First Century Bank, N.A. CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews
To see how these rates compare to First Century Bank, N.A. CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from First Century Bank, N.A., savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with First Century Bank, N.A. CD rates. You can also compare First Century Bank, N.A. savings rates, MMA rates and mortgage rates using our other rate lists. First Century Bank, N.A. 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 First Century Bank, N.A.? Share your experience about First Century Bank, N.A. by leaving a review below, or read customer reviews before you decide to use First Century Bank, N.A.. First Century Bank, N.A. Texas Ratio First Century Bank, N.A.'s Texas Ratio is at 5.91%, which is considered excellent. The Texas Ratio for First Century Bank, N.A. is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. Overall, First Century Bank, N.A. is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars. Compare First Century Bank, N.A. Rates with Other Competitive Bank and Credit Union Rates
Merchants Bank of Indiana
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4.86%
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4.25%
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FSB of Forrest
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4.00%
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University First Federal Credit Union
30-Month CD
4.00%
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First Jackson Bank
36-Month CD
3.90%
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rates January 20, 2025Show More
The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed. Our apologies, we do not have First Century Bank, N.A. rate data right now, check back for updates, we are adding rates all the time. First Century Bank, N.A. InformationFirst Century Bank, N.A.
1731 N Elm StCommerce, GA 30529 Jackson Established Date: 03/25/2002 FDIC Certificate #: 57123 Date of FDIC Deposit Insurance: 03/25/2002 Bank Holding Company: FIRST CENTURY BCORP How Many Domestic U.S. Offices? 2 How Many Branches are There? 2 Website: https://www.myfirstcenturybank.com
Is First Century Bank, N.A. FDIC Insured? Yes
What is First Century Bank, N.A.'s Cert number? 57123
What is the maximum amount for insured deposits? $250,000 per holder, per account
First Century Bank, N.A. FinancialsTotal Assets:
$498,540,000
Total Deposits:
$397,065,000
Equity Capital:
$81,347,000
Domestic Deposits:
$397,065,000
Net Income:
$5,500,000
Return on Assets:
2.2588%
Quarterly Return on Assets:
3.9800%
Pretax Return on Assets:
5.1998%
Pretax Quarterly Return on Assets:
5.2000%
Return on Equity:
17.4800%
Quarterly Return on Equity:
28.1500%
Leverage Tier 1 (Core Capital) Ratio:
17.0021%
Total Interest Income (YTD):
7.1275%
Headquarters:
Commerce
FDIC Field Office:
Atlanta
Regulator:
OCC
County:
Jackson
# of Offices:
2
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Southeast
FDIC Region:
Atlanta
Source: FDIC Last Updated 03/31/2024
Explore Other Rate DealsThe Federal Reserve Bank of New York published a very interesting article on why 30 year fixed mortgage rates are hovering around 3.30 percent and are not as low as 2.60 percent, where they should be based on one measure. Since the Financial crisis of 2007 mortgage rates have made a series of record lows because of several factors including the Federal Reserve buying mortgage backed securities (MBS) to drive rates lower.
 The current economic crunch is changing the savings habits of the average American. Certificate of deposit rates have been coming down, but the U.S. savings rate has been going up. The savings rate is now 3.6%, up from 2.8% in November last year. While one year certificate of deposit rates are averaging a low of about 2.0%, a year ago you could find one year certificate of deposit rates of up to 5.0%.
The Federal Reserve increased the fed funds rate last week and Internet banks will follow with higher CD rates to stay competitive for your deposits. Over the past year, Internet banks slowly increased CD rates while traditional brick and mortar banks have not. Bank or Credit Union Offers and DealsBest CD Rate - 12 month CD from EastbankFixed Mortgage Rates Head Higher Says MBA: 30 Year Fixed Mortgage Rates at 4.34%, 15 Year Fixed Mortgage Rates at 3.74% The Financial Cliff is Coming, Time to Lighten Up on Equites and Place the Funds in a Good Old Savings Account Interest Rate Round Up October 21, 2013 AIG Bank Current Mortgage Rates Mortgage Rates: Weekend Mortgage Rates 30 Year Rates at 4.06% 5 Star Bank Money Market Account 10K Rates now at 0.10% Current Mortgage Refinance Rates Higher: 30 Year Refinance Rates at 5.02% Nordstrom Bank 1 Year CD Rates now at 0.90% Current 3 Month Bank CD Rates Alternative Bank and Credit Union Offers to Explore15 Year Mortgage Rates as Low as 2.25% with 2 Points on a RefinanceMortgage Refinancing: 3rd Quarter Refinancing Saves Borrowers $3 Billion Mortgage Rates: Current Mortgage Rates Mostly Lower, 30 Year Mortgage Rates at 4.32% Mortgage Rates Higher on Higher Treasury Yields: 30 Year Mortgage Rates at 4.55% Low Mortgage Rates Entice Buyers - Home Sales at Highest Pace in 9 Years Associated Bank CD Rates: 4.50% APY 7-Month CD Top Rate Weekly CD Rates Report Houston, TX Auto Loan Rates Best CD Rates from E-Loan Pacific National Bank Savings Rates now at 0.90% First Century Bank, N.A. ReviewsThere are no reviews for First Century Bank, N.A. yet. Feel free to create one below.
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Today's 12-month CD rates can be found at 0.65%, 6-month CD rates at 2.00% and 3-month CD rates at 4.27%. Current savings rates are at 0.02% and money market rates are at 3.00%. Mortgage rates today on 30-year fixed loans are around 7.20%. Credit Card rates are at 8.99%. Personal Loan rates are at 7.00%. All these rates, and more, can be found in our database of rates. 
