Savings/Checking Accounts

Account Type Dividend Rate APY**
Savings & Payable on Death Account
(Up to $4.99 ADB)
0.00% 0.00%
Savings & Payable on Death Account
($5.00 or more ADB)
0.10% 0.10%
Teen/Youth Account
($5.00 or more ADB)
0.40% 0.40%
Holiday Club Account
($5.00 or more ADB)
0.40% 0.40%
IRA Share Account
($25 or more minimum ADB)
0.40% 0.40%
Basic Checking Accounts 0.00% 0.00%
Secure Checking Accounts
(Up to $2,499.99 ADB)
0.00% 0.00%
Secure Checking Accounts
($2,500.00 or more ADB)
0.25% 0.25%

Term Share Certificates

Term Dividend Rate APY**
3 Months
($500 or more minimum balance)
0.50% 0.50%
6 Months
($500 or more minimum balance)
1.00% 1.00%
12 Months
($1,000 or more minimum balance)
1.50% 1.51%
12 Months Jumbo
($25,000 or more minimum balance)
1.60% 1.61%
24 Months
($1,000 or more minimum balance)
1.75% 1.76%
24 Months Step-Up
($5,000 or more minimum balance)
1.75% 1.76%
24 Months Jumbo Step-Up
($25,000 or more minimum balance)
1.85% 1.86%
30 Months*
($1,000 or more minimum balance)
3.00% 3.04%
36 Months
($1,000 or more minimum balance)
2.05% 2.06%
36 Months Step-Up
($5,000 or more minimum balance)
2.05% 2.06%
36 Months Jumbo Step-Up
($25,000 or more minimum balance)
2.15% 2.17%
48 Months
($1,000 or more minimum balance)
2.25% 2.27%
48 Months Step-Up
($5,000 or more minimum balance)
2.25% 2.27%
48 Months Jumbo Step-Up
($25,000 or more minimum balance)
2.35% 2.37%
60 Months
($1,000 or more minimum balance)
2.65% 2.68%
60 Months Step-Up
($5,000 or more minimum balance)
2.65% 2.68%
60 Months Jumbo Step-Up
($25,000 or more minimum balance)
2.75% 2.78%
*Early withdrawal penalty- loss of six (6) months dividends. Must be purchased with funds not currently at FBFCU.  At maturity, rolls into 24 month term certificate. Limited time offer.

IRA Term Share Certificates

Term Dividend Rate APY**
3 Months
($500 or more minimum balance)
0.50% 0.50%
6 Months
($500 or more minimum balance)
1.00% 1.00%
12 Months
($500 or more minimum balance)
1.50% 1.51%
12 Months Jumbo
($25,000 or more minimum balance)
1.60% 1.61%
24 Months
($500 or more minimum balance)
1.75% 1.76%
24 Months Step-Up
($5,000 or more minimum balance)
1.75% 1.76%
24 Months Jumbo Step-Up
($25,000 or more minimum balance)
1.85% 1.86%
36 Months
$500 or more minimum balance)
2.05% 2.06%
36 Months Step-Up
($5,000 or more minimum balance)
2.05% 2.06%
36 Months Jumbo Step-Up
($25,000 or more minimum balance)
2.15% 2.17%
48 Months
($500 or more minimum balance)
2.25% 2.27%
48 Months Step-Up
($5,000 or more minimum balance)
2.25% 2.27%
48 Months Jumbo Step-Up
($25,000 or more minimum balance)
2.35% 2.37%
60 Months
($500 or more minimum balance)
2.65% 2.67%
60 Months Step-Up
($5,000 or more minimum balance)
2.65% 2.67%
60 Months Jumbo Step-Up
($25,000 or more minimum balance)
2.75% 2.78%

Rates as of 04/01/19. ADB = Average Daily Balance **APY = Annual Percentage Yield.