First Central Savings Bank

Overview / Commentary
70 Glen Street
Glen Cove, NY 11542

Since April 5th, 1999, First Central Savings Bank has grown from a simple concept to what they are today, a vibrant thriving community bank of which all can be proud. The Bank’s goal was and still is to fill a void in the big bank mentality, by providing good old-fashioned personal service with a smile, a throw-back to the days of hospitality and good manners that we were all raised on, something which almost does not exist anymore in banking.

Reviews (1)

Registration For Online CD Requires In-Person Visit

First Central Savings Bank is a work in progress. I was attracted by their new 24m CD rate. After poking around their (very colorful) website, I called 866-400-8674. A real person eventually picked up and politely told me to call any of the branches listed. I did. The branch representative advised me that their online capability to open a CD was not yet available. He said I must visit a branch to register a new account. That's a 1000 mile round trip for me. Their rate wasn't THAT good.


Health Grade Components

FDIC Certificate #34969
Year Established1999
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.83%
Return on Equity - YTD9.83%
Annual Interest Income$39.7MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$953.6MM$889.7MM
LoansQ3 2023vs Q3 2022$814.3MM$746.9MM
DepositsQ3 2023vs Q3 2022$838.4MM$763.1MM
Equity CapitalQ3 2023vs Q3 2022$81.7MM$74.5MM
Loan Loss AllowanceQ3 2023vs Q3 2022$8.2MM$7.6MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$4.2MM$4.6MM
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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First Central Savings Bank CD Rates

5.30%$500-6 Month CD (In-Branch)
5.30%$500-6 Month eCD (Online Only)
5.25%$500-7 Month CD (In-Branch)
5.25%$500-7 Month eCD (Online Only)
5.15%$500-9 Month CD (In-Branch)
5.15%$500-9 Month eCD (Online Only)
5.00%$500-10 Month CD (In-Branch)
5.00%$500-12 Month CD (In-Branch)
5.00%$500-12 Month eCD (Online Only)
5.00%$500-10 Month eCD (Online Only)
5.00%$500-11 Month CD (In-Branch)
5.00%$500-11 Month eCD (Online Only)
4.85%$500-14 Month CD (In-Branch)
4.85%$500-14 Month eCD (Online Only)
4.60%$500-15 Month CD (In-Branch)
4.60%$500-15 Month eCD (Online Only)
4.50%$500-17 Month CD (In-Branch)
4.50%$500-17 Month eCD (Online Only)
3.56%$500-22 Month CD (In-Branch)
3.56%$500-22 Month eCD (Online Only)
3.25%$500-18 Month CD (In-Branch)
3.25%$500-18 Month eCD (Online Only)
3.05%$500-24 Month CD (In-Branch)
3.05%$500-24 Month eCD (Online Only)
2.84%$500-36 Month CD (In-Branch)
2.84%$500-36 Month eCD (Online Only)
2.79%$500-3 Month CD (In-Branch)
2.79%$500-3 Month eCD (Online Only)
2.74%$500-60 Month CD (In-Branch)
2.74%$500-60 Month eCD (Online Only)
2.69%$500-84 Month CD (In-Branch)
2.69%$500-84 Month eCD (Online Only)
2.53%$500-48 Month CD (In-Branch)
2.53%$500-30 Month CD (In-Branch)
2.53%$500-30 Month eCD (Online Only)
2.53%$500-48 Month eCD (Online Only)

Cities: Astoria, Bayside, Flushing, Forest Hills, Glen Cove, Lynbrook, Ridgewood, Whitestone

Astoria Branches
Astoria Branch35-01 30th AvenueAstoria, NY 11103
Ditmars Branch37-28 Ditmars BoulevardAstoria, NY 11105

Bayside Branches
Bell Boulevard Branch42-12 Bell BoulevardBayside, NY 11361

Flushing Branches
Main Street Branch72-76 Main StreetFlushing, NY 11367

Forest Hills Branches
Forest Hills Branch71-66 Austin StreetForest Hills, NY 11375

Glen Cove Branches
First Central Savings Bank70 Glen StGlen Cove, NY 11542
Glen Cove Branch70 Glen StreetGlen Cove, NY 11542

Lynbrook Branches
Lynbrook Branch303 Merrick RdLynbrook, NY 11563

Ridgewood Branches
Ridgewood Branch58-02 Myrtle AvenueRidgewood, NY 11385

Whitestone Branches
Whitestone Branch19-19 Francis Lewis BlvdWhitestone, NY 11357

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