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  2. First Central Savings Bank

First Central Savings Bank


Overview / Commentary
www.firstcentralsavings.com
516-609-3500
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.

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Health
B+

Data as of Q1 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #34969
Year Established1999
Employees86
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD4.41%
Annual Interest Income$6.9MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$611.4MM$577.1MM
LoansQ1 2019vs Q1 2018$486.1MM$474.7MM
DepositsQ1 2019vs Q1 2018$543.3MM$509.2MM
Equity CapitalQ1 2019vs Q1 2018$55.7MM$55.0MM
Loan Loss AllowanceQ1 2019vs Q1 2018$6.1MM$11.3MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$7.3MM$1.1MM
Real Estate OwnedQ1 2019vs Q1 2018$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not First Central Savings Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Central Savings Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%$250-First Link Accounts w/ $1,000 minimum Checking Balance
1.60%$250-Business First Link Accounts w/ $1,000 minimum Checking Balance
1.50%*$150k*-Smart Consumer Money Market
OTHER TIERS: 1.00% → $2.5k - $150k
1.50%*$150k*-Smart Business Money Market
OTHER TIERS: 1.00% → $2.5k - $1.5m
1.10%*$50k*-E-Premier Money Market (Online Only)
OTHER TIERS: 0.35% → $10k - $25k | 0.55% → $25k - $50k

First Central Savings Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%$500-60 Month E-Certificate of Deposit (Online Only)
2.43%$500-36 Month E-Certificate of Deposit (Online Only)
2.33%$500-30 Month E-Certificate of Deposit (Online Only)
1.15%$500-24 Month E-Certificate of Deposit (Online Only)
0.95%$500-12 Month E-Certificate of Deposit (Online Only)
Locations


First Central Savings Bank Locations
Whitestone Branch19-19 Francis Lewis BