We’ve got a Certificate of Deposit that’s right for everyone.

Open Online for Personal eCDs | In-Person for Personal & Business CDs

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Welcome Home to Financial Peace of Mind

In a world of uncertainties, First Central Savings Bank stands as your beacon of stability & trust.

Our CDs, online and in-person, provide secure growth and a genuine connection that goes beyond banking - a return to heartfelt service & support.

Discover a transparent world at FCSB: No hidden fees, plus personalized service, & guaranteed growth – even in tough economic times.

Exceptional CD Rates!

9 or 12-Month CD

4.00 % APY*

10, 11, 14-Month CD

3.90 % APY*

6, 7, 18-Month CD

3.85 % APY*

24-Month CD

3.70 % APY*

Features with Every Account:

Daily Compounding Interest 

Automatic Maturity Renewals

Guaranteed Fixed Returns

*Certificate of Deposit (CD): The Annual Percentage Yields (APY’s) are effective as of 12/16/2024 and subject to change at any time. To earn the APY, the account must be opened with and maintain a minimum balance of $500. Stated APY assumes principal and interest remain on deposit for the term of the CD. Early withdrawal penalties apply. Fees may reduce earnings. Terms and conditions apply. No brokered deposits accepted.

Join Our Community of Neighbors and Friends

as we embark on a journey towards a brighter financial future together!

Open Online for Personal eCDs or In-Person for Both Personal & Business CDs

Start Your eCD and CD Journey Today! Easily open a personal eCD online and tailor your banking to your lifestyle. Interested in business CDs? Visit us in person for all your banking needs. Together, let’s navigate towards financial success!

 

 

 

 

 

Discover Rates, Open Online, or Request Quote

• In-Branch Rates. •

Certificate of Deposit Term* Annual Percentage
Yield (APY)
% Interest
Rate
Minimum
Balance to Open
Minimum Balance
Requirement
Available 
3 Months3.253.20500500In-Branch
6 Months3.853.78500500In-Branch
7 Months3.853.78500500In-Branch
9 Months4.003.92500500In-Branch
10 Months3.903.83500500In-Branch
11 Months3.903.83500500In-Branch
12 Months4.003.92500500In-Branch
14 Months3.903.83500500In-Branch
15 Months3.603.54500500In-Branch
17 Months3.503.44500500In-Branch
18 Months 3.853.78500500In-Branch
22 Months3.603.54500500In-Branch
24 Months3.703.63500500In-Branch
30 Months3.503.44500500In-Branch
36 Months3.503.44500500In-Branch
48 Months3.503.44500500In-Branch
60 Months3.503.44500500In-Branch
84 Months3.503.44500500In-Branch

*Certificate of Deposit (CD): The Annual Percentage Yields (APY’s) are effective as of 12/16/2024 and subject to change at any time. To earn the APY, the account must be opened with and maintain a minimum balance of $500. Stated APY assumes principal and interest remain on deposit for the term of the CD. Early withdrawal penalties apply. Fees may reduce earnings. Terms and conditions apply. No brokered deposits accepted.

• eCD Rates Online. •

eCDs Terms available online*Annual Percentage
Yield (APY)
% Interest
Rate
Minimum
Balance to Open
Minimum Balance
Requirement
Available  
3 Months3.253.20500500eCD
6 Months3.853.78500500eCD
7 Months 3.853.78500500eCD
9 Months4.003.92500500eCD
10 Months3.903.83500500eCD
11-Months3.903.83500500eCD
12 Months4.003.92500500eCD
14 Months3.903.83500500eCD
15 Months3.603.54500500eCD
17 Months3.503.44500500eCD
18 Months 3.853.78500500eCD
22 Months3.603.54500500eCD
24 Months3.703.63500500eCD
30 Months3.503.44500500eCD
36 Months3.503.44500500eCD
48 Months3.503.44500500eCD
60 Months3.503.44500500eCD
84 Months3.503.44500500eCD

*E Certificate of Deposit (eCD): The Annual Percentage Yields (APY’s) are effective as of 12/16/2024 and subject to change at any time. To earn the APY, the account must be opened with and maintain a minimum balance of $500. Stated APY assumes principal and interest remain on deposit for the term of the CD. Early withdrawal penalties apply. Fees may reduce earnings. Terms and conditions apply. No brokered deposits accepted.