FCB Banks Savings & Money Market Rates

How FCB Banks’s savings 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
1.60%APY
Requires
None
Minimum
$1,000
Earns on $10,000 a year
$160
Premier Money Market
Top rate
JM Associates FCU
5.12%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$512
JM Associates FCU rates
2nd-highest rate
Citizens Bank
4.50%APY
Requires
Another account
Minimum
—
Earns on $10,000 a year
$450
Citizens Bank rates

Compare savings rates near you →

Savings score

Higher than 85% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.65%
$10,000 balance$10,0001.60%
$100,000 balance$100,0003.00%
QualifiedQualified1.60%

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.

How the score works →

Where FCB Banks ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

Hometown Money Market (with Direct Deposit)

0.00%APYRequirements apply$55,000 to open

Requires a qualifying recurring electronic direct deposit of at least $500 or more per month credited to any FCB Checking account. Available to personal and guarantor trust accounts only. Minimum opening deposit of $55,000. Minimum daily balance of $0.01. Six withdrawals allowed per month ($10 fee per excess withdrawal/payment).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $55,000Requires qualified direct deposit credited to any FCB checking account. Minimum daily balance to earn interest is $0.01.	0.00%	$0	Requires qualified direct deposit credited to any FCB checking account. Minimum daily balance to earn interest is $0.01.
$55,000 – $75,000Requires qualified direct deposit credited to any FCB checking account. Minimum balance to earn interest is $55,000.	2.50%	—	Requires qualified direct deposit credited to any FCB checking account. Minimum balance to earn interest is $55,000.
$75,000 – $100,000Requires qualified direct deposit credited to any FCB checking account. Minimum balance to earn interest is $75,000.	2.60%	—	Requires qualified direct deposit credited to any FCB checking account. Minimum balance to earn interest is $75,000.
$100,000 – $200,000Requires qualified direct deposit credited to any FCB checking account. Minimum balance to earn interest is $100,000.	3.10%	—	Requires qualified direct deposit credited to any FCB checking account. Minimum balance to earn interest is $100,000.
$200,000 – $250,000Requires qualified direct deposit credited to any FCB checking account. Minimum balance to earn interest is $200,000.	3.20%	—	Requires qualified direct deposit credited to any FCB checking account. Minimum balance to earn interest is $200,000.
$250,000 – $500,000Requires qualified direct deposit credited to any FCB checking account. Minimum balance to earn interest is $250,000.	3.30%	—	Requires qualified direct deposit credited to any FCB checking account. Minimum balance to earn interest is $250,000.
$500,000 – $1,000,000Requires qualified direct deposit credited to any FCB checking account. Minimum balance to earn interest is $500,000.	3.75%	—	Requires qualified direct deposit credited to any FCB checking account. Minimum balance to earn interest is $500,000.
$1,000,000 and upRequires qualified direct deposit credited to any FCB checking account. Minimum balance to earn interest is $1,000,000.	3.85%	—	Requires qualified direct deposit credited to any FCB checking account. Minimum balance to earn interest is $1,000,000.

Sources (2)

All captured Oct 16, 2026

Hometown Money Market (without Direct Deposit)

0.00%APY$55,000 to open

Rate applies when account is opened/maintained without a qualifying direct deposit. Available to personal and guarantor trust accounts only. Minimum opening deposit of $55,000. Minimum daily balance of $0.01. Six withdrawals allowed per month ($10 fee per excess withdrawal/payment).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $55,000Without direct deposit. Minimum daily balance to earn interest is $0.01.	0.00%	$0	Without direct deposit. Minimum daily balance to earn interest is $0.01.
$55,000 – $75,000Without direct deposit. Minimum balance to earn interest is $55,000.	2.40%	—	Without direct deposit. Minimum balance to earn interest is $55,000.
$75,000 – $100,000Without direct deposit. Minimum balance to earn interest is $75,000.	2.50%	—	Without direct deposit. Minimum balance to earn interest is $75,000.
$100,000 – $200,000Without direct deposit. Minimum balance to earn interest is $100,000.	3.00%	—	Without direct deposit. Minimum balance to earn interest is $100,000.
$200,000 – $250,000Without direct deposit. Minimum balance to earn interest is $200,000.	3.10%	—	Without direct deposit. Minimum balance to earn interest is $200,000.
$250,000 – $500,000Without direct deposit. Minimum balance to earn interest is $250,000.	3.20%	—	Without direct deposit. Minimum balance to earn interest is $250,000.
$500,000 – $1,000,000Without direct deposit. Minimum balance to earn interest is $500,000.	3.65%	—	Without direct deposit. Minimum balance to earn interest is $500,000.
$1,000,000 and upWithout direct deposit. Minimum balance to earn interest is $1,000,000.	3.75%	—	Without direct deposit. Minimum balance to earn interest is $1,000,000.

Sources (2)

All captured Oct 16, 2026

Jumbo Money Market

Up to 2.10%APY$49,000 to open

Minimum opening deposit of $49,000. Minimum daily balance of $0.01. Six withdrawals allowed per month ($10 fee per excess withdrawal/payment). Receive bonus rate with 49er Gold Club Checking.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$49,000 – $96,000Minimum daily balance to earn interest is $49,000.	2.00%	—	Minimum daily balance to earn interest is $49,000.
$96,000 and upMinimum balance to earn interest is $96,000.	2.10%	—	Minimum balance to earn interest is $96,000.

