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Online Deposit Rates

Rates Effective April 11, 2024

Checking Accounts

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Account Name/TypeAPY*Minimum Deposit to Open

Account Name/Type


Premium Interest Checking^

APY*


no

Minimum Deposit to Open


no

Account Name/Type


Tier II $1,500 - above

APY*


0.16

Minimum Deposit to Open


$50

Account Name/Type


Tier 1 $0-$1,499.99

APY*


0.05

Minimum Deposit to Open


no

Account Name/Type


50 Plus Checking

APY*


0.12

Minimum Deposit to Open


$50

Account Name/Type


Direct Interest Checking

APY*


0.11

Minimum Deposit to Open


$50

Account Name/Type


Business Interest Checking^^

APY*


0.17

Minimum Deposit to Open


$50

Savings Accounts

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Account Name/TypeAPY*Minimum Deposit to Open

Account Name/Type


Passbook Savings

APY*


0.10

Minimum Deposit to Open


$50

Account Name/Type


Student Rewards Savings

APY*


0.10

Minimum Deposit to Open


$10

Account Name/Type


Christmas Club

APY*


0.10

Minimum Deposit to Open


$10

Account Name/Type


Vacation Club

APY*


0.10

Minimum Deposit to Open


$10

Money Market Accounts

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Account Name/TypeAPY*Minimum Deposit to Open

Account Name/Type


Individual Money Market^^^

APY*


no

Minimum Deposit to Open


no

Account Name/Type


Tier VII $1,000,000 - Above

APY*


3.81

Minimum Deposit to Open


$500

Account Name/Type


Tier VI $500,000 – $999,999.99

APY*


3.41

Minimum Deposit to Open


no

Account Name/Type


Tier V $300,000 – $499,999.99

APY*


1.56

Minimum Deposit to Open


no

Account Name/Type


Tier IV $100,000 – $299,999.99

APY*


1.16

Minimum Deposit to Open


no

Account Name/Type


Tier III $50,000 - $99,999.99

APY*


0.87

Minimum Deposit to Open


no

Account Name/Type


Tier II $1,500 - $49,999.99

APY*


0.33

Minimum Deposit to Open


no

Account Name/Type


Tier I $0 - $1,499.99

APY*


0.00

Minimum Deposit to Open


no

Member FDIC. APY* = annual percentage yield. Rates featured are variable rates and can change daily without notice. Fees may reduce earnings. For more information, contact your nearest First Community Bank of the Heartland Banking Center.

^$6 monthly fee if the minimum balance falls below $1,500.
^^$6 monthly fee if the minimum balance falls below $5,000.
^^^$6 monthly fee if the minimum balance falls below  $1,500.