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FCB Banks


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.fcbbanks.com
618-346-9000
800 Belt Line Rd
Collinsville, IL 62234

FCB Banks is headquartered in COLLINSVILLE and is the 28th largest bank in the state of Illinois. It is also the 495th largest bank in the nation. It was established in 1990 and as of March of 2025, it had grown to 218 employees at 20 locations. FCB Banks' money market rates are 9X the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #33005
Year Established1990
Employees218
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.43%
Return on Equity - YTD18.22%
Annual Interest Income$32.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.51B$2.23B
LoansQ1 2025vs Q1 2024$1.91B$1.8B
DepositsQ1 2025vs Q1 2024$2.08B$1.83B
Equity CapitalQ1 2025vs Q1 2024$198.8MM$176.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$20.4MM$18.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$7.8MM$5.3MM
Real Estate OwnedQ1 2025vs Q1 2024$317K$402K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

FCB Banks Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$500*-Savings Account
OTHER TIERS: 0.35% → $0 - $500
0.40%$0-Health Savings Account (HSA)

FCB Banks Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.20%*$1m*-Hometown Money Market w/ DD
OTHER TIERS: 2.50% → $55k - $75k | 2.60% → $75k - $100k | 3.10% → $100k - $200k | 3.20% → $200k - $250k | 3.30% → $250k - $500k | 3.80% → $500k - $1m
4.10%*$1m*-Hometown Money Market w/o DD
OTHER TIERS: 2.40% → $55k - $75k | 2.50% → $75k - $100k | 3.00% → $100k - $200k | 3.10% → $200k - $250k | 3.20% → $250k - $500k | 3.70% → $500k - $1m
3.95%*$1m*-Jumbo Commercial Money Market w/ Primary Business Checking
OTHER TIERS: 3.55% → $100k - $250k | 3.60% → $250k - $500k | 3.70% → $500k - $1m
3.70%*$1m*-Jumbo Commercial Money Market w/o Primary Business Checking
OTHER TIERS: 3.30% → $100k - $250k | 3.35% → $250k - $500k | 3.45% → $500k - $1m
2.20%*$96k*-49er Jumbo Money Market Account
OTHER TIERS: 2.10% → $49k - $96k
2.10%*$96k*-49er Premier Money Market Account
OTHER TIERS: 0.75% → $0 - $5k | 1.70% → $5k - $25k | 1.95% → $25k - $45k | 2.05% → $45k - $96k
2.10%*$96k*-Jumbo Money Market Account
OTHER TIERS: 2.00% → $49k - $96k
2.05%*$96k*-Commercial Money Market Account
OTHER TIERS: 0.45% → $0 - $1k | 1.60% → $1k - $25k | 1.80% → $25k - $96k
2.00%*$96k*-Premier Money Market Account
OTHER TIERS: 0.65% → $0 - $5k | 1.60% → $5k - $25k | 1.85% → $25k - $45k | 1.95% → $45k - $96k

FCB Banks Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$96k*-Commercial Interest Checking
OTHER TIERS: 0.50% → $1k - $25k | 0.60% → $25k - $96k
0.60%$500-49er Gold Club Checking
0.30%$1k-First Rate Direct Checking
0.30%$1k-First Rate Checking

FCB Banks CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.40%$1k-7 Month 49er Relationship CD Special
4.30%$1k-71 Month 49er Relationship CD Special
4.30%$1k-7 Month CD Special
4.20%$1k-59 Month 49er Relationship CD Special
4.20%$1k-13 Month 49er Relationship CD Special
4.20%$1k-71 Month CD Special
4.15%$1k-47 Month 49er Relationship CD Special
4.10%$1k-35 Month 49er Relationship CD Special
4.10%$1k-59 Month CD Special
4.10%$1k-13 Month CD Special
4.05%$1k-47 Month CD Special
4.00%$1k-35 Month CD Special
3.25%$1k-7 Year 49er Relationship CD
3.20%$1k-7 Year CD
3.15%$1k-5 Year 49er Relationship CD
3.10%$1k-5 Year CD
3.05%$1k-3 Year 49er Relationship CD
3.00%$1k-3 Year CD
2.95%$1k-2 Year 49er Relationship CD
2.90%$1k-2 Year CD
2.80%$1k-1 Year 49er Relationship CD
2.75%$1k-1 Year CD
1.85%$1k-6 Month 49er Relationship CD
1.80%$1k-6 Month CD
1.15%$1k-1 Month 49er Relationship CD
1.10%$1k-1 Month CD
Locations


FCB Banks Locations
Florissant Branch14040 New Halls Ferry RdFlorissant, MO 63033
Fcb Columbia Branch700 Colombia CentreColumbia, IL 62236

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