FCB Banks CD Rates — October 2026
As of October 23, 2026, FCB Banks's highest tracked CD rate is 4.45% APY on a 71-month promotional CD ($1,000 minimum). That is 3.2 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 1.10% to 3.20% APY.
Tracking began .
FCB Banks CD rates
Standard and special personal CDs require $1,000. The 49er certificate offers are available only to current 49er Gold Club members. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 1 month | 49er Certificate of Deposit Special | $1,000 | 1.15%Free rate alert | −3.00% | Verified October 23, 2026 |
| 1 month | Certificate of Deposit | $1,000 | 1.10%Free rate alert | −3.05% | Verified October 23, 2026 |
| 6 months | 49er Certificate of Deposit Special | $1,000 | 1.85%Free rate alert | −2.49% | Top 82% of tracked 6-month CDs · Verified October 23, 2026 |
| 6 months | Certificate of Deposit | $1,000 | 1.80%Free rate alert | −2.54% | Top 82% of tracked 6-month CDs · Verified October 23, 2026 |
| 7 months | 49er Certificate of Deposit Specials Promotional | $1,000 | 4.20%Free rate alert | −0.16% | Verified October 23, 2026 |
| 7 months | Certificate of Deposit Specials Promotional | $1,000 | 4.10%Free rate alert | −0.26% | Verified October 23, 2026 |
| 12 months | 49er Certificate of Deposit Special | $1,000 | 2.80%Free rate alert | −1.66% | Top 74% of tracked 12-month CDs · Verified October 23, 2026 |
| 12 months | Certificate of Deposit | $1,000 | 2.75%Free rate alert | −1.71% | Top 76% of tracked 12-month CDs · Verified October 23, 2026 |
| 13 months | 49er Certificate of Deposit Specials Promotional | $1,000 | 4.25%Free rate alert | −0.23% | Verified October 23, 2026 |
| 13 months | Certificate of Deposit Specials Promotional | $1,000 | 4.15%Free rate alert | −0.33% | Verified October 23, 2026 |
| 24 months | 49er Certificate of Deposit Special | $1,000 | 2.95%Free rate alert | −1.75% | Top 64% of tracked 24-month CDs · Verified October 23, 2026 |
| 24 months | Certificate of Deposit | $1,000 | 2.90%Free rate alert | −1.80% | Top 65% of tracked 24-month CDs · Verified October 23, 2026 |
| 35 months | 49er Certificate of Deposit Specials Promotional | $1,000 | 4.30%Free rate alert | −0.47% | Verified October 23, 2026 |
| 35 months | Certificate of Deposit Specials Promotional | $1,000 | 4.20%Free rate alert | −0.57% | Verified October 23, 2026 |
| 36 months | 49er Certificate of Deposit Special | $1,000 | 3.05%Free rate alert | −1.73% | Top 54% of tracked 36-month CDs · Verified October 23, 2026 |
| 36 months | Certificate of Deposit | $1,000 | 3.00%Free rate alert | −1.78% | Top 59% of tracked 36-month CDs · Verified October 23, 2026 |
| 47 months | 49er Certificate of Deposit Specials Promotional | $1,000 | 4.35%Free rate alert | −0.45% | Verified October 23, 2026 |
| 47 months | Certificate of Deposit Specials Promotional | $1,000 | 4.25%Free rate alert | −0.55% | Verified October 23, 2026 |
| 59 months | 49er Certificate of Deposit Specials Promotional | $1,000 | 4.40%Free rate alert | −0.43% | Verified October 23, 2026 |
| 59 months | Certificate of Deposit Specials Promotional | $1,000 | 4.30%Free rate alert | −0.53% | Verified October 23, 2026 |
| 60 months | 49er Certificate of Deposit Special | $1,000 | 3.15%Free rate alert | −1.69% | Top 51% of tracked 60-month CDs · Verified October 23, 2026 |
| 60 months | Certificate of Deposit | $1,000 | 3.10%Free rate alert | −1.74% | Top 52% of tracked 60-month CDs · Verified October 23, 2026 |
| 71 months | 49er Certificate of Deposit Specials Promotional | $1,000 | 4.45%Free rate alert | −0.42% | Verified October 23, 2026 |
| 71 months | Certificate of Deposit Specials Promotional | $1,000 | 4.35%Free rate alert | −0.52% | Verified October 23, 2026 |
| 84 months | 49er Certificate of Deposit Special | $1,000 | 3.25%Free rate alert | −1.67% | Verified October 23, 2026 |
| 84 months | Certificate of Deposit | $1,000 | 3.20%Free rate alert | −1.72% | Verified October 23, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.45% APY (71 months). The standard rate for a similar term is 3.10% APY (60 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $135 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are FCB Banks's best CD rates by term?
FCB Banks's best rate is 4.45% APY on 71 months, verified October 23, 2026.
- 1 mo1.15%
- 6 mo1.85%
- 7 mo4.20%
- 12 mo2.80%
- 13 mo4.25%
- 24 mo2.95%
- 35 mo4.30%
- 36 mo3.05%
- 47 mo4.35%
- 59 mo4.40%
- 60 mo3.15%
- 71 mo4.45%
- 84 mo3.25%
How much interest could a FCB Banks CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$2,938.88 interest · $12,938.88 at maturity on $10,000.00.
4.45% APY · 71 months · 49er Certificate of Deposit Specials · Promotional · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 1 month | $4.701.15% APY · 49er Certificate of Deposit · Special | $9.401.15% APY · 49er Certificate of Deposit · Special | $23.511.15% APY · 49er Certificate of Deposit · Special | $47.011.15% APY · 49er Certificate of Deposit · Special |
| 6 months | $46.161.85% APY · 49er Certificate of Deposit · Special | $92.331.85% APY · 49er Certificate of Deposit · Special | $230.821.85% APY · 49er Certificate of Deposit · Special | $461.651.85% APY · 49er Certificate of Deposit · Special |
| 7 months | $121.504.20% APY · 49er Certificate of Deposit Specials · Promotional | $242.994.20% APY · 49er Certificate of Deposit Specials · Promotional | $607.484.20% APY · 49er Certificate of Deposit Specials · Promotional | $1,214.974.20% APY · 49er Certificate of Deposit Specials · Promotional |
| 12 months | $140.002.80% APY · 49er Certificate of Deposit · Special | $280.002.80% APY · 49er Certificate of Deposit · Special | $700.002.80% APY · 49er Certificate of Deposit · Special | $1,400.002.80% APY · 49er Certificate of Deposit · Special |
| 13 months | $230.364.25% APY · 49er Certificate of Deposit Specials · Promotional | $460.724.25% APY · 49er Certificate of Deposit Specials · Promotional | $1,151.814.25% APY · 49er Certificate of Deposit Specials · Promotional | $2,303.624.25% APY · 49er Certificate of Deposit Specials · Promotional |
| 24 months | $299.352.95% APY · 49er Certificate of Deposit · Special | $598.702.95% APY · 49er Certificate of Deposit · Special | $1,496.762.95% APY · 49er Certificate of Deposit · Special | $2,993.512.95% APY · 49er Certificate of Deposit · Special |
| 35 months | $653.544.30% APY · 49er Certificate of Deposit Specials · Promotional | $1,307.074.30% APY · 49er Certificate of Deposit Specials · Promotional | $3,267.684.30% APY · 49er Certificate of Deposit Specials · Promotional | $6,535.354.30% APY · 49er Certificate of Deposit Specials · Promotional |
| 36 months | $471.603.05% APY · 49er Certificate of Deposit · Special | $943.193.05% APY · 49er Certificate of Deposit · Special | $2,357.983.05% APY · 49er Certificate of Deposit · Special | $4,715.963.05% APY · 49er Certificate of Deposit · Special |
| 47 months | $907.724.35% APY · 49er Certificate of Deposit Specials · Promotional | $1,815.444.35% APY · 49er Certificate of Deposit Specials · Promotional | $4,538.604.35% APY · 49er Certificate of Deposit Specials · Promotional | $9,077.204.35% APY · 49er Certificate of Deposit Specials · Promotional |
| 59 months | $1,179.254.40% APY · 49er Certificate of Deposit Specials · Promotional | $2,358.494.40% APY · 49er Certificate of Deposit Specials · Promotional | $5,896.234.40% APY · 49er Certificate of Deposit Specials · Promotional | $11,792.464.40% APY · 49er Certificate of Deposit Specials · Promotional |
| 60 months | $838.703.15% APY · 49er Certificate of Deposit · Special | $1,677.403.15% APY · 49er Certificate of Deposit · Special | $4,193.503.15% APY · 49er Certificate of Deposit · Special | $8,387.003.15% APY · 49er Certificate of Deposit · Special |
| 71 months | $1,469.444.45% APY · 49er Certificate of Deposit Specials · Promotional | $2,938.884.45% APY · 49er Certificate of Deposit Specials · Promotional | $7,347.194.45% APY · 49er Certificate of Deposit Specials · Promotional | $14,694.384.45% APY · 49er Certificate of Deposit Specials · Promotional |
| 84 months | $1,254.613.25% APY · 49er Certificate of Deposit · Special | $2,509.233.25% APY · 49er Certificate of Deposit · Special | $6,273.063.25% APY · 49er Certificate of Deposit · Special | $12,546.133.25% APY · 49er Certificate of Deposit · Special |
How FCB Banks compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 2160-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| FCB Banks (this institution) (highest tracked APY for this term)49er Certificate of Deposit Specials · Promotional | 71 months | $1,000 | Branches in IL, MO | 4.45% | October 23, 2026 |
| Treasury (APY-equivalent) | 71 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.87% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking FCB Banks on October 23, 2026.
About FCB Banks
- Legal name
- FCB Banks
- Regulator ID
- FDIC 33005
- Headquarters
- Collinsville, IL
- Available in
- IL, MO
- Total assets
- $2.6 billion
- Also known as
- Website
- www.fcbbanks.com
Source: rates read from https://www.fcbbanks.com/personal-banking/deposit-products/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at FCB Banks?
Among the rates we track, 4.45% APY on a 71-month promotional CD, as of October 23, 2026.
What is the minimum deposit for a FCB Banks CD?
The lowest minimum we found is $1,000.
How does FCB Banks's best CD rate compare with Treasury yields?
4.45% APY is −0.42% versus the 71-month Treasury yield of 4.87% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.45% a good CD rate?
It is 3.2 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are FCB Banks CDs insured?
FCB Banks is an FDIC-insured bank (FDIC 33005). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check FCB Banks's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from FCB Banks's website and may change at any time. Confirm terms, minimums and eligibility with FCB Banks before opening an account. This page is not financial advice.