First Central Direct
Opening an online account with us will only take 10 minutes. Here are some of the account features you can enjoy:
- Free Online Banking and Bill pay access.
- Free Mobile Banking and Mobile Deposits¹.
- FCSB Debit Card with zero liability for unauthorized transactions.
¹Your carrier’s standard text/data rates may apply.
E-Premier Money Market Account (eMM)*
Enjoy competitive, tiered interest rates with 10,000 minimum opening deposit.
- Online and Mobile Banking-secure access to your account from anywhere.
- Monthly fee of $10.00 assessed when daily balance falls below $10,000.
- Surcharge free ATM access for First Central owned and Allpoint ATMs.
| Minimum Balance to Open and Earn APY | Interest Rate* | Annual Percentage Yield (APY)* |
|---|---|---|
| $10,000.00 to $24,999.99 | 0.35% | 0.35% |
| $25,000.00 to $49,999.99 | 0.55% | 0.55% |
| $50,000.00 and above | 1.09% | 1.10% |
E-Certificate of Deposit (eCD)**
Enjoy flexible terms from 12 months to 60 months with 500.00 minimum opening deposit.
- Interest is compounded daily and credited monthly or at maturity to your account
- Online and Mobile Banking-secure access to your account from anywhere.
- Convenience of automatic renewals
| Account Type | Interest Rate** | Annual Percentage Yield (APY)** | Minimum Balance |
|---|---|---|---|
| 60 Month | 2.50% | 2.53% | $500 |
| 36 Month | 2.40% | 2.43% | $500 |
| 30 Month | 2.30% | 2.33% | $500 |
| 24 Month | 1.14% | 1.15% | $500 |
| 12 Month | 0.95% | 0.95% | $500 |
