There’s a reason it’s

called customer service.

Sure Florida Capital Bank offers the same innovative products and state-of-the-art services you’ll find at much larger institutions, but we’re all about giving you the personalized care and attention that you deserve. We take the time to get to know you and your business, so we understand your goals and
your needs.

When you bank with us, you get a one-on-one experience with a banking professional who knows you by name. You receive the support of senior-level advisors who have the expertise and the authority to respond definitively and act quickly. Even the bank president will give you a cell phone number to call.

Contact us any time with your questions, requests, concerns, hopes and dreams.
At Florida Capital Bank, we’re here for you.

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Deposit Account Rates

Rates below are effective as of: May 14, 2012 APY is the Annual Percentage Yield for the account

Personal Accounts

Product Type

Interest Rate

APY

Interest Checking

(Florida Capital Prime & Personal NOW)

0.10%

Personal Capital Checking

0.15%

Money Market Account

(Minimum Opening Deposit: $1,000)

$100,000 and Higher

0.50%

$10,000 – $99,999.99

0.40%

Less Than $10,000

0.10%

Capital Savings Account

Minimum Opening Deposit: $2,000.

(Funds at account opening must be new to Florida Capital Bank. Checking account required.)

$25,000 – and Higher

0.25%

Less Than $25,000

0.10%

Savings

(Including Minor Savings)

0.10%

Business Accounts

Product Type

Interest Rate

APY

Business NOW Account

(eligibility restrictions apply)

0.10%

Not-For-Profit Capital Checking

(Offered to Not-For-Profit Entities Only)

0.35%

Money Market Account

(Minimum Opening Deposit: $2,000)

$100,000 and Higher

0.50%

$10,000 – $99,999.99

0.40%

Less Than $10,000

0.10%

Capital Savings Account
Minimum Opening Deposit: $2,000. (Funds at account opening must be new to Florida Capital Bank. Checking account required.)

$25,000 and Higher

0.25%

Less Than $25,000

0.10%

Savings

0.10%

Earnings Credit Rate: 0.50% (April 2012)

For business deposit accounts on analysis. Used to offset service charges.

Certificate of Deposit and IRA

Term

Interest Rate

APY

Certificate of Deposit and IRA

Minimum Opening Deposit: $1,000

3 months

0.10%

6 months

0.25%

9 months

0.30%

1 year

0.35%

18 months

0.35%

2 years

0.35%

3 years

0.85%

4 years

1.09%

1.10%

5 years

1.34%

1.35%

Bump-Up Rate Option CDs

18 Months

0.15%

2 years

0.15%

3 years

0.65%

4 years

0.89%

5 years

1.14%

1.15%

Testimonials

"Florida Capital Bank continues to be a solid resource for all types of banking services."

Mike Underwood, M.L. Underwood Construction

"It's time to make a change to the experienced bankers at Florida Capital Bank. "

Bart Worley, Premiums, Promotions & Imports

"You are extremely responsive and the customer service is outstanding."

Lynn Balaban, Lynn Balaban, CPA, P.A.

Deposit Rates

Click here for information on our deposit products offering the best rates with most competitive fees.

See our latest rates

Available Real Estate

For information on available and foreclosed real estate, please download our pdf.

See our listings

Security

To protect your personal information and your computer, please view our security alerts and notifications.

Call 1.800.318.3159 To Become a Client Today

Notice of Changes in Temporary FDIC Insurance Coverage For Transaction Accounts All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Equal Housing Opportuniy | FDIC