Expert advice with

a personal touch.

From home equity loans to secured and unsecured lines of credit, the Florida Capital Bank team will work hard to find the personal loan product that’s right for you. We offer competitive rates, smooth and efficient approvals and hassle-free closings. And with our local and fast decision-making process, you’ll have the
funds you need before you know it. Contact a bank near you to get started.

 

 

 

 

Mortgage Loans
Let Florida Capital Bank help make the house of your dreams your home. Whether you’re a first-time buyer or you’re looking to refinance your existing property, our mortgage specialists will work on your behalf to find the right mortgage for you.

  • Fast, pre-approval process
  • Competitive rates
  • Hassle-free closings
  • Personal attention from a mortgage specialist
Home Equity Loans and Lines
Use the equity in your home to borrow at lower rates and with lower monthly payments. Consult your tax advisor for potential savings.
Contact a Mortgage Professional
Contact one of our mortgage professionals at 1-386-852-3088 for current rates and to get started on your mortgage loan today.
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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%
0.10%

Personal Capital Checking

0.15%
0.15%

Money Market Account

(Minimum Opening Deposit: $1,000)

 
 

$100,000 and Higher

0.50%
0.50%

$10,000 – $99,999.99

0.40%
0.40%

Less Than $10,000

0.10%
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%
0.25%

Less Than $25,000

0.10%
0.10%

Savings

(Including Minor Savings)

0.10%
0.10%
Business Accounts
Product Type
Interest Rate
APY

Business NOW Account

(eligibility restrictions apply)

0.10%
0.10%

Not-For-Profit Capital Checking

(Offered to Not-For-Profit Entities Only)

0.35%
0.35%

Money Market Account

(Minimum Opening Deposit: $2,000)

 
 

$100,000 and Higher

0.50%
0.50%

$10,000 – $99,999.99

0.40%
0.40%

Less Than $10,000

0.10%
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%
0.25%

Less Than $25,000

0.10%
0.10%

Savings

0.10%
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%
0.10%

6 months

0.25%
0.25%

9 months

0.30%
0.30%

1 year

0.35%
0.35%

18 months

0.35%
0.35%

2 years

0.35%
0.35%

3 years

0.85%
0.85%

4 years

1.09%
1.10%

5 years

1.34%
1.35%

Bump-Up Rate Option CDs

 
 

18 Months

0.15%
0.15%

2 years

0.15%
0.15%

3 years

0.65%
0.65%

4 years

0.89%
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.

More
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.

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All Rights Reserved.

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