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First Commonwealth Bank has great bank rates on checking accounts, savings accounts, certificates of deposit, IRAs, credit cards, loans, mortgages and more. Find the rate that's right for you, and stop by one of our branches or call us anytime at 1-844-711-2265 (BANK), to start banking with us today.
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Deposit Rates: In branch only rates below. Online account opening rates may differ and are quoted at the time of account opening.
The Annual Percentage Yield (APY) is accurate as of 4/27/2026. Rates are subject to change at any time.
Personal:
|
Minimum Deposit to Open
|
Minimum Balance to Obtain APY
|
Interest Rate
|
APY
|
|---|---|---|---|---|
Hometown Checking Plus
|
$50
|
$0.01 - $499.99
|
0.00%
|
0.00%
|
$500 - $2,499.99
|
0.01%
|
0.01%
|
||
$2,500 - $9,999.99
|
0.01%
|
0.01%
|
||
$10,000 and Over
|
0.01%
|
0.01%
|
||
Hometown Checking Premium
|
$50
|
$0.01 - $499.99
|
0.00%
|
0.00%
|
$500 - $2,499.99
|
0.01%
|
0.01%
|
||
$2,500 - $9,999.99
|
0.01%
|
0.01%
|
||
$10,000 and Over
|
0.01%
|
0.01%
|
||
Health Savings Account
|
$50
|
$0.01 - $499.99
|
0.00%
|
0.00%
|
$500 - $2,499.99
|
0.05%
|
0.05%
|
||
$2,500 - $9,999.99
|
0.05%
|
0.05%
|
||
$10,000 and Over
|
0.05%
|
0.05%
|
||
Hometown Savings
|
$0
|
$0.01 - $1,499.99
|
0.07%
|
0.07%
|
$1,500 - $9,999.99
|
0.07%
|
0.07%
|
||
$10,000 - $24,999.99
|
0.07%
|
0.07%
|
||
$25,000 - $49,999.99
|
0.10%
|
0.10%
|
||
$50,000 and Over
|
0.10%
|
0.10%
|
||
American Dream Savings
|
$25
|
$0.01 and Over - Base Rate
|
0.07%
|
0.07%
|
$0.01 and Over - Max Rate1
|
0.40%
|
0.40%
|
||
Hometown Money Market
|
$1,000
|
$0.01 - $19,999.99
|
0.06%
|
0.06%
|
$20,000 - $49,999.99
|
0.12%
|
0.12%
|
||
$50,000 - $99,999.99
|
0.12%
|
0.12%
|
||
$100,000 - $249,999.99
|
0.18%
|
0.18%
|
||
$250,000 - $1,999,999.99
|
0.18%
|
0.18%
|
||
$2,000,000 and Over
|
0.18%
|
0.18%
|
||
Relationship Money Market
|
$1,000
|
$0.01 - $19,999.99
|
0.15%
|
0.15%
|
Relationship Rates2
|
$20,000 - $49,999.99
|
0.30%
|
0.30%
|
|
$50,000 - $99,999.99
|
0.30%
|
0.30%
|
||
$100,000 - $249,999.99
|
0.40%
|
0.40%
|
||
$250,000 - $1,999,999.99
|
0.40%
|
0.40%
|
||
$2,000,000 and Over
|
0.40%
|
0.40%
|
||
Relationship Money Market
|
$1,000
|
$0.01 - $19,999.99
|
0.06%
|
0.06%
|
Non-Relationship Rates3
|
$20,000 - $49,999.99
|
0.12%
|
0.12%
|
|
$50,000 - $99,999.99
|
0.12%
|
0.12%
|
||
$100,000 - $249,999.99
|
0.18%
|
0.18%
|
||
$250,000 - $1,999,999.99
|
0.18%
|
0.18%
|
||
$2,000,000 and Over
|
0.18%
|
0.18%
|
||
Tower Savers
|
$0
|
$0.01 - $9,999.99
|
0.07%
|
0.07%
|
$10,000 and Over
|
0.10%
|
0.10%
|
||
Holiday Club
|
$5
|
$0.01 and Over
|
0.07%
|
0.07%
|
Vacation Club
|
$5
|
$0.01 and Over
|
0.07%
|
0.07%
|
Business:
|
Minimum Deposit to Open
|
Minimum Balance to Obtain APY
|
Interest Rate
|
APY
|
|---|---|---|---|---|
Business Checking Plus
|
$50
|
$0.01 - $2499.99
|
0.02%
|
0.02%
|
$2,500 - $9,999.99
|
0.02%
|
0.02%
|
||
$10,000 and Over
|
0.02%
|
0.02%
|
||
IOLTA / MJ-IOTA Accounts
|
$100
|
$0.01 - $1,499.99
|
.10%
|
.10%
|
$1,500 - $4,999.99
|
.10%
|
.10%
|
||
$5,000 and Over
|
.10%
|
.10%
|
||
Business Savings
|
$50
|
$0.01 - $499.99
|
0.00%
|
0.00%
|
$500 - $2,499.99
|
0.02%
|
0.02%
|
||
$2,500 - $24,999.99
|
0.02%
|
0.02%
|
||
$25,000 - $74,999.99
|
0.04%
|
0.04%
|
||
$75,000 and Over
|
0.04%
|
0.04%
|
||
Hometown Money Market
|
$1,000
|
$0.01 - $19,999.99
|
0.06%
|
0.06%
|
$20,000 - $49,999.99
|
0.12%
|
0.12%
|
||
$50,000 - $99,999.99
|
0.12%
|
0.12%
|
||
$100,000 - $249,999.99
|
0.18%
|
0.18%
|
||
$250,000 - $1,999,999.99
|
0.18%
|
0.18%
|
||
$2,000,000 and Over
|
0.18%
|
0.18%
|
1 American Dream Reward Interest will be increased by .11%, up to a maximum rate increase of .33% added to the base rate, when additional accounts within the following product groupings are included in the Relationship:
- Checking Account or Money Market Account
- Certificate of Deposit or Individual Retirement Account
-Consumer Loan (Installment, Home Equity, Personal Line of Credit, Mortgage) or Commercial Loan (excluding Equipment Finance Loans).
