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Preferred Branch

Mason City (641)423-1600 Change Location

Your Preferred Branch

Mason City Change Location

2601 4th Street SW
Mason City, IA 50401

Tel.(641)423-1600

Hours
Monday-Thursday: 9:00am - 4:00pm
Friday: 9:00am - 5:00pm
Sat: 9:00am - 12:00pm
Get Directions

Change Preferred Branch

  • Charles City Branch
    300 North Main Street - Charles City

  • Clarion Branch
    315 Central Avenue East - Clarion

  • Kanawha Branch
    220 North Main Street - Kanawha

  • Latimer Branch
    119 North Akir Street - Latimer

  • Mason City State Street Branch
    33 East State Street - Mason City

  • Mason City West Branch
    2601 4th Street SW - Mason City

  • Mora Branch
    730 Forest Ave East - Mora

  • New Hampton Branch
    124 West Main Street - New Hampton

  • Osage Branch
    501 Main Street - Osage

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ASTONISHING!
A Savings Account With CD Rates?

Platinum Savings

Get the convenience of a savings account WITH a CD-type interest rate! 

  • No minimum opening deposit
  • Tiered account - the higher your balance, the higher your interest rate
  • Maintain a $10,000 average collected balance, and we’ll waive the $25.00 monthly service charge.

Platinum Savings Rates and Tiers

Rates and annual percentage yields (APY) effective as of November 14, 2018. Subject to change. See us for details.

picture of platinum logo logo

Open Account Online

Savings Accounts
Account

Daily minimum balance to earn APY

Interest Rate

APY

Platinum Savings*$9,999.99 and below0%0%
Platinum Savings*$10,000.00 - $49,999.991.00%1.00%
Platinum Savings*$50,000.00 - $99,999.991.50%1.51%
Platinum Savings*$100,000.00 - $249,999.991.75%1.76%
Platinum Savings*$250,000.00 and above2.00%2.02%

*No minimum balance to open. $10,000 minimum average collected balance is required to avoid a service charge.If the minimum average collected balance is not met, a $25.00 monthly service charge will be assessed. (Excludes applicable taxes.) Interest rates and annual percentage yields are variable and subject to change daily. Fees could reduce earnings.


Savings Account Comparison

Savings Account Comparison
 Q: Is the account for someone under the age of 14?Q: Are you just starting to save?Q: Are you looking for an account that pays a competitive interest rate?
 Power Saver Savings
Designed for kids 14 & younger.
Basic Savings
A great way to start saving!
Platinum Savings
Our high balance, high-yield account for serious savers.
How to get started
 
$5.00
Minimum opening deposit. Quarterly statement1.
No minimum to open
Easy way to start saving! Quarterly statement1.
$0
Minimum opening deposit. Monthly Statement1.
Interest
 
Earn interest
Paid on the daily collected balance. Compounded and paid quarterly.
 
Earn interest
Paid on the daily collected balance. Compounded and paid quarterly.
Earn tiered interest
Paid on the daily collected balance of $10,000 or more. See a Personal Banker for complete information about rates and tiers. Compounded and paid monthly.
Sweet perks
 
Power Saver Club
Exclusive membership in First Citizens Power Saver Club.
Membership includes:
  • Choice of gift at account opening
  • Birthday gift at birth month
  • Special drawings and activities
  • Online Power Saver quarterly fun page.
Automatic Saving
Build your savings faster when you set-up automatic deposits into your account. You can also sign up for our uSave Program, an automatic saving program between your First Citizens checking and savings accounts when you use your First Citizens debit card.
Automatic Saving
Build your savings faster when you set-up automatic deposits into your account. You can also sign up for our uSave Program, an automatic saving program between your First Citizens checking and savings accounts when you use your First Citizens debit card.
Online access
 
Enroll in eStatements
Quarterly paper statements are available with this account. Parents who enroll in Online Banking and are on the Power Saver account can switch this account to eStatements and get statements sooner.
Online
Bank anytime, from anywhere at www.myfcb.bank. Free Online Banking2 with eStatements and Bill Pay. Open and fund accounts, check balances, and make transfers between First Citizens accounts.
Online
Bank anytime, from anywhere at www.myfcb.bank. Free Online Banking
2 with eStatements and Bill Pay. Open and fund accounts, check balances, and make transfers between First Citizens accounts.
Limitations
 
Account Transfer Limits
Six pre-authorized debits allowed per month (includes telephone transfers, Online Banking transfers, Telephone Banking transfers, auto transfers for overdraft protection, and drafts.) Unlimited in-person withdrawals.
Account Transfer Limits
Six pre-authorized debits allowed per month (includes telephone transfers, Online Banking transfers, Telephone Banking transfers, auto transfers for overdraft protection, and drafts.) Unlimited in-person withdrawals.
Account Transfer Limits
Six pre-authorized debits allowed per month (includes telephone transfers, Online Banking transfers, Telephone Banking transfers, auto transfers for overdraft protection, and drafts.) Unlimited in-person withdrawals.
Fee informationn/aMaintain a $100 average collected balance, and we’ll waive the $2.00 monthly service charge.Maintain a $10,000 average collected balance, and we’ll waive the $25.00 monthly service charge.
Account
Opening

This account must be opened in person by an adult over the age of 18 (such as a parent, grandparent, guardian, aunt or uncle)

Open NowOpen Now



1Savings accounts receive quarterly statements unless there are electronic transfers, then monthly statements will be received. If you have a First Citizens checking account, your savings account statement will be provided to you monthly with your checking statement.

2Downloading fees may apply.


Building a smart savings strategy starts here

Saving money is an important financial skill to master, but it also requires the right account to help make the most of the money you’ve put away. 

Special Savings Accounts

Power Saver Account

  • A savings account an adult over the age of 18 (such as a parent, grandparent, guardian, aunt or uncle) can open with their name on the account for a child (ages 14 and under).
  • Teaches the importance of saving along with having fun!
  • Exclusive Power Saver activities (movies, pool parties, and more!)
  • Special drawings

picture of power saver logo

Click here to learn more!


Health Savings Account

  • An HSA is an account designed to help you save specifically for health care costs.
  • It is used in conjunction with a high-deductible health plan.
  • You control what you use the funds in your HSA for.
  • The money in your account rolls over from year to year.

Your tax adviser can help you decide if an HSA is the right solution for you.

picture of hsa pig


Christmas Club Account

Do holiday expenses put a strain on your budget? Open a Christmas Club Account!

  • Earn interest*
  • No minimum opening deposit
  • Deposits can be made in any amount at any time
  • Your Christmas Club account balance automatically transfers to your First Citizens checking or savings account on November 1st of each year.

*No interest earned on balances over $5,000.00 Penalty applies for early withdrawal.


Higher Learning Fund

A college education is a significant financial investment. This account helps you save specifically for college by saving and building the balance through compound interest. The account matures when the child graduates from high school.

  • No minimum opening deposit
  • Interest is paid on the daily collected balance. Compounded and paid quarterly.
  • Ability to make automatic transfers from checking or savings accounts
  • Interest equal to three-year Constant Maturity Treasury Rate as reported in the Wall Street Journal and is subject to change quarterly
  • One year penalty for early withdrawal
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