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Deposit Rates
Rates Effective for all First Central Savings Bank Branches From February 1, 2012
Savings
|
| Account Type |
Rate |
Annual Percentage Yield (APY) |
Minimum Balance Requirement |
| Passbook Savings |
0.50% |
0.50% |
$250.00 |
| Statement Savings |
0.50% |
0.50% |
$250.00 |
| Young Savers |
0.50% |
0.50% |
$25.00 |
| Holiday Savings |
0.50% |
0.50% |
$10.00 |
Easy Savings Passbook
(This account only available in the Ridgewood and Sunnyside branches) |
0.50% |
0.50% |
$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 |
0.50% |
0.50% |
$500.00 |
| $100,000.00 and above |
0.75% |
0.75% |
$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 |
0.35% |
0.35% |
$500.00 |
| Magellan Statement Savings |
|
|
|
| $0.00 to $499.99 |
0.00% |
0.00% |
$500.00 |
| $500.00 to $49,999.99 |
0.35% |
0.35% |
$500.00 |
| $50,000.00 and above |
0.45% |
0.45% |
$500.00 |
| DaVinci Statement Savings |
|
|
|
| $0.00 to $499.99 |
0.00% |
0.00% |
$500.00 |
| $500.00 to $99,999.99 |
0.50% |
0.50% |
$500.00 |
| $100,000.00 and above |
0.75% |
0.75% |
$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 |
0.30% |
0.30% |
$500.00 |
| $25,000.00 to $49,999.99 |
0.40% |
0.40% |
$500.00 |
| $50,000.00 to $249,999.99 |
0.50% |
0.50% |
$500.00 |
| $250,000.00 and above |
0.85% |
0.85% |
$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 |
0.35% |
0.35% |
$500.00 |
| 6 Month |
0.40% |
0.40% |
$500.00 |
| 9 Month |
0.55% |
0.55% |
$500.00 |
| 10 Month |
0.60% |
0.60% |
$500.00 |
| 12 Month |
0.70% |
0.70% |
$500.00 |
| 14 Month |
0.75% |
0.75% |
$500.00 |
| 18 Month |
0.95% |
0.95% |
$500.00 |
| 24 Month |
1.25% |
1.26% |
$500.00 |
| 36 Month |
1.64% |
1.65% |
$500.00 |
| 48 Month |
1.78% |
1.80% |
$500.00 |
| 60 Month |
2.03% |
2.05% |
$500.00 |
| 72 Month |
1.93% |
1.95% |
$500.00 |
| 84 Month |
2.08% |
2.10% |
$500.00 |
| *Certificate of Deposits-A penalty may be imposed for early withdrawal. |
| All maturing Certificates of Deposit will renew at the IN-HOUSE RATES;however, Promotional rates are available only for customers who visit their branch. |
| Call your branch for promotional rates. |
Personal Checking
|
| Account Type |
Rate |
Annual Percentage Yield (APY) |
Minimum Balance Requirement |
| NOW Checking |
0.25% |
0.25% |
$500.00 |
| Senior NOW Checking |
0.25% |
0.25% |
$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. |
Contact us toll free at 1-866-400-FCSB (3272)
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