Checking
Community FREE Checking
- $50 to open
- No minimum balance to maintain account
- Unlimited deposits
- No service charge
- $3 paper statement fee (Waived if eStatement utilized)
- eStatements with digital images
Community CLUB Checking
- $50 to open
- No minimum balance to maintain account
- Unlimited deposits
- $8 service charge
- $3 credit if eStatement utilized
- eStatements with digital images
- FREE check orders – Special CLUB design
- FREE money orders
Community PLUS Checking
- $50 to open
- Earn interest on average daily balance, if > $10,000
- Interest compounded monthly and credited monthly
- Unlimited deposits
- No service charge
- $3 paper statement fee (Waived if eStatement utilized)
- eStatements with digital images
Community SENIOR Checking
- Must be age 65 to open
- $50 to open
- No minimum balance to maintain account
- Earn interest on average daily balance
- Interest compounded monthly and credited monthly
- Unlimited deposits
- No service charge
- $3 paper statement fee (Waived if eStatement utilized)
- eStatements with digital images
Savings/Insured Money Market Accounts
Savings
- $100 to open, $50 to open for minors (Ages 0-19)
- Earn interest on average daily balance
- Interest compounded quarterly and credited quarterly
- Unlimited deposits
- Nine debits per quarter, then $0.50 per debit thereafter
- Account restricted to six “limited” debits per month
- Limited debits include: ACHs, sweeps, transfers/withdrawals made by online or mobile banking
- Unlimited debits include: Loan repayment with FCB (excluding DDL payments), transfers/withdrawals made by mail, phone, ATM or in person
- If account violates the limited debit requirement for three consecutive months, FCB will convert the account to a Community FREE checking account or close the account
Insured Money Market Account
- $100 to open
- No minimum balance to maintain account
- Earn interest on average daily balance (See IMMA Rates)
- Interest compounded monthly and credited monthly
- Unlimited deposits
- Account restricted to six “limited” debits per month
- Limited debits include: Checks, ACHs, sweeps, transfers/withdrawals made by online or mobile banking
- Unlimited debits include: Loan repayment with FCB (excluding DDL payments), transfers/withdrawals made by mail, phone, ATM or in person
- If account violates the limited debit requirement for three consecutive months, FCB will convert the account to a Community FREE checking account or close the account
Certificates of Deposit
- $2,500-$10,000 minimum to open based on account type
- Three to sixty month term based on account type
- Interest compounded quarterly
- Automatic CD renewal
- Option to withdraw funds at maturity
- Penalty for early withdrawal
- Withdrawal of interest will reduce earnings
- See Current CD Rates
Consumer Loans
Installment loans are available for the purchase of a new vehicle or to cover personal expenses.
Nebraska Energy Loan
First Community Bank offers the Nebraska Energy loan program to encourage customers to finance energy improvements for your home or business. Qualified customers may apply for a loan up to ten years that offers low fixed interest rates.
1-4 Family Mortgage Loans
First Community Bank offers a variety of mortgage loans to best suit individual customer needs.
- 10 to 30 year conventional fixed rate mortgages
- In-house fixed rate, balloon mortgages
- Loans are subject to credit approval
Home Equity Loan or Line of Credit
Use the equity you have in your home to finance your purchases. Whether it is debt consolidation, home improvement, a new car, or college tuition, your FCB Home Equity Loan or Line of Credit is a reusable source of cash that you can use however you need.
Construction Loan
Thinking of building the home of your dreams? Start with First Community Bank to fulfil your dream with a home construction loans.
Bridge Loans
Bridge Loans are short-term loans used to “bridge” the gap between buying/building a new home and selling an old one.