Savings

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savings-account

  • No fee with a $100.00 monthly minimum balance ($5/month if balance falls below $100.00. Students age 22 and younger are exempt.)
  • Four withdrawals/month free;  $1/withdrawal exceeding four per month
  • Variable interest rate computed on the daily collected balance and credited monthly
  • Minimum initial deposit - $100.00
  • Quarterly statements

 

PackythePanda_Icon
packy

  • No minimum deposit & No required balance
  • Savings club for age 10 and under
  • Free gift at account opening
  • Special events
  • Birthday acknowledged with birthday card
  • Variable interest rate computed on the daily ledger balances
  • Packy Panda Bear with first $100 deposit

 

money_market_account

  • Variable interest rate computed on the daily collected balances and paid monthly
  • Unlimited deposits
  • No monthly fee with a $2,500.00 minimum daily balance. A $10.00 monthly maintenance fee if balance requirements are not met
  • Minimum initial deposit - $2,500.00

Unlimited withdrawals may be made by mail, in person and thru an ATM.  Federal regulations limit checks or preauthorized, electronic or telephone withdrawals to (6) per month.

certificate_of_deposit

Certificate of Deposit (CD’s) are a fixed rate, safe, secure deposit. The safety of the deposit is supported by the strong capital of First Central State Bank in addition to providing FDIC insurance.

  • Flexible maturities from 6 months to 5 years
  • Interest compounded and credited semi-annually

 

cdars

First Central State Bank participate in the CDARS program, allowing you to enjoy full FDIC insurance on deposit amounts that exceed current FDIC limits.  Ask a customer service representative for more details