Business moves fast, but with a First Guaranty Bank Business Visa Credit Card you’ll be ready for just about anything. Enjoy purchasing power and shopping convenience at millions of locations around the world; all with the security of knowing your personal information will be handled locally at a FGB branch.
Credit limit:
- Minimum: $500
- Maximum: $30,000
To report a lost or stolen card: 1.800.325.3678
To dispute charges on your card: 1.800.600.5249
Manage your card, pay your bill, check your statement:
When you use the FGB Visa® Business Credit Card for purchases of goods or services, the following benefits are yours!
Travel Accident Insurance*
You, your spouse and dependent children up to age 19 (age 25 if a full-time student at any institute of higher learning) are automatically covered with common carrier travel accident insurance — every time you travel by air, bus, train, ship, taxi, or any other common carrier anywhere in the world when you charge your entire fare to our card. This coverage is provided to you at no extra cost.
ScoreCard Rewards
Earn points for every net retail purchase you make with our FGB Visa® Business Credit Card! You can redeem points for brand name merchandise, exciting travel rewards as well as convert your points to cash.
Visit www.scorecardrewards.com and browse the current reward selections. You’ll be amazed at what ScoreCard® has to offer! To find out how the plan works, ask one of our friendly representatives.
Summary of Terms
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Interest Rates and Interest Charges |
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Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances$ |
FGB Visa® Business Card 18.24% This APR will vary with the market based on the Wall Street Journal (WSJ) Prime Rate. |
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Paying Interest |
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the posting date. |
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For Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau |
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Fees |
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Set-up and Maintenance Fees • Annual Fee |
$40 |
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Transaction Fees • Cash Advance
• Foreign Transaction |
4% of the amount of each transaction
1% of each transaction in U. S. dollars |
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Penalty Fees • Late Payment • Returned Payment |
$8 $25 |
How we will Calculate Your Balance: We use a method called “average daily balance (including new purchases)’’. See your Credit Card Agreement for further information regarding how we calculate your balance.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided on your monthly statement.
Information contained in this First Guaranty Bank Disclosure is accurate as of 12/22/2025 and is subject to change thereafter. To obtain more recent information, please call us at 1 (888) 375-3093.
How We Will Calculate Your Variable APRs: We calculate variable APRs by adding a margin to the U.S. Prime Rate published in the Wall Street Journal on the 25th day of each month. If the Journal is not published on that day, then we will use the immediately preceding edition. If the Prime Rate changes, your new rate will take effect on your next billing cycle. The APR may increase or decrease each month if the Prime Rate changes. If the APR increases, you will pay a higher interest charge and may pay a higher minimum payment. The Prime Rate is simply a reference index. If the Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate.
Prime Rate: Variable APRs are based on the 6.75% Prime Rate as of December 22, 2025.
Purchase APR: For Purchase transactions, we add a Margin of 11.49% to the Prime Rate. The Purchase APR may increase or decrease each month if the Prime Rate changes but will not exceed the maximum rate of 24.00%.
Cash APR: For cash transactions, we add a Margin of 11.49% to the Prime Rate. The Cash APR may increase or decrease each month if the Prime Rate changes but will not exceed the maximum rate of 24.00%.
*Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank Affiliate.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
FGB Interest Checking Account
| FGB Interest Checking Account1 | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| $5,000.00 | |||
| Balances less than $5,000.00 | 0.00% | 0.00% | |
| Balances $5,000.00 or more | 0.45% | 0.45% |
Fixed Rate CDs
| Term | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| 30 Day | 2.70% | 2.70% | $500.00 |
| 90 Day | 2.70% | 2.70% | $500.00 |
| 6 Month | 2.70% | 2.70% | $500.00 |
| 1 Year | 2.55% | 2.55% | $500.00 |
| 18 Month | 2.60% | 2.60% | $500.00 |
| 2 Year | 2.75% |
2.75% |
$500.00 |
| 3 Year | 2.75% | 2.75% | $500.00 |
| 4 Year | 2.85% | 2.85% | $500.00 |
| 5 Year | 2.95% | 2.95% | $500.00 |
| 6 Year | 2.95% | 2.95% | $500.00 |
| 7 Year | 2.95% | 2.95% | $500.00 |
| 8 Year | 2.95% | 2.95% | $500.00 |
Health Savings Account
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Health Savings Account1 |
Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| $100.00 | |||
| Balances less than $1,500 | 0.05% | 0.05% | |
| Balances $1,500 – $99,999 | 0.07% | 0.07% | |
| Balances $100,000 – $999,999 | 0.12% | 0.12% | |
| Balances greater than $1,000,000 | 0.30% | 0.30% |
Hero Checking Account
| Hero Checking Account1 | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| $25.00 | |||
| Balances less than $5,000.00 | 2.25% | 2.27% | |
| Balances $5,000.00 or more | 0.05% | Range from 2.27% to 0.05% |
Individual Retirement Accounts (IRAs)
| Term | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| 6 Month | 2.70% | 2.70% | $500.00 |
| 1 Year | 2.55% | 2.55% | $500.00 |
| 18 Month | 2.60% |
2.60% |
$500.00 |
| 2 Year | 2.75% | 2.75% | $500.00 |
| 3 Year | 2.75% | 2.75% | $500.00 |
| 4 Year | 2.85% | 2.85% | $500.00 |
| 5 Year | 2.95% | 2.95% | $500.00 |
| 6 Year | 2.95% | 2.95% | $500.00 |
| 7 Year | 2.95% | 2.95% | $500.00 |
| 8 Year | 2.95% | 2.95% | $500.00 |
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Money Market Accounts
| Guaranty Money Market1 | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| (Personal or Business) | $1,500.00 | ||
| Balances less than $1,500 | 0.00% | 0.00% | |
| Balances $1,500 – $99,999 | 0.05% | 0.05% | |
| Balances $100,000 – $999,999 | 0.15% | 0.15% | |
| Balances greater than $1,000,000 | 0.35% | 0.35% |
Savings Accounts
| Account Type | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| Regular Savings1 | 0.05% | 0.05% | $100.00 |
| Christmas Club Savings1 | 0.05% | 0.05% | $5.00 |
| Business Savings1 | 0.05% | 0.05% | $100.00 |
Savings Elite
| Account Type | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
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$25,000.00 | ||
| Balances less than $25,000.00 | 0.05% | 0.05% | |
| Balances $25,000.00 or more | 2.50% | 2.53% |
Sole Prop./Non-Profit Now
| Business Accounts Sole Prop./Non-Profit Now1 |
Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| $100.00 | |||
| Balances less than $1,500 | 0.05% | 0.05% | |
| Balances $1,500 – $99,999 | 0.07% | 0.07% | |
| Balances $100,000 – $999,999 | 0.12% | 0.12% | |
| Balances greater than $1,000,000 | 0.30% | 0.30% |