarters

Collinsville

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

FCB Banks earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/fcb-banks-rates-review-33005">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for FCB Banks yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for FCB Banks

Frequently Asked Questions About FCB Banks

Does FCB Banks offer CDs?

Yes. FCB Banks current CD rates include its 49er CD Specials - 59-Month at 4.40% APY, its 47-Month 49er CD Specials at 4.35% APY and its 35-Month 49er CD Specials at 4.30% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from FCB Banks FDIC insured?

Yes. FCB Banks is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at FCB Banks?

The highest FCB Banks CD rate is its 49er Certificate of Deposit Specials - 59-Month at 4.40% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does FCB Banks offer?

FCB Banks CD rates are 2.75% APY for a 12 month CD, 4.25% APY for a 13 month CD, 2.90% APY for a 2 year CD, 4.30% APY for a 35 month CD, 3.00% APY for a 3 year CD, 4.35% APY for a 47 month CD, 4.25% APY for a 4 year CD, 4.40% APY for a 59 month CD and 4.30% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with FCB Banks for its full lineup.

What is the highest savings rate at FCB Banks?

The highest FCB Banks savings rate is its Health Savings Account (HSA) at 0.40% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at FCB Banks?

The highest FCB Banks money market rate is its Hometown Money Market (with Direct Deposit) at 3.85% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at FCB Banks?

The highest FCB Banks checking rate is its Jumbo Commercial Money Market (with Primary Business Checking at FCB) at 3.75% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest auto loan rate at FCB Banks?

The lowest FCB Banks auto loan rate is its Auto Loans at 4.99% APR, verified by MonitorBankRates as of November 5, 2026.

How many branches does FCB Banks operate?

FCB Banks currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, FCB Banks does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, FCB Banks provides members with tools to manage their accounts and build a solid financial history.

Does FCB Banks offer online and mobile banking?

Most modern institutions like FCB Banks provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fcbbanks.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do FCB Banks rates compare?

FCB Banks's top CD rate of 4.40% APY on a 59 month CD is 50% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A health rating. FCB Banks's top rates are its 59-Months 49er Certificate of Deposit Specials - 59-Month at 4.40% APY, its Health Savings Account (HSA) at 0.40% APY, its Hometown Money Market (with Direct Deposit) at 3.85% APY, its Commercial Interest Checking at 0.75% APY and its Auto Loans at 4.99% APR, verified by MonitorBankRates on November 5, 2026.

Current FCB Banks Rates

12-Month CD2.75%
24-Month CD2.90%
36-Month CD3.00%
48-Month CD4.25%
60-Month CD4.30%
Savings0.40%
MMA3.85%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

Casey County Bank Prime Security Bank ECB Eastern Colorado Bank Jonestown Bank and Trust Company FNB Cortez CIT Bank The Peoples State Bank Cherryvale, KS Community Bank of Louisiana Monument Bank Summit State Bank Wayne County Bank Sentry Bank Greenfield Banking Company Greenfield, IN Oklahoma State Bank Houston Bank & Trust Transact Bank, National Association Resource Bank, N.A. Bar Harbor Bank & Trust FNB of Elmer Grand Bank Tower Community Bank

FCB Banks Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

FCB Banks Texas Ratio

FCB Banks Health Trend

FCB Banks CD Rates

FCB Banks Savings Rates

FCB Banks Money Market Rates

FCB Banks Business Money Market Rates

FCB Banks Checking Rates

FCB Banks Business Checking Rates

FCB Banks Auto Loan Rates

FCB Banks Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

FCB Banks earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About FCB Banks

Does FCB Banks offer CDs?

Are CDs from FCB Banks FDIC insured?

What is the highest CD rate at FCB Banks?

What CD terms does FCB Banks offer?

What is the highest savings rate at FCB Banks?

What is the highest money market rate at FCB Banks?

What is the highest checking rate at FCB Banks?

What is the lowest auto loan rate at FCB Banks?

How many branches does FCB Banks operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does FCB Banks offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do FCB Banks rates compare?

Current FCB Banks Rates

Compare to Other Banks