Savings Accounts First Central State Bank


  • 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



  • 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



  • 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 preauthorized, electronic, telephone or check withdrawals to six per month.



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



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



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