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 APYInterest Rate*Annual Percentage Yield (APY)*
$10,000.00 to $24,999.990.35%0.35%
$25,000.00 to $49,999.99 0.55%0.55%
$50,000.00 and above1.09%1.10%
 *E-Premier Money Market (eMM) effective as of 10/23/2018 – The rate is a variable rate and the rate on any tier may change after account opening. The annual percentage yield (APY) is accurate as of the effective date listed above. Daily Balances under $10,000 do not earn interest. Interest rates and terms are subject to change without notice. Fees may reduce earnings. These rates are for Online Accounts ONLY. In-Branch deposit rates may differ. For information on in-branch deposit rates, please contact a your local branch.


 

E-Certificate of Deposit (eCD)**

Enjoy flexible terms from 12 months to 84 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 TypeAnnual Percentage Yield (APY)**Interest Rate**Minimum Balance
12 Month2.02% 2.00%$500
24 Month2.12%2.10%$500
30 Month1.71%1.70%$500
36 Month1.71%1.70%$500
60 Month1.87%1.85%$500
 **E-Certificate of Deposit (eCD) effective as of 11/29/2019 – The interest rate and annual percentage yield (APY) on CDs will be the rate in effect when the CD is opened and shall remain in effect for the term of the CD. To earn the APY, the account must be opened with and maintain a minimum balance of $500.00. Early withdrawal penalties may apply. These rates are for Online Accounts ONLY. In-Branch deposit rates may differ. For information on in-branch deposit rates, please contact a your local branch.

Lost/Stolen ATM Card

If your ATM/Debit card is lost or stolen, contact your branch for a replacement. 24 Hour Card Member Service at 1-800-554-8969.

Open an eCD Online Today!Icon For: Rates

Term Rate APY
12-Month 2.00%** 2.02%**
24-Month 2.10%** 2.12%**
36-Month 1.70%** 1.71%**
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**See ALL Rates and Disclosures