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Rates

A giant stone face at The Bayon temple in Angkor Thom, Cambodia

DEPOSIT ACCOUNT RATES

Rates below are effective as of: September 5, 2017
APY is the Annual Percentage Yield for the account

Personal Accounts

Personal Savings Account

0.10%
Interest Rate

0.10%
APY

Minimum Opening Deposit:
$100

Florida Capital Prime Account

0.10%
Interest Rate

0.10%
APY

Minimum Opening Deposit:
$1,000

Personal Capital Checking

0.15%
Interest Rate

0.15%
APY

Minimum Opening Deposit:
$1,000

Money Market Accounts

Less than $10,000

0.10%
Interest Rate

0.10%
APY

Minimum Opening Deposit:
$1,000

$10,000-$49,999.99

0.20%
Interest Rate

0.20%
APY

Minimum Opening Deposit:
$1,000

$50,000 - $99,999.99

0.30%
Interest Rate

0.30%
APY

Minimum Opening Deposit:
$1,000

$100,000 - $199,999

0.45%
Interest Rate

0.45%
APY

Minimum Opening Deposit:
$1,000

$200,000 and Higher

0.55%
Interest Rate

0.55%
APY

Minimum Opening Deposit:
$1,000

Business Accounts

Business Savings Account

0.10%
Interest Rate

0.10%
APY

Minimum Opening Deposit:
$1000

(Funds at account opening must be new to FLCB. Checking account required)

Business NOW Checking

0.10%
Interest Rate

0.10%
APY

Minimum Opening Deposit:
$1,000

(Eligibility restrictions apply)

Non-For-Profit Checking

0.25%
Interest Rate

0.25%
APY

Minimum Opening Deposit:
$2,500

(Offered to Non-For-Profit Entities Only)

Certificate of Deposit & IRA

4 Months Interest Rate

0.75%
Interest Rate

0.75%
APY

Minimum Opening Deposit:
$2,000

$10,000 minimum opening deposit for business accounts

9 Months Interest Rate

0.85%
Interest Rate

0.85%
APY

Minimum Opening Deposit:
$2,000

$10,000 minimum opening deposit for business accounts

1 Year Interest Rate

0.25%
Interest Rate

0.25%
APY

Minimum Opening Deposit:
$2,000

$10,000 minimum opening deposit for business accounts

2 Years Interest Rate

0.30%
Interest Rate

0.30%
APY

Minimum Opening Deposit:
$2,000

$10,000 minimum opening deposit for business accounts

3 Years Interest Rate

0.40%
Interest Rate

0.40%
APY

Minimum Opening Deposit:
$2,000

$10,000 minimum opening deposit for business accounts

4 Years Interest Rate

0.40%
Interest Rate

0.40%
APY

Minimum Opening Deposit:
$2,000

$10,000 minimum opening deposit for business accounts

5 Years Interest Rate

0.40%
Interest Rate

0.40%
APY

Minimum Opening Deposit:
$2,000

$10,000 minimum opening deposit for business accounts

IOTA Account

$999,999.99 & Less

0.10%
Interest Rate

0.10%
APY

Minimum Opening Deposit:
$0

$100,000 & Higher

0.15%
Interest Rate

0.15%
APY

Minimum Opening Deposit:
$0

Money Market Accounts

Less than $10,000

0.10%
Interest Rate

0.10%
APY

Minimum Opening Deposit:
$5,000

$10,000-$49,999.99

0.20%
Interest Rate

0.20%
APY

Minimum Opening Deposit:
$5,000

$50,000 - $99,999.99

0.30%
Interest Rate

0.30%
APY

Minimum Opening Deposit:
$5,000

$100,000 - $199,999

0.45%
Interest Rate

0.45%
APY

Minimum Opening Deposit:
$5,000

$200,000 and Higher

0.55%
Interest Rate

0.55%
APY

Minimum Opening Deposit:
$5,000

Please Note:

  1. Interest rates are effective as of the above date and subject to change with market conditions.
  2. Fees could reduce earnings on the account.
  3. Checking & savings account rates may change after account is opened.
  4. Money Market & Savings Accounts: Transaction activity limited to six withdrawals per month.
  5. CD & IRA rates are fixed for the given term. A penalty may be imposed for early withdrawal.

 With Florida Capital Bank, you get personalized service, which is hard to get with larger institutions these days. They listen to your needs and respond with timely solutions, and they make time to come out and sit with us face-to-face and work through details. 

Will Montoya
Principal owner and founder of Montoya & Associates

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