Multiple accounts within the same product grouping will count as only one.
2 In order to qualify for the Relationship Rates, the primary or joint owner on the Relationship Money Market must also be a primary or joint owner on a Hometown Checking Premium account. If you do not have a qualifying checking account or there are changes to your checking account (it is closed, changed to a new account type or no longer shares an owner with the Relationship Money Market), the rates may change to the non-relationship rates in effect at the time of the change.
3 The Relationship Money Market will earn the Non-Relationship rates on any day that you do not have a qualifying Hometown Checking Premium account as described in footnote 2.
CD Rates: In branch only rates below. Online account opening rates may differ and are quoted at the time of account opening.
The Annual Percentage Yield (APY) is accurate as of 4/27/2026. Rates are subject to change at any time.
Term
|
Minimum Deposit to Open
|
Minimum Balance to Obtain APY
|
Interest Rate
|
APY
|
|---|---|---|---|---|
90 - 181 Day CD
|
$2,500
|
$0.01
|
0.05%
|
0.05%
|
182 - 364 Day CD
|
$2,500
|
$0.01
|
0.05%
|
0.05%
|
12 Month CD
|
$500
|
$0.01
|
0.05%
|
0.05%
|
18 Month CD
|
$500
|
$0.01
|
0.05%
|
0.05%
|
24 Month CD
|
$500
|
$0.01
|
0.10%
|
0.10%
|
30 Month CD
|
$500
|
$0.01
|
0.15%
|
0.15%
|
36 Month CD
|
$500
|
$0.01
|
0.15%
|
0.15%
|
48 Month CD
|
$500
|
$0.01
|
0.15%
|
0.15%
|
60 Month CD
|
$500
|
$0.01
|
0.20%
|
0.20%
|
The interest rate and corresponding APY for Certificate of Deposit rates (CDs) are fixed for the term of the certificate. Fees may reduce earnings. Time Deposits require a substantial interest penalty for early withdrawal. Please refer to the Deposit Account Agreement and Disclosure provided at account opening for further information.
FOR PERSONAL AND BUSINESS ACCOUNTS UNDER $100,000 ONLY. Not valid for institutional investors.
IRA Rates: In branch only rates below. Online account opening rates may differ and are quoted at the time of account opening.
The Annual Percentage Yield (APY) is accurate as of 4/27/2026. Rates are subject to change at any time.
Term
|
Minimum Balance to Open
|
Minimum Balance to Obtain APY
|
Interest Rate
|
APY
|
|---|---|---|---|---|
90 - 181 Day CD1
|
$500
|
$0.01
|
0.05%
|
0.05%
|
182 - 364 Day CD1
|
$500
|
$0.01
|
0.05%
|
0.05%
|
12 Month CD2
|
$500
|
$0.01
|
0.05%
|
0.05%
|
18 Month CD2
|
$500
|
$0.01
|
0.05%
|
0.05%
|
24 Month CD2
|
$500
|
$0.01
|
0.10%
|
0.10%
|
30 Month CD2
|
$500
|
$0.01
|
0.15%
|
0.15%
|
36 Month CD2
|
$500
|
$0.01
|
0.15%
|
0.15%
|
48 Month CD2
|
$500
|
$0.01
|
0.15%
|
0.15%
|
60 Month CD2
|
$500
|
$0.01
|
0.20%
|
0.20%
|
IRA Savings: Traditional, Roth and CESA
|
$25
|
$0.01
|
0.05%
|
0.05%
|
1 Traditional IRA Only
2 Traditional IRA, Roth IRA and Coverdell Education Savings Account (CESA)
The interest rate and corresponding APY for IRA/CDs are fixed for the term of the certificate. The interest rate and corresponding APY for IRA Savings are variable and may change after the account is opened. Maximum annual contribution limits apply to IRAs and withdrawals from Traditional and Roth IRAs prior to age 59 1/2 may be subject to early withdrawal IRS penalties. Fees may reduce earnings. Time Deposits require a substantial interest penalty for early withdrawal. Please refer to the Deposit Account Agreement and Disclosure provided at account opening for further information.
FOR PERSONAL ACCOUNTS UNDER $100,000 ONLY.
Ready to buy or refinance?
|
|---|
We would love to provide a customized quote so you can buy or refinance with confidence. Call us today at 724-719-3770 or answer a few questions on this Online Form.
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