What are the current interest rates at First County Bank?

Current rates for First County Bank include: 12-Month CD: 0.15%, 18-Month CD: 0.30%, 24-Month CD: 3.00%, 36-Month CD: 0.40%, 48-Month CD: 0.50%, 60-Month CD: 0.55%, Savings: 0.01%, MMA: 0.01%

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First County Bank

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First County Bank Rates & Review September 2026

Q: How many branches does First County Bank operate?

First County Bank currently maintains approximately 14 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, First County Bank 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, First County Bank 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: September 19, 2026

First County Bank's 14-Month Easy-Out CD rates are at 4.20%, 14-Month Easy-Out Certificate rates are at 4.20%, 3-Month CD rates are at 4.00%, 3-Month Certificate rates are at 4.00%, 18-Month No Penalty CD rates are at 3.65%. First County Bank's savings rates are at 0.01%. First County Bank's money market rates are at 0.01%. First County Bank's 15 Year Fixed Rate Mortgage rates are at 6.38%, 20 Year Fixed Rate Mortgage rates are at 6.75%, 30 Year Fixed Rate Mortgage rates are at 6.88%. MonitorBankRates evaluates the financial stability of First County Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.43%. Rates last updated and verified on 09/19/2026.

First County Bank 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 County Bank? Share your experience about First County Bank by leaving a review below, or read customer reviews before you decide to use First County Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.43%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First County Bank

117 Prospect St
Stamford, CT 06901

https://www.firstcountybank.com

First County Bank CD Rates

Product	Rate	APY	Term
14 Month Easy-Out CD	-	4.20%	14 Month
Min Deposit $1,000 Details Must be opened in branch. New money required; new money means funds not currently on deposit with First County Bank. Additional deposits are not permitted. Principal may be withdrawn without penalty during the five-calendar-day window beginning seven months after account opening. The Bank will not provide advance notice of this window. Other withdrawals before maturity may be subject to a penalty equal to six months' interest on the amount withdrawn. At maturity, the account automatically renews as a 12-month CD without the Easy Out feature. Fees could reduce earnings. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
14 Month Easy-Out Certificate	4.12%	4.20%	14 Month Easy-Out
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
3 Month CD	-	4.00%	3 Month
Min Deposit $1,000 Details Must be opened in branch. New Money Only. This APY is available for new money (funds not currently on deposit with the Bank). Subject to change without notice. Interest is compounded and credited to the account monthly. A Penalty may be imposed at the rate paid for withdrawing any of the principal before maturity date and will reduce earnings. Fees could reduce earnings. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
3 Month Certificate	3.93%	4.00%	3 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
18 Month No Penalty CD	-	3.65%	18 Month
Min Deposit $1,000 Details Must be opened in branch. Principal may be withdrawn without penalty during the first six calendar days after the initial deposit. After such period, a withdrawal of the entire balance may be made without penalty. You cannot make a partial withdrawal from this account. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
18 Month No Penalty Certificate	3.59%	3.65%	18 Month No Penalty
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
11 Month No Penalty Certificate	3.45%	3.50%	11 Month No Penalty
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
36 Month Certificate	3.20%	3.25%	36 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
1 Year IRA CD	3.06%	3.15%	1 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
18 Month IRA CD	2.92%	3.00%	18 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
2 1/2 Year IRA CD	2.92%	3.00%	2 1/2 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
24 Month Certificate	2.96%	3.00%	24 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
One Year Tax-Deferred Certificate	3.00%	3.00%	One Year Tax-Deferre
Details Term: One Year Tax-Deferred Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
18 Month Certificate	2.72%	2.75%	18 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
6 Month Certificate	2.71%	2.75%	6 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
60 Day Certificate	2.71%	2.75%	60 Day
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
13 Month Certificate	1.74%	1.75%	13 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
15 Month Certificate	1.00%	1.00%	15 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
5 Year IRA CD	0.54%	0.55%	5 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
60 Month Certificate	0.55%	0.55%	60 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
48 Month Certificate	0.50%	0.50%	48 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
36 Month Bump Rate Certificate	0.40%	0.40%	36 Month Bump Rate
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
30 Month Bump Rate Certificate	0.35%	0.35%	30 Month Bump Rate
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
18 Month Bump Rate Certificate	0.30%	0.30%	18 Month Bump Rate
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
12 Month Certificate	0.15%	0.15%	12 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%

First County Bank Savings Rates

Product	Rate	APY
FirstMaturedCD Savings	3.93%	4.00%
Min Balance $1 Details Daily collected balance of greater than $1.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
First Business Savings	0.03%	0.03%
Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
First Savings	0.03%	0.03%
Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
FirstPrize Savings	0.03%	0.03%
Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
First Business Savings	0.02%	0.02%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
First Savings	0.02%	0.02%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
FirstPrize Savings	0.02%	0.02%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
First Business Savings	0.01%	0.01%
Min Balance $1 Details Balance: $1.00 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
First Savings	0.01%	0.01%
Min Balance $1 Details Balance: $1.00 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
FirstPrize Savings	0.01%	0.01%
Min Balance $1 Details Balance: $1.00 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%

First County Bank Money Market Rates

Product	Rate	APY
First Business Money Market	0.03%	0.03%
Min Balance $25,000 Details Balance: $25,000.00 or more Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
First Tiered Money Market	0.03%	0.03%
Min Balance $25,000 Details Balance: $25,000.00 or more Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Money Market	0.03%	0.03%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
First Business Money Market	0.02%	0.02%
Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
First Tiered Money Market	0.02%	0.02%
Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
First Business Money Market	0.01%	0.01%
Min Balance $1 Details Balance: $1.00 - $2,499.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
First Tiered Money Market	0.01%	0.01%
Min Balance $1 Details Balance: $1.00 - $2,499.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%

First County Bank Checking Rates

Product	Rate	APY
High Yield Checking	4.89%	5.00%
Min Balance $0 Details Qualifications Required: all account qualifiers (listed below) are met; Balance: $0.01 to $15,000.00; Qualifying balance up to $15,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
High Yield Checking	0.01%	0.01%
Min Balance $15,000 Details Qualifications Required: all account qualifiers (listed below) are met; The portion of daily collected balances greater than $15,000.01; all account qualifiers (listed below) are met Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
High Yield Checking	0.01%	0.01%
Min Balance $1 Details Qualifications Required: any account qualifiers (listed below) are not met; Daily collected balance of $1.00 or more; if any account qualifiers (listed below) are not met Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Interest Checking	0.01%	0.01%
Min Balance $1 Details Daily collected balance of $1.00 or more Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%

First County Bank Mortgage Rates

Product	Rate	Points	APR
15 Year Fixed Rate Mortgage	6.38%	0.00	6.47%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
20 Year Fixed Rate Mortgage	6.75%	0.00	6.76%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
30 Year Fixed Rate Mortgage	6.88%	0.00	6.88%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%

First County Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Prime Loan	6.75%	-	6.75%
Details Fully Indexed Rate: 6.75% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%

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

First County Bank’s Texas Ratio stayed near 2.27% in Q3 2023 to 2.43% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$2.4B	2.43%	5.0	A+
March 31, 2026	$2.4B	2.40%	5.0	A+
December 31, 2025	$2.3B	1.39%	5.0	A+
September 30, 2025	$2.2B	1.70%	5.0	A+
June 30, 2025	$2.2B	1.33%	5.0	A+
March 31, 2025	$2.3B	1.27%	5.0	A+
December 31, 2024	$2.3B	1.04%	5.0	A+
September 30, 2024	$2.4B	0.96%	4.9	A+
June 30, 2024	$2.4B	1.04%	4.9	A+
March 31, 2024	$2.3B	1.06%	5.0	A+
December 31, 2023	$2.2B	0.97%	5.0	A+
September 30, 2023	$2.1B	2.27%	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 First County Bank 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 First County Bank 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 First County Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First County Bank

FDIC Certificate # 18204

Address 117 Prospect St, Stamford, CT 06901 · Western Connecticut

Website https://www.firstcountybank.com

Established 18510620

FDIC Insurance Date 19600701

Domestic Offices 14

Total Branches 14

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.43%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.4582%

Return on Equity (ROE) 5.8000%

Non-Performing Loans (NPL) 0.19%

Total Assets $2,422,335,000

Total Deposits $1,919,482,000

Equity Capital $190,877,000

Net Income $5,402,000

Headquarters Stamford

Total Branches and Offices 14

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First County Bank earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About First County Bank

How many branches does First County Bank operate?

First County Bank currently maintains approximately 14 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, First County Bank 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, First County Bank provides members with tools to manage their accounts and build a solid financial history.

Does First County Bank offer online and mobile banking?

Most modern institutions like First County Bank 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.firstcountybank.com.

Current First County Bank Rates

12-Month CD0.15%
18-Month CD0.30%
24-Month CD3.00%
36-Month CD0.40%
48-Month CD0.50%
60-Month CD0.55%
Savings0.01%
MMA0.01%

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

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