OPEN AN ACCOUNT TODAY!  •  CALL 361-888-9310

Personal Banking

Community Checking

  • Basic checking account for everyone!

Community Gold

  • Must be 55+ to open
  • FREE first order of checks
  • FREE Cashier’s Checks
  • $5 domestic wire transfers
  • Special rates on CDs

Teens Club Checking

  • First Checking Account for teens age 13-17
  • Guardian must sign on account
  • Parental controls available

Community Checking Plus

  • Interest-earning account
  • $50 to open, $5 Monthly Service Fee
  • Must maintain $1,500 balance to earn posted Annual Percentage Yield
  • Accrued interest is forfeited if account is closed before the end of the statement cycle

Community Money Market

  • Interest-earning limited transaction account
  • Tiered interest rate structure
  • Must maintain $1,500 balance to earn posted Annual Percentage Yield
  • If daily balance falls below $1,500, $15.95 Balance Maintenance Fee applied per statement cycle
  • Limit of 6 transfers, payments or withdrawals per statement cycle payable to a third party
  • $7.50 Excess Withdrawal Fee is assessed each time the statement cycle limit of 6 transactions is exceeded
  • Accrued interest is forfeited if account is closed before the end of the statement cycle

Community Savings

  • Basic savings account for everyone!
  • Must maintain $50 balance to earn posted Annual Percentage Yield
  • If daily balance falls below $50, $3.95 Balance Maintenance Fee applied per statement cycle
  • Limit of 6 transfers, payments or withdrawals per statement cycle payable to a third party
  • Accrued interest is forfeited if account is closed before the end of the statement cycle

Teens Club Savings

  • Special account for teens age 13-17
  • Must maintain $50 balance to earn posted Annual Percentage Yield
  • Limit of 6 transfers, payments or withdrawals per statement cycle payable to a third party
  • Accrued interest is forfeited if account is closed before the end of the statement cycle

Kids Club Savings

  • FCB will match up to $5 of your first deposit!
  • Up to 12 years old eligible
  • Must maintain $5 balance to earn posted Annual Percentage Yield
  • Limit of 6 transfers, payments or withdrawals per statement cycle payable to a third party
  • Accrued interest is forfeited if account is closed before the end of the statement cycle

Certificate of Deposit (CD)

  • Interest-earning non-transaction account
  • Maturity terms of 90 days to 4 years
  • Competitive interest rates based on maturity term and principal amount
  • Interest calculated using daily balance method
  • Interest is added back to the CD principal every 3 months
  • Early withdrawal penalty applies

Individual Retirement Account (IRA)

  • Retirement investment
  • Interest-earning non-transaction account
  • Maturity terms of 12, 18 or 24 months
  • Competitive interest rates based on maturity term
  • Interest calculated using daily balance method
  • Interest is compounded daily and added back to the IRA principal each quarter