At Florida Capital Bank we offer a wide variety of FDIC insured products. From basic savings accounts to Money Market accounts, CDs and IRAs; we offer a solution for your savings or investment need.

Rates below are effective as of: November 2019
APY is the Annual Percentage Yield for the account. Click here to see Personal and Business Account Service Fees

Business Accounts

Account Name Interest Rate Annual Percentage
Yield(APY)1
Opening Balance
Required
Average Daily Balance
Required
Business Checking NA NA $1,000 $1,000
NOW Checking 0.10% 0.10% APY $1,000 $2,500
Business Savings 0.10% 0.10% APY $1,000 $2,500
Non-Profit Checking 0.25% 0.25% APY $2,500 $10,000
IOTA - $0 to $100,000 0.10% 0.10% APY NA NA
IOTA - Over $100,000 0.15% 0.15% APY NA NA
Analysis Checking Earnings Credit Rate Earnings Credit Rate $1,000 NA
ECR: 0.50% (November 2019) To offset service charges on Analysis accounts.

Business Interest Checking

Minimum opening deposit is $100,0002
Account Tiers Interest Rate Annual Percentage
Yield (APY)1
Opening Balance
Required
Average Daily Balance
Required2
$1,000,000 and Greater 2.0% 2.01% APY $1,000,000 $100,000,000
$500,000 up to $999,999 1.62% 1.63% APY $500,000 $500,000
$100,000 up to $499,999 1.0% 1.01% APY $100,000 $100,000

Personal Accounts

Opening Balance
Required
Interest Rate Annual Percentage
Yield (APY)1
Average Daily Balance
Required
Checking $100 NA NA $1000*
Capital Checking $1000 0.15% 0.15% APY $2,500
Savings $100 0.10% 0.10% APY $1000*
Minor & IRA Savings $100 0.10% 0.10% APY NA
*$1,000 minimum balance or direct deposit to avoid service charge

Money Market Accounts

Minimum opening balance required
Personal: $2,000 | Business: $10,000

Account Tiers Interest Rate Annual Percentage
Yield (APY)1
$200,000 and Higher 0.99% 1.00%
$100,000 - $199,999 0.65% 0.65%
$50,000 - $99,999.99 0.30% 0.30%
$10,000-$49,999.99 0.20% 0.20%
Less than $10,000 0.10% 0.10%

Certificate of Deposit & IRA

Minimum opening balance required
Personal: $2,000 | Business: $10,000

Interest Rate Annual Percentage
Yield (APY)1
4-Month Interest Rate 0.75% 0.75%
9-Month Interest Rate 0.99% 1.00%
1-Year Interest Rate 1.44% 1.45%
2-Year Interest Rate 1.59% 1.60%
3-Year Interest Rate 1.69% 1.70%
4-Year Interest Rate 1.78% 1.80%
5-Year Interest Rate 1.88% 1.90%
13-Month Special 1.54% 1.55%
18-Month Special 1.74% 1.75%

1APY is the Annual Percentage Yield. Annual Percentage Yield is accurate as of date listed above.
2Interest is calculated and compounded daily on the balance in the account and credited to the account monthly. Account balance range required for each tier determines the interest rate used for calculations. If the required minimum average daily balance falls below $100,000, the interest rate will decrease to the current rate of the Business Now Checking account
Rates are variable and subject to change with market conditions and at any time at the sole discretion of Florida Capital Bank. Service charges/fees may reduce earnings. Minimum balance to obtain stated interest rates/APYs are listed above. Money Market & Savings Accounts transaction activity is limited to six withdrawals per month. CD rates (including IRA CDs) are fixed for the given term. A penalty may be imposed for early withdrawal . All accounts are subject to approval. Other fees may apply. Refer to our current Schedule of Account Fees provided at account opening or available upon request. Programs, rates and terms and conditions are subject to change at any time without notice. Banking products are provided by Florida Capital Bank, N.A. Member FDIC.