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Deposit Rates

Rates Effective for all First Central Savings Bank Branches From April 15, 2014
Savings
Account Type
Rate
Annual Percentage Yield (APY) Minimum Balance Requirement
Passbook Savings
0.25%
0.25%
$250.00
Statement Savings
0.25%
0.25%
$250.00
Young Savers
0.25%
0.25%
$25.00
Holiday Savings
0.20%
0.20%
$10.00
Easy Savings Passbook
(This account only available in the Ridgewood and Sunnyside branches)
0.25%
0.25%
$75.00
Rates and terms are subject to change without notice 
Fees may reduce earnings 
 


SAVINGS - TIERED PRODUCTS
Account Type
Rate
Annual Percentage Yield (APY) Minimum Balance Requirement
Jumbo Passbook Savings
$0.00 to $499.99 0.00% 0.00% $500.00
$500.00 to $99,999.99 0.25% 0.25% $500.00
$100,000.00 and above 0.50% 0.50% $500.00
Supreme Statement Savings
$0.00 to $499.99 0.00% 0.00% $500.00
$500.00 to $14,999.99 0.25% 0.25% $500.00
$15,000.00 and above 0.40% 0.40% $500.00
Magellan Statement Savings
$0.00 to $499.99 0.00% 0.00% $500.00
$500.00 to $49,999.99 0.25% 0.25% $500.00
$50,000.00 and above 0.40% 0.40% $500.00
DaVinci Statement Savings
$0.00 to $499.99 0.00% 0.00% $500.00
$500.00 to $99,999.99 0.25% 0.25% $500.00
$100,000.00 and above 0.50% 0.50% $500.00
Rates and terms are subject to change without notice 
Fees may reduce earnings 


Money Market Account
Balance Tiers
Rate
Annual Percentage Yield (APY) Minimum Balance Requirement
$0.00 to $499.99
0.00%
0.00%
$500.00
$500.00 to $24,999.99
0.25%
0.25%
$500.00
$25,000.00 to $49,999.99
0.30%
0.30%
$500.00
$50,000.00 to $249,999.99
0.40%
0.40%
$500.00
$250,000.00 and above
0.75%
0.75%
$500.00
Rates and terms are subject to change without notice. 
Fees may reduce earnings. 


Certificate of Deposit*
Term
Rate
Annual Percentage Yield (APY) Minimum Balance Requirement
3 Month
0.10%
0.10%
$500.00
6 Month
0.25%
0.25%
$500.00
9 Month
0.30%
0.30%
$500.00
10 Month
0.35%
0.35%
$500.00
12 Month
0.40%
0.40%
$500.00
14 Month
0.45%
0.45%
$500.00
18 Month
0.75%
0.75%
$500.00
24 Month
1.29%
1.30%
$500.00
36 Month
1.44%
1.45%
$500.00
48 Month
1.49%
1.50%
$500.00
60 Month
1.74%
1.75%
$500.00
72 Month
1.14%
1.15%
$500.00
84 Month
1.49%
1.50%
$500.00
*Certificate of Deposits-A penalty may be imposed for early withdrawal. 


Personal Checking
Account Type
Rate
Annual Percentage Yield (APY) Minimum Balance Requirement
NOW Checking
0.20%
0.20%
$500.00
Senior NOW Checking
0.20%
0.20%
$300.00
Fees charged on some accounts may reduce earnings 
Annual Percentage Yield assumes interest remains on deposit for one year with no withdrawals of principal or interest. 
Rates and terms are subject to change without notice 
* Penalty will be imposed for early withdrawal. 

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