Get a $750 Welcome Deposit for eligible new customers who open an 
Find new promotions and offers from First Central Direct for their Money Market and Certificate of Deposit accounts here.
First Central Direct is the online division of First Central Savings Bank of New York. First Central Savings Bank was established in 1999 and serves as a community bank in the New York area. Operating online, First Central Direct can offer better rates for their Money Market and CD Accounts.
First Central Direct Money Market Offer
Competitive rates from First Central Direct
First Central Direct’s online E-Premier Money Market account offers competitive interest rates with a $10,000 minimum opening deposit.
- You’ll have access to 31,000 surcharge free ATM’s worldwide (Allpoint).
- You’ll have access to mobile banking and mobile deposits.
- The FCSB Debit Card comes with zero liability for unauthorized transactions.
- Interest rates are tiered.
- Minimum opening deposit is 10,000.
- There’s a Monthly Fee of $10 when your daily balance falls below $10,000.
- Online/mobile account access and online statements.
- You’ll have check writing privileges also.
- Rates are as follows:
| Account Balance | APY Rate | Minimum Balance Requirement |
| $0 to $9,999.99 | 0.00% | $10,000 |
| $10,000 to $24,999.99 | 0.35% | $10,000 |
| $25,000 to $49,999.99 | 0.55% | $10,000 |
| $50,000+ | 1.09% | $10,000 |
Compare To These Money Market Accounts:
Some popular money market accounts include those from CIT Bank and BBVA Compass Bank. HSBC Direct also have a popular online Savings account. See all the top rates at our Money Market Rates Page. You might also be interested in Savings Accounts bonus offers.
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First Central Direct CD Offer
First Central Direct has online Certificate of Deposit terms from 12 months to 60 months with decent rates. Find better rates nationwide at our CD Accounts page.
- CD terms available from 12 months to 60 months
- $500 minimum to open an account
- The interest is compounded daily and credited monthly or at the CD maturity
- CD accounts will renew automatically at maturity
- Current rates (*Consistently updated, but always check directly with the bank)
| CD Term | APY Rate | Minimum Balance Required |
| 12 Month | 0.95% | $500 |
| 24 Month | 1.15% | $500 |
| 30 Month | 2.33% | $500 |
| 36 Month | 2.53% | $500 |
| 60 Month | 2.84% | $500 |
Compare With CD Accounts From These Banks:
Popular CD Accounts include those from BBVA Compass and CIT Bank. See them all on our CD Accounts Page.
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