Sources (2)

All captured Oct 16, 2026

Premier Money Market

1.60%APY$1,000 to open

Minimum opening deposit of $1,000. Monthly service charge of $18 assessed if account falls below $1,000 minimum daily balance. Six withdrawals allowed per month ($10 fee per excess withdrawal/payment). Receive bonus rate with 49er Gold Club Checking.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $5,000Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum daily balance to earn interest is $0.01.	0.65%	—	Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum daily balance to earn interest is $0.01.
$5,000 – $25,000Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum balance to earn interest is $5,000.	1.60%	$160	Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum balance to earn interest is $5,000.
$25,000 – $45,000Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum balance to earn interest is $25,000.	1.85%	—	Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum balance to earn interest is $25,000.
$45,000 – $96,000Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum balance to earn interest is $45,000.	1.95%	—	Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum balance to earn interest is $45,000.
$96,000 and upAssessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum balance to earn interest is $96,000.	2.00%	—	Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum balance to earn interest is $96,000.

Sources (2)

All captured Oct 16, 2026

FCB Savings Account

0.50%APY$25 to open

Interest is compounded and credited quarterly. Minimum daily balance of $50 required to avoid a $5 monthly service charge. Limit of 6 withdrawals per month; excess withdrawals are $3 each. Closing fees may apply if closed within 7 months.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $500Applies to balances below $500. Monthly fee waived if minimum daily balance of $50 is maintained.	0.35%	—	Applies to balances below $500. Monthly fee waived if minimum daily balance of $50 is maintained.
$500 and upApplies to balances of $500 or more. Monthly fee waived if minimum daily balance of $50 is maintained.	0.50%	$50	Applies to balances of $500 or more. Monthly fee waived if minimum daily balance of $50 is maintained.

Sources (3)

All captured Oct 16, 2026

Special-purpose accounts

Student Savings Account

0.50%APYStudents$25 to open

For students age 12 to 25 with valid student ID. Students 15 or younger require a parent/guardian on the account. Interest compounded and credited quarterly. Minimum daily balance of $25 required to avoid a $5 monthly service charge. Limit of 6 withdrawals per month; excess withdrawals are $3 each. Closing fees may apply if closed within 7 months.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $500Applies to balances below $500. Monthly fee waived if minimum daily balance of $25 is maintained.	0.35%	—	Applies to balances below $500. Monthly fee waived if minimum daily balance of $25 is maintained.
$500 and upApplies to balances of $500 or more. Monthly fee waived if minimum daily balance of $25 is maintained.	0.50%	$50	Applies to balances of $500 or more. Monthly fee waived if minimum daily balance of $25 is maintained.

Sources (3)

All captured Oct 16, 2026

Health Savings Account (HSA)

0.40%APYHSA$25 to open

Requires coverage under a High Deductible Health Plan (HDHP). Tax-exempt account for qualified medical expenses. Free e-Statements, online access, and debit card included.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Interest compounded and credited monthly.Over $0	0.40%	$40	Interest compounded and credited monthly.

Sources (2)

All captured Oct 16, 2026

Closed to new customers

49er Jumbo Money Market

Up to 2.20%APYRequirements apply$49,000 to open

Available to current 49er Gold Club members. Minimum opening deposit of $49,000. Minimum daily balance of $0.01. Six withdrawals allowed per month ($10 fee per excess withdrawal/payment).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$49,000 – $96,000Available to current 49er Gold Club members. Minimum daily balance to earn interest is $49,000.	2.10%	—	Available to current 49er Gold Club members. Minimum daily balance to earn interest is $49,000.
$96,000 and upAvailable to current 49er Gold Club members. Minimum balance to earn interest is $96,000.	2.20%	—	Available to current 49er Gold Club members. Minimum balance to earn interest is $96,000.

Sources (2)

All captured Oct 16, 2026

49er Premier Money Market

1.70%APYRequirements apply$1,000 to open

Available to current 49er Gold Club members. Minimum opening deposit of $1,000. Monthly service charge of $18 assessed if account falls below $1,000 minimum daily balance. Six withdrawals allowed per month ($10 fee per excess withdrawal/payment).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $5,000Available to current 49er Gold Club members. Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum daily balance to earn interest is $0.01.	0.75%	—	Available to current 49er Gold Club members. Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum daily balance to earn interest is $0.01.
$5,000 – $25,000Available to current 49er Gold Club members. Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum balance to earn interest is $5,000.	1.70%	$170	Available to current 49er Gold Club members. Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum balance to earn interest is $5,000.
$25,000 – $45,000Available to current 49er Gold Club members. Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum balance to earn interest is $25,000.	1.95%	—	Available to current 49er Gold Club members. Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum balance to earn interest is $25,000.
$45,000 – $96,000Available to current 49er Gold Club members. Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum balance to earn interest is $45,000.	2.05%	—	Available to current 49er Gold Club members. Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum balance to earn interest is $45,000.
$96,000 and upAvailable to current 49er Gold Club members. Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum balance to earn interest is $96,000.	2.10%	—	Available to current 49er Gold Club members. Assessed $18 monthly service charge only if account falls below $1,000 minimum daily balance. Minimum balance to earn interest is $96,000.

Sources (2)

All captured Oct 16, 2026

Opening an account

Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.

Visit institution website ↗Branches and institution details

← FCB Banks overview

How FCB Banks’s savings rates compare

FCB Banks savings score

Current savings rates

Hometown Money Market (with Direct Deposit)

Hometown Money Market (without Direct Deposit)

Jumbo Money Market

Premier Money Market

FCB Savings Account

Special-purpose accounts

Student Savings Account

Health Savings Account (HSA)

Closed to new customers

49er Jumbo Money Market

49er Premier Money Market

Opening an account