Checking Accounts
• Free Personal Checking
• Sensible Checking
Interest Bearing Checking
• J.O.Y. Checking
• J.O.Y. PLUS Checking
• NOW Checking
Savings Accounts
• Regular Savings
• Money Market Account
• Kid’s Club Savings
• Christmas Club Account
• Vacation Club Account
Specialty Banking
• CDs / IRAs
• Personal & Home Equity Loans
• Mortgages
• Credit Cards
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Specialty Banking
CERTIFICATES OF DEPOSIT
| (Minimum $500 Deposit) |
INTEREST RATE |
APY* |
| 3 Month Certificate of Deposit |
0.50 |
0.50 |
| 6 Month Certificate of Deposit |
0.50 |
0.50 |
| 12 Month Certificate of Deposit |
0.95 |
0.95 |
| 15 Month Certificate of Deposit |
0.95 |
0.95 |
| 18 Month Certificate of Deposit |
1.24 |
1.25 |
| 24 Month Certificate of Deposit |
1.49 |
1.50 |
| 30 Month Certificate of Deposit |
1.59 |
1.60 |
| 36 Month Certificate of Deposit |
1.84 |
1.85 |
| 48 Month Certificate of Deposit |
2.18 |
2.20 |
| 60 Month Certificate of Deposit |
2.82 |
2.85 |
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INDIVIDUAL RETIREMENT ACCOUNTS
| (Minimum Deposit $10 TDOA / $500 Fixed) |
INTEREST RATE |
APY* |
| Variable / TDOA |
0.50 |
0.50 |
| 3 Month IRA |
0.50 |
0.50 |
| 6 Month IRA |
0.50 |
0.50 |
| 12 Month IRA |
0.95 |
0.95 |
| 24 Month IRA |
1.49 |
1.50 |
| 36 Month IRA |
1.84 |
1.85 |
| 48 Month IRA |
2.18 |
2.20 |
| 60 Month IRA |
2.82 |
2.85 |
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*APY - Annual Percentage Yield
Loans
Personal Loans
| Our customers’ dreams are very important to us. At First Community, we offer flexible terms and competitive interest rates on personal loans for automobiles, boats, or other major purchases. Convenient payments options can be arranged, including the automatic deduction of loan payments from your checking account. Contact one of our Loan Specialists for further information. |
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Home Equity Loans
| First Community provides Home Equity Loans that will allow you to put the equity you have invested in your home to work for you today. You may use your primary or secondary residence to secure a Home Equity Loan. As an additional benefit, the interest that you repay on these loans is tax deductible in many instances. You should consult a tax advisor regarding the deductibility of interest and charges under this home equity plan. Please contact one of our Loan Specialists for additional information. |
| (Minimum $500 Deposit) |
INTEREST RATE |
| PRIME LINE Home Equity Line of Credit |
Prime - .50%* |
|
| *Subject to certain terms and conditions. See our friendly loan officers for details. |
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Mortgages
First Community Bank offers an array of residential mortgage loan options to help you with your financing needs. Call (251) 634-9333.
|
| Types |
| Conventional Products |
• 10, 15, 20, & 30 year terms available
• Very competitive fixed rates and closing costs
• Minimum loan amount $30,000
• Maximum loan amount $417,000
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| 80/20 |
• 80% - 1st mortgage
• 20% - 2nd mortgage
• No PMI
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| Jumbo |
• 15 & 30 year terms
• Minimum $417,000
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| Adjustable Rate Mortgage (ARM) |
• 3, 5 & 7 year terms
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| 100% Financing Available |
• Closing costs, in most cases, may derive from various sources
• 10, 15, 20 & 30 year terms available
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| Interest First Loans |
• 30 year term paying interest only for the first 10-15 years
• Minimize monthly payments, thus freeing up cash for other investments; maximize tax deductions under the current laws
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| Community Solutions |
• Program is available for all emergency response personnel (i.e. police, fire rescue, etc.), healthcare workers, teachers
• Flexible credit guidelines
• Purchase only 30 year terms
• 100% financing available
|
| Non-Conforming Products |
• To accommodate credit worthy borrowers who need alternative documentation requirements (i.e. employment, income and/or assets)
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| First-time home buyers programs are also available. |
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Credit Cards
FCB Credit Cards
First Community, in association with Independent Bankers Association of America (IBAA), issues Credit Cards though either VISA or Master Card. These cards are accepted throughout the world.
For further information, please contact one of our Loan Specialists.
For lost or stolen FCB Credit cards, call VISA Card Services at 1-800-325-3678. |
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Visa Check Card
Convenient and easy to use, the VISA CheckCard saves you the hassle of carrying a checkbook or cash. The funds for purchases made with the VISA CheckCard are drawn directly from your checking account. The CheckCard also functions as an ATM card allowing you to withdraw cash at ATMs worldwide. The CheckCard can be used to make purchases wherever VISA CheckCards are accepted. CheckCards are issued subject to credit approval.
For lost or stolen VISA Check cards, call VISA Card Services at 1-800-791-2525. |
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