Bank · FDIC insured
FCB Banks CD Rates
Top CarrotFCB Banks’s best CD rate is 4.35% APY on a 71-month CD. Terms run from 1 month to 7 years. Rates checked October 16, 2026.
How FCB Banks’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where FCB Banks has the most branches. $10,000, best rate first.
This bank’s best
FCB Banks
4.35%APY
- Term
- 71 months
- Minimum
- $1,000
- Earns on $10,000
- $2,865
Certificate of Deposit Specials
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
FCB Banks CD score
89
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo2.90%
- 31–60 months31–60 mo4.30%
- QualifiedQualified4.30%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where FCB Banks ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit Specials
Up to 4.35%APY · 6 terms
Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsMinimum balance to earn interest is $1,000 | 4.10% | $237 |
| 13 monthsMinimum balance to earn interest is $1,000 | 4.15% | $450 |
| 35 monthsMinimum balance to earn interest is $1,000 | 4.20% | $1,275 |
| 47 monthsMinimum balance to earn interest is $1,000 | 4.25% | $1,771 |
| 59 monthsMinimum balance to earn interest is $1,000 | 4.30% | $2,300 |
| 71 monthsMinimum balance to earn interest is $1,000 | 4.35% | $2,865 |
Sources (1)
- fcbbanks.com/personal-banking/deposit-products/rates · captured Oct 16, 2026
Certificate of Deposit
Up to 3.20%APY · 7 terms
Automatic renewal at maturity. Penalty for early withdrawal determined by the CD term. Interest compounded and credited quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–6 monthsOne month – 181 days. Minimum balance to earn interest/APY is $1,000 | 1.10% | $9 |
| 7–12 monthsSix Months (182 – 364 days). Minimum balance to earn interest/APY is $1,000 | 1.80% | $91 |
| 12–23 monthsOne Year (12 – 23 months). Minimum balance to earn interest/APY is $1,000 | 2.75% | $275 |
| 24–35 monthsTwo Years (24 – 35 months). Minimum balance to earn interest/APY is $1,000 | 2.90% | $588 |
| 36–59 monthsThree Years (36 – 59 months). Minimum balance to earn interest/APY is $1,000 | 3.00% | $927 |
| 60–83 monthsFive Years (60 – 83 months). Minimum balance to earn interest/APY is $1,000 | 3.10% | $1,649 |
| 84–Unknown monthsSeven Years (84+ months). Minimum balance to earn interest/APY is $1,000 | 3.20% | $2,467 |
Sources (2)
- fcbbanks.com/personal-banking/deposit-products/cds
- fcbbanks.com/personal-banking/deposit-products/rates
All captured Sep 17, 2026
Closed to new customers
49er Certificate of Deposit Specials
Up to 4.20%APY · 6 terms
Available to current 49er Gold Club members. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsAvailable to current 49er Gold Club members. Minimum balance to earn interest is $1,000 | 3.95% | $229 |
| 13 monthsAvailable to current 49er Gold Club members. Minimum balance to earn interest is $1,000 | 4.00% | $434 |
| 35 monthsAvailable to current 49er Gold Club members. Minimum balance to earn interest is $1,000 | 4.05% | $1,228 |
| 47 monthsAvailable to current 49er Gold Club members. Minimum balance to earn interest is $1,000 | 4.10% | $1,704 |
| 59 monthsAvailable to current 49er Gold Club members. Minimum balance to earn interest is $1,000 | 4.15% | $2,213 |
| 71 monthsAvailable to current 49er Gold Club members. Minimum balance to earn interest is $1,000 | 4.20% | $2,756 |
Sources (1)
- fcbbanks.com/personal-banking/deposit-products/rates · captured Sep 17, 2026
49er Certificate of Deposit
Up to 3.25%APY · 7 terms
Available to current 49er Gold Club members. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–6 monthsOne month – 181 days. Available to current 49er Gold Club members. Minimum balance to earn interest is $1,000 | 1.15% | $10 |
| 7–12 monthsSix Months (182 – 364 days). Available to current 49er Gold Club members. Minimum balance to earn interest is $1,000 | 1.85% | $93 |
| 12–23 monthsOne Year (12 – 23 months). Available to current 49er Gold Club members. Minimum balance to earn interest is $1,000 | 2.80% | $280 |
| 24–35 monthsTwo Years (24 – 35 months). Available to current 49er Gold Club members. Minimum balance to earn interest is $1,000 | 2.95% | $599 |
| 36–59 monthsThree Years (36 – 59 months). Available to current 49er Gold Club members. Minimum balance to earn interest is $1,000 | 3.05% | $943 |
| 60–83 monthsFive Years (60 – 83 months). Available to current 49er Gold Club members. Minimum balance to earn interest is $1,000 | 3.15% | $1,677 |
| 84–Unknown monthsSeven Years (84+ months). Available to current 49er Gold Club members. Minimum balance to earn interest is $1,000 | 3.25% | $2,509 |
Sources (1)
- fcbbanks.com/personal-banking/deposit-products/rates · captured Sep 17, 2026
Opening an account
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