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 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
• $7.50 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 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