What are the current interest rates at FLC Bank?

Current rates for FLC Bank include: 12-Month CD: 0.35%, 18-Month CD: 0.35%, 24-Month CD: 0.35%, 36-Month CD: 0.45%, 48-Month CD: 0.55%, Savings: 0.10%, MMA: 3.05%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Banks›
FLC Bank

iAdvertiser Disclosure

FLC Bank Rates & Review October 2026

Q: How many branches does FLC Bank operate?

FLC Bank currently maintains approximately 5 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, FLC 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, FLC 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: October 11, 2026

FLC Bank's top rates as of October 11, 2026 are 3.35% APY on its Business Promotional Rate: 1-Year CD, 0.10% APY on savings, 3.05% APY on money market accounts, and 1.51% APY on checking, according to rates verified by MonitorBankRates. Other FLC Bank CD rates include Business Promotional Rate: 9-Month at 3.30%, Business 4-Year at 0.55%, and Business 3-Year at 0.45%. MonitorBankRates evaluates the financial stability of FLC Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.27%. Rates last updated and verified on 10/11/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.27%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

FLC Bank

10151 Deerwood Park Blvd Bldg 100 Ste 200
Jacksonville, FL 32256

https://www.floridacapitalbank.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.

FLC Bank Business CD Rates

Product	Rate	APY	Term
Business Promotional Rate: 1-Year	3.30%	3.35%	1-Year
Details Opening Balance Required for Personal or Business is $50,000 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Business Promotional Rate: 9-Month	3.25%	3.30%	9-Month
Details Opening Balance Required for Personal or Business is $50,000 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Business 4-Year	0.55%	0.55%	4-Year
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Business 3-Year	0.45%	0.45%	3-Year
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Business 1-Year	0.35%	0.35%	1-Year
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Business 18-Month	0.35%	0.35%	18-Month
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Business 2-Year	0.35%	0.35%	2-Year
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Business 9-Month	0.35%	0.35%	9-Month
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

FLC Bank Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.10%	0.10%
Min Balance $2,500 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

FLC Bank Business Money Market Rates

Product	Rate	APY
Money Market Accounts (Personal and Business)	3.00%	3.05%
Min Balance $200,000 Details Balance: $200,000 and Higher Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Money Market Accounts (Personal and Business)	2.63%	2.66%
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 2.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Money Market Accounts (Personal and Business)	1.88%	1.90%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 1.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Money Market Accounts (Personal and Business)	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000-$49,999.99 Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 0.20% ▲ 0.10 pts · high 0.20% / low 0.10% Sep 27, 20260.20%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Money Market Accounts (Personal and Business)	0.10%	0.10%
Min Balance $0 Details Balance: Less than $10,000 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

FLC Bank Business Checking Rates

Product	Rate	APY
Business Solutions Checking	1.50%	1.51%
Min Deposit $100 Min Balance $1,000,000 Details Balance: $1,000,000 and higher Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Business Solutions Checking	1.13%	1.14%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 1.14% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Business Solutions Checking	0.35%	0.35%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 - $499,999.99 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

FLC Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Business IOTA to $100,000	2.70%	-	2.74%
Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 2.74% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

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

FLC Bank’s Texas Ratio fell from 1.83% in Q3 2023 to 0.27% in Q2 2026, so its financial health has improved and is now 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	$713M	0.27%	5.0	A+
March 31, 2026	$714M	0.36%	5.0	A+
December 31, 2025	$652M	0.33%	5.0	A+
September 30, 2025	$648M	0.55%	5.0	A+
June 30, 2025	$655M	1.66%	5.0	A+
March 31, 2025	$610M	2.73%	5.0	A+
December 31, 2024	$646M	3.06%	5.0	A+
September 30, 2024	$559M	1.19%	5.0	A+
June 30, 2024	$556M	1.23%	5.0	A+
March 31, 2024	$521M	1.48%	5.0	A+
December 31, 2023	$495M	2.31%	5.0	A+
September 30, 2023	$496M	1.83%	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 FLC 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 FLC 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 FLC Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FLC Bank

Bank Holding Company FLORIDA CAPITAL GROUP INC

Address 10151 Deerwood Park Blvd Bldg 100 Ste 200, Jacksonville, FL 32256 · Duval

Website https://www.floridacapitalbank.com/

FDIC Certificate # 26323

Established 19850812

FDIC Insurance Date 19850812

Domestic Offices 5

Total Branches 5

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.27%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9757%

Return on Equity (ROE) 9.8600%

Non-Performing Loans (NPL) 0.12%

Total Assets $713,145,000

Total Deposits $639,827,000

Equity Capital $69,960,000

Net Income $3,381,000

Headquarters Jacksonville

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

FLC Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/florida-capital-bank-national-association-rates-review-26323">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 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 FLC Bank 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 FLC Bank

Frequently Asked Questions About FLC Bank

How many branches does FLC Bank operate?

FLC Bank currently maintains approximately 5 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, FLC 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, FLC Bank provides members with tools to manage their accounts and build a solid financial history.

Does FLC Bank offer online and mobile banking?

Most modern institutions like FLC 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.floridacapitalbank.com/.