Interest Rates

 

 

Consumer and Business Deposit Rates

Effective Date: April 19, 2019

Rates are Subject to Change at Our Discretion Without Notice

Not all accounts are available to be opened online.

Annual Percentage Yield (APY): The annualized rate paid including compounding interest. 

Print

Savings & Checking

Interest Access CheckingInterest RateAPY
(daily collected balance of $1.00 or more).02%.02%
High Yield CheckingInterest RateAPY

(daily collected balances of $1.00 to $15,000 AND all account qualifiers (listed below) are met) AND

2.20%2.22%

(the portion of daily collected balances greater than $15,001 AND all account qualifiers (listed below) are met)

.25%Range 2.22% to 1.43% depending on account balance

(daily collected balance of $1.00 and more AND any of the account qualifiers (listed below) are not met)

.01%.01%
FirstPrize $avingsInterest RateAPY 

(daily collected balance of $1.00 - $24,999)

.03%.03%
(daily collected balance of $25,000 - $99,999).05%.05%
(daily collected balance of $100,000 or more).15%.15%
First SavingsInterest RateAPY 
(daily collected balance of $1.00 - $24,999).03%.03%
(daily collected balance of $25,000 - $99,999).05%.05%
(daily collected balance of $100,000 or more).15%.15%
First Business SavingsInterest RateAPY
(daily collected balance of $1.00 - $24,999).03%.03%
(daily collected balance of $25,000 - $99,999).05%.05%
(daily collected balance of $100,000 or more).15%.15%
First Tiered Money MarketInterest RateAPY
(daily collected balance of  $1.00 - $2,499).03%.03%
(daily collected balance of $2,500 - $24,999).05%.05%
(daily collected balance of $25,000 or more).15%.15%
First Business Money MarketInterest RateAPY
(daily collected balance of $1.00 - $2,499).03%.03%
(daily collected balance of $2,500 - $24,999).05%.05%
(daily collected balance of $25,000 or more).15%.15%
FirstMaturedCD SavingsInterest RateAPY
(daily collected balance of greater than $1.00).50%.50%
Firstrate Money MarketInterest RateAPY
(daily collected balance of $1.00 - $2,499).01%.01%
(daily collected balance of $2,500 - $49,999).30%.30%
(daily collected balance of $50,000 - $249,999 or more)1.34%1.35%
(daily collected balance of $250,000 or more)1.49%1.50%

The FirstRate Money Market account must be opened at our Fairfield branch office located at 1312 Post Road, Fairfield, Connecticut with funds not currently on deposit with First County Bank. 

Refer to the Consumer Deposit Account Schedule of Charges, the Business Deposit Account Schedule of Charges, and all applicable account disclosures and agreements for additional charges, fees and/or limitations that may apply.

InterestAccess Checking Account: The interest rate and APY may change after account opening. You must maintain a minimum collected daily balance of $1.00 in the account to obtain the disclosed APY. The minimum deposit to open the account is $50.00. Fees could reduce earnings.

High Yield Checking Account: The interest rate and APY may change after account opening. You must maintain a minimum collected daily balance of $1.00 in the account to obtain the disclosed APY. The minimum deposit to open the account is $50.00. Fees could reduce earnings.  Account Qualifiers are: at least twelve (12) qualifying debit card Point of Sale (POS) purchase transactions that post and settle within the statement cycle; AND at least one (1) direct deposit transaction posts and settles within the statement cycle to this account; AND be enrolled in and agree to receive electronic periodic account statements (eStatements) for the statement cycle and discontinue receipt of paper periodic account statements for this account.  See Checking Account Disclosure for further details. Interest is paid at the above listed rate on the daily collected balances on deposit in each tier, creating a blended interest rate for the entire balance. 

First Savings Account and FirstPrize $avings Account: The interest rate and APY may change after account opening. This account is a tiered interest-bearing account. The minimum balances required to obtain the APY for each tier are listed above. The minimum deposit to open the account is $1.00. Fees could reduce earnings.
FirstMaturedCD Savings Account: The interest rate and APY may change after account opening. You must maintain a minimum collected daily balance of $1.00 in the account to obtain the disclosed APY. The minimum deposit to open the account is $1.00. Fees could reduce earnings.
First Tiered Money Market Account and FirstRate Money Market: The interest rate and APY may change after account opening. This account is a tiered interest-bearing account. The minimum balances required to obtain the APY for each tier are listed above. The minimum deposit to open the account is $1.00. Fees could reduce earnings.

Certificates of Deposit (CDs)

Certificates of Deposit - TermsInterest RateAPY 
60 Day.10%.10% 
91 Day.10%.10% 
6 Month.10%.10% 
12 Month.25%.25% 
One Year Tax-Deferred 2.00%2.00% 
13 Month 2.23%2.25% 
14- Month Easy-Out 1.49%1.50% 
18 Month2.47%2.50% 
18 Month Bump Rate.50%.50% 
24 Month.50%.50% 
30 Month Bump Rate2.72%2.75% 
36 Month.70%.70% 
36 Month Bump Rate1.98%2.00% 
48 Month1.09%1.10% 
60 Month1.24%1.25% 

CDs: You must maintain a minimum collected daily balance of $1,000.00 to obtain the disclosed APYs for each account. A penalty for early withdrawal will be imposed. Fees could reduce earnings.

 
 

Retirement Investments Rates (IRAs)

Money MarketInterest RateAPY 
Money Market.03%.03% 
Certificates of Deposit - TermsInterest RateAPY 
1 Year CD.25%.25% 
2 1/2 Year CD1.98%2.00% 
5 Year CD1.23%1.25% 

IRAs:The Money Market Interest Rate and APY may change after account opening. You must maintain a minimum collected daily balance of $1,000.00 to obtain the disclosed APYs for each account. For CDs, a penalty for early withdrawal will be imposed. Fees could reduce earnings

For more rate information, please call (203) 462-4400.