What are the current interest rates at FCB Banks?

Current rates for FCB Banks include: 12-Month CD: 3.90%, 24-Month CD: 2.75%, 36-Month CD: 2.90%, 48-Month CD: 4.00%, 60-Month CD: 3.00%, Savings: 0.50%, MMA: 3.85%

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FCB Banks Rates & Review October 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

FCB Banks's top rates as of October 7, 2026 are 4.15% APY on its 59-Months 49er Certificate of Deposit Specials - 59-Month, 0.50% APY on savings, 3.85% APY on money market accounts, 0.75% APY on checking, and auto loans from 4.74% APR, according to rates verified by MonitorBankRates. Other FCB Banks CD rates include 59-Months 59-Month 49er Certificate of Deposit Specials at 4.15%, 47-Months 47-Month 49er Certificate of Deposit Specials at 4.10%, and 47-Months 49er Certificate of Deposit Specials - 47-Month at 4.10%. 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 10/07/2026.

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 Q2 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

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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 Certificate of Deposit Specials - 59 month	4.09%	4.15%	59 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
59 Month 49er Certificate of Deposit Specials	4.09%	4.15%	59 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
47 Month 49er Certificate of Deposit Specials	4.04%	4.10%	47 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
49er Certificate of Deposit Specials - 47 month	4.04%	4.10%	47 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
35 Month 49er Certificate of Deposit Specials	3.99%	4.05%	35 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
49er Certificate of Deposit Specials - 35 month	3.99%	4.05%	35 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
59 Month Certificate	3.99%	4.05%	59 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
13 Month 49er Certificate of Deposit Specials	3.94%	4.00%	13 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
47 Month Certificate	3.94%	4.00%	47 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
49er Certificate of Deposit Specials - 13 month	3.94%	4.00%	13 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
35 Month Certificate	3.89%	3.95%	35 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
49er Certificate of Deposit Specials - 7 month	3.89%	3.95%	7 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
7 Month 49er Certificate of Deposit Specials	3.89%	3.95%	7 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
13 Month Certificate	3.84%	3.90%	13 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
7 Month Certificate	3.79%	3.85%	7 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
49er Certificate of Deposit	3.21%	3.25%
Min Balance $1,000 Details 84+ months Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
59 month 49er Certificate of Deposit	3.02%	3.05%	59 months
Min Balance $1,000 Details 36 - 59 months Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
59 Month Certificate of Deposit	2.97%	3.00%	59 months
Min Balance $1,000 Details 36 - 59 months Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
35 month 49er Certificate of Deposit	2.92%	2.95%	35 months
Min Balance $1,000 Details 24 - 35 months Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
35 Month Certificate of Deposit	2.87%	2.90%	35 months
Min Balance $1,000 Details 24 - 35 months Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
23 month 49er Certificate of Deposit	2.77%	2.80%	23 months
Min Balance $1,000 Details 12 - 23 months Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
23 Month Certificate of Deposit	2.72%	2.75%	23 months
Min Balance $1,000 Details 12 - 23 months Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
364 days 49er Certificate of Deposit	1.84%	1.85%	364 days
Min Balance $1,000 Details 182 - 364 days Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
364 Day Certificate of Deposit	1.79%	1.80%	364 days
Min Balance $1,000 Details 182 - 364 days Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
1 month 49er Certificate of Deposit	1.15%	1.15%	1 month
Min Balance $1,000 Details One month - 181 days Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
1 Month Certificate of Deposit	1.10%	1.10%	1 month
Min Balance $1,000 Details One month - 181 days Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

FCB Banks Savings Rates

Product	Rate	APY
Savings	0.50%	0.50%
Min Balance $500 Details Balance: $500+ Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Student Savings	0.50%	0.50%
Min Balance $500 Details Balance: $500+ Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Health Savings Account (HSA)	0.40%	0.40%
Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Savings	0.35%	0.35%
Min Balance $0 Details Balance: Below $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Student Savings	0.35%	0.35%
Min Balance $0 Details Balance: Below $500 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 2 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+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.60% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 2.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
49er Jumbo Money Market	2.18%	2.20%
Min Balance $96,000 Details Balance: $96,000+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
49er Jumbo Money Market	2.08%	2.10%
Min Balance $49,000 Details Balance: $49,000 - $95,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 2.05% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 1.85% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%

FCB Banks Business Money Market Rates

Product	Rate	APY
Jumbo Commercial Money Market	3.45%	3.50%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Jumbo Commercial Money Market	3.35%	3.40%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Jumbo Commercial Money Market	3.30%	3.35%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Jumbo Commercial Money Market	3.26%	3.30%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
Commercial Money Market	2.03%	2.05%
Min Balance $96,000 Details Balance: $96,000+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.05% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 1.80% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 6 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+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.31%
First Rate Checking	0.30%	0.30%
Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 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+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 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+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 6 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 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 6 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 10/07/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 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 Loan	-	-	4.74%
Details As Low As* Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 4.74% APR · checked 7 times 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

Institution Name FCB Banks

Bank Holding Company FIRST CO BCORP INC

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

Website https://www.fcbbanks.com

FDIC Certificate # 33005

Established 19900709

FDIC Insurance Date 19900709

Domestic Offices 20

Total Branches 20

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.31%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.7924%

Return on Equity (ROE) 21.9800%

Non-Performing Loans (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 20

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

FCB Banks earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About FCB Banks

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.

Current FCB Banks Rates

12-Month CD3.90%
24-Month CD2.75%
36-Month CD2.90%
48-Month CD4.00%
60-Month CD3.00%
Savings0.50%
MMA3.85%

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

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FCB Banks Rates & Review October 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

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financial Health & Assets

FCB Banks earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About 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?

Current FCB Banks Rates

Compare to Other Banks