# FCB Banks CD rates

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.

Canonical page: https://apyledger.com/cd-rates/fcb-banks
Institution: FCB Banks (FDIC 33005)
Aliases: 
Status: live
Last verified: 2026-10-23T11:32:31.000Z (October 23, 2026)
Official source: https://www.fcbbanks.com/personal-banking/deposit-products/rates
Coverage: 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.
Treasury comparison date: 2026-10-22. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 49er Certificate of Deposit | special | 1 month | $1,000 | 1.15% | Not ZIP-priced | −3.00% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| Certificate of Deposit | standard | 1 month | $1,000 | 1.10% | Not ZIP-priced | −3.05% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| 49er Certificate of Deposit | special | 6 months | $1,000 | 1.85% | Not ZIP-priced | −2.49% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| Certificate of Deposit | standard | 6 months | $1,000 | 1.80% | Not ZIP-priced | −2.54% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| 49er Certificate of Deposit Specials | promotional | 7 months | $1,000 | 4.20% | Not ZIP-priced | −0.16% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| Certificate of Deposit Specials | promotional | 7 months | $1,000 | 4.10% | Not ZIP-priced | −0.26% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| 49er Certificate of Deposit | special | 12 months | $1,000 | 2.80% | Not ZIP-priced | −1.66% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| Certificate of Deposit | standard | 12 months | $1,000 | 2.75% | Not ZIP-priced | −1.71% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| 49er Certificate of Deposit Specials | promotional | 13 months | $1,000 | 4.25% | Not ZIP-priced | −0.23% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| Certificate of Deposit Specials | promotional | 13 months | $1,000 | 4.15% | Not ZIP-priced | −0.33% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| 49er Certificate of Deposit | special | 24 months | $1,000 | 2.95% | Not ZIP-priced | −1.75% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| Certificate of Deposit | standard | 24 months | $1,000 | 2.90% | Not ZIP-priced | −1.80% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| 49er Certificate of Deposit Specials | promotional | 35 months | $1,000 | 4.30% | Not ZIP-priced | −0.47% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| Certificate of Deposit Specials | promotional | 35 months | $1,000 | 4.20% | Not ZIP-priced | −0.57% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| 49er Certificate of Deposit | special | 36 months | $1,000 | 3.05% | Not ZIP-priced | −1.73% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| Certificate of Deposit | standard | 36 months | $1,000 | 3.00% | Not ZIP-priced | −1.78% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| 49er Certificate of Deposit Specials | promotional | 47 months | $1,000 | 4.35% | Not ZIP-priced | −0.45% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| Certificate of Deposit Specials | promotional | 47 months | $1,000 | 4.25% | Not ZIP-priced | −0.55% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| 49er Certificate of Deposit Specials | promotional | 59 months | $1,000 | 4.40% | Not ZIP-priced | −0.43% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| Certificate of Deposit Specials | promotional | 59 months | $1,000 | 4.30% | Not ZIP-priced | −0.53% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| 49er Certificate of Deposit | special | 60 months | $1,000 | 3.15% | Not ZIP-priced | −1.69% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| Certificate of Deposit | standard | 60 months | $1,000 | 3.10% | Not ZIP-priced | −1.74% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| 49er Certificate of Deposit Specials | promotional | 71 months | $1,000 | 4.45% | Not ZIP-priced | −0.42% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| Certificate of Deposit Specials | promotional | 71 months | $1,000 | 4.35% | Not ZIP-priced | −0.52% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| 49er Certificate of Deposit | special | 84 months | $1,000 | 3.25% | Not ZIP-priced | −1.67% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |
| Certificate of Deposit | standard | 84 months | $1,000 | 3.20% | Not ZIP-priced | −1.72% | 2026-10-23T11:32:31.000Z | [Snapshot 1006](https://apyledger.com/snapshots/1006) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.