Embrace the golden colors of autumn with FCSB’s CD rates

Still up for grabs online or at your cozy local branch.

View CD Rates

Earn and Learn: Young Savers Account

Start Earning: 4.75% APY* on your account balance of $25,000. Learn more here

Earn and Learn

FCSB Reports Q2 2024 Performance Results!

Second Quarter 2024 Net Income of $1.2 million. Read the details here.

View Performance Highlights

SBA Loan Programs at FCSB!

FCSB is partnered with the U.S. Small Business Administration to provide SBA loans to small business owners looking to start or expand their companies.

Learn more about SBA loans

Whoā€™s got time every day to check on bank accounts?

Be the first to know about a change in your account with online and mobile account alerts.

Learn More

$1 Billion and Counting! FCSB Celebrates a Momentous Milestone in Loan Originations

View the full story here.

Read

Tips to Avoid Mail Theft & Check Fraud

Check fraud is everywhere, and that’s not okay. We have to do something about it.

Protect

Commercial Lending

We design our Commercial Real Estate Loan products to help investors pursue their dreams ā€” and make dreams a reality.

What is your goal? Weā€™ll help you achieve it.

Business Development Officers

Connected, innovative, and future-focused for business growth.

Connect now

Career Opportunities at FCSB

Join our team.

Apply Now

Understanding Phishing Scams

FCSB will never contact you directly for your account numbers, passwords, or other personal sensitive information by phone, email, or text.

Learn More

Business Mobile

Enjoy a seamless mobile experience designed exclusively for access to your FCSB business accounts.

Out of office? Stay in control of your company finances.

Weā€™re here to help you spend & save smarter.

FCSB circle logo with white letters F, C, S, and B, with black background, and gold trim. Telephone Icon above circle logo to indicate phone numbers.

Get In Touch! Your One-Stop Banking Solution Awaits at Our Welcoming Branches.

Ready to assist you with any issue, no matter how big or small.

 

Business Loans, Lending, & Solutions

Transform Your Business into a Superpower! Discover custom loan and lending options with our dynamic Business Development Team, dedicated to boosting your growth and championing local success.

Cybersecurity Resource Hub

Boost Your Financial Security: Uncover Vital Tips for Safe Banking Online, Fraud Prevention, and More.

Stress Free Online Banking

Bank on Your Schedule with Round-the-Clock Online Access and Mobile Deposit Features, Courtesy of FCSB Mobile Apps.

You can open eCDs online in minutes!

Unleash the Timeless Beauty of Saving with our CD Accounts. We believe in keeping things simple and smart, just like the good old days. Opening and managing your CD account is a breeze, so you can focus on dreaming about that well-deserved vacation.

READ MORE

Over 25 years of banking with purpose

Since 1999: Neighbor, Friend, and Trusted Financial Partnerā€”

Banking the Way It Used to Be, Only Better. At First Central Savings Bank (or as the community knows us, FCSB,) we’re more than just your local bank; we’re your long-time friend and neighbor.
Since opening our doors on April 5th, 1999, we’ve dedicated ourselves to supporting your financial health with heartwarming dedication and personal support.

 

Our unique blend of nostalgic service with cutting-edge banking solutions ensures every encounter builds deeper connections, not just transactions.

Come grow with us as we respect our local roots and look forward to a vibrant, shared future. Join our community today and experience banking that feels like family, with all the modern perks.

Voices from Our Community: Hear What Our Friends Say

Thank you for all the days and all the ways your smile welcomes us in an otherwise “unfriendly” world. You are one of the few things we can “bank on” to lift our spirits and carry on.

FCSB Client

You made opening accounts so easy and seamless. I will be singing your praises to all my friends and family!

FCSB Client

but equally important was his consistent manner in doing what he said was ‘just doing his job.’Ā  I sincerely wish more people were like him ‘just doing his job’. It is such an asset to your bank.

FCSB Client

I appreciate your sincerity, support, patience, and the nice conversations we had.

FCSB Client

I wanted to make you aware that you have an outstanding employee working at your branch that we were lucky to deal with. She was most helpful. She took the time to explain the process of how she personally would take care of whatever needed to be done, and ensuring she would send us the funds

FCSB Client

It is with pleasure that I inform you of my positive experiences at the Forest Hills branch of First Central Savings Bank.

FCSB Client

The team in Flushing is simply amazing and treats me with such kindness!

FCSB Client

I am a customer of your bank and on various occasions, I have had the fortune of having him assist me with several banking issues. Each time he has not only been helpful, informative, knowledgeable, and most importantly, patient, but he has left the door open should it become necessary to contact him again.

FCSB Client

We are senior citizens and opening this was very stressful for us. She was very calming and knowledgeable. Even though I sent her many emails, many asking the same questions, she responded in a thoughtful and timely manner.

FCSB Client

It was nice to chat with you last week. Thank you for….being you!

FCSB Client

I want to take a moment to tell you about the wonderful service I have received from my local Lynbrook branch…

FCSB Client

There's more to you than banking

Discover Personalized Loan Options and Say Hello to Your Bright Future

Your Dreams are Within Reach!

a blue business loan button on a keyboard.

From small business loansĀ to lines of credit, business banking to merchant services, contact one of our Business Development Officers today for friendly and personalized service.

Start Here

a house keychain sitting on top of a piece of paper.

FCSB is proud to offer unique mortgage products that provide qualified applicants with options toĀ purchaseĀ orĀ refinanceĀ 1-4 family owner-occupied or investment dwellings.

Connect for Residential Lending

An example picture of three people looking at a construction site of a building to show what commercial loans can be used for.

FCSB offers flexible commercial loans to help you achieve your financial goals, including options to expand your real estate portfolio through purchasing or refinancing.

Connect for Commercial Real Estate

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Our experienced lending professionals get to know you and your business so that we can structure the best financing for your business goals.

Connect for Business Loans

a group of people putting pieces of a puzzle together.

FCSB is partnered with the U.S. Small Business Administration to provide SBA loans to small business owners looking to start or expand their companies.

Connect for SBA Loans

PUZZLED?

Switching your accounts to us is quick and easy. Speak to one of our Bankers Today!

Locations, Phone, and Branch Hours

ONLINE BANKING

No lines and open hours. Bank wherever and whenever you want.

Bank anywhere, anytime

CALCULATORS

Our online calculators are easy-to-use and will help you solve some common financial problems.

Calculators