We call it online banking.

You call it convenience.

Take care of your business banking needs anywhere, anytime with our state-of-the-art Internet banking platform. Check balances, get account details between statements and even balance your accounts. You’ll also be able to make transfers between accounts to maximize the use of your money and save time by paying bills online. 

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Go Paperless! E-Statements Available.
To enroll in our e-statement program, sign-on to our Online Banking System
and check the option for e-statements.

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Deposit Account Rates

Rates below are effective as of: April 14, 2014 APY is the Annual Percentage Yield for the account
Personal Accounts
Product Type
Interest Rate
APY

Florida Capital Prime Account

Minimum Opening Deposit: $1,000

0.10%
0.10%

Personal Capital Checking

Minimum Opening Deposit: $1,000

0.15%
0.15%

Personal Savings Account

Minimum Opening Deposit: $100 (Including Minor Savings)

0.10%
0.10%
 
 
 

Money Market Account

(Minimum Opening Deposit: $1,000)

 
 

$100,000 and Higher

0.35%
0.35%

$10,000 – $99,999.99

0.25%
0.25%

Less Than $10,000

0.15%
0.15%
Business Accounts
Product Type
Interest Rate
APY

Business NOW Checking

Minimum Opening Deposit: $1,000 

(eligibility restrictions apply)

0.10%
0.10%

Non-For-Profit Checking

Minimum Opening Deposit: $2,500

(Offered to Non-For-Profit Entities Only)

0.25%
0.25%

Business Savings Account

Minimum Opening Deposit: $1,000

(Funds at account opening must be new to Florida Capital Bank. Checking account required.)

0.10%
0.10%

Money Market Account

Minimum Opening Deposit: $5,000

 
 

$100,000 and Higher

0.35%
0.35%

$10,000 – $99,999.99

0.25%
0.25%

Less Than $10,000

0.15%
0.15%

Earnings Credit Rate:
0.50% (June 2013)

For business deposit accounts on analysis.  Used to offset service charges.

 
 

IOTA Account:

( No Minimum Opening Balance Required)

 
 

$100,000 and Higher

0.15%
0.15%

Less Than $100,000

0.10%
0.10%
Certificate of Deposit and IRA
Term
Interest Rate
APY

Certificate of Deposit and IRA

Minimum Opening Deposit:
$2,000 – Personal
$10,000 – Business

 
 

1 year

0.90%
0.90%

2 years

1.04%
1.05%

3 years

0.40%
0.40%

4 years

0.40%
0.40%

5 years

0.50%
0.50%

Testimonials

"Florida Capital Bank continues to be a solid resource for all types of banking services."

Mike Underwood, M.L. Underwood Construction

"It's time to make a change to the experienced bankers at Florida Capital Bank. "

Bart Worley, Premiums, Promotions & Imports

"You are extremely responsive and the customer service is outstanding."

Lynn Balaban, Lynn Balaban, CPA, P.A.

Deposit Rates

Click here for information on our deposit products offering the best rates with most competitive fees.

Available Real Estate

For information on available and foreclosed real estate, please download our pdf.

Security

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