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Rates

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

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

0.65%
Interest Rate

0.65%
APY

Minimum Opening Deposit:
$1,000

$200,000 and Higher

0.99%
Interest Rate

1.00%
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

0.99%
Interest Rate

1.00%
APY

Minimum Opening Deposit:
$2,000

$10,000 minimum opening deposit for business accounts

1 Year Interest Rate

1.44%
Interest Rate

1.45%
APY

Minimum Opening Deposit:
$2,000

$10,000 minimum opening deposit for business accounts

2 Years Interest Rate

1.59%
Interest Rate

1.60%
APY

Minimum Opening Deposit:
$2,000

$10,000 minimum opening deposit for business accounts

3 Years Interest Rate

1.69%
Interest Rate

1.70%
APY

Minimum Opening Deposit:
$2,000

$10,000 minimum opening deposit for business accounts

4 Years Interest Rate

1.78%
Interest Rate

1.80%
APY

Minimum Opening Deposit:
$2,000

$10,000 minimum opening deposit for business accounts

5 Years Interest Rate

1.88%
Interest Rate

1.90%
APY

Minimum Opening Deposit:
$2,000

$10,000 minimum opening deposit for business accounts

*13 Month Special

2.08%
Interest Rate

2.10%
APY

Minimum Opening Deposit:
$10,000

$10,000 minimum opening deposit for business accounts

*18 Month Special

2.23%
Interest Rate

2.25%
APY

Minimum Opening Deposit:
$10,000

$10,000 minimum opening deposit for business accounts

IOTA Account

$99,999.99 & 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

0.65%
Interest Rate

0.65%
APY

Minimum Opening Deposit:
$5,000

$200,000 and Higher

0.99%
Interest Rate

1.00%
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.

“Everyone at Florida Capital Bank is very responsive; they care about the business as much as you do.”

Chin Hsieh
Partner of West Georgia Café Inc.dba Dunkin Donuts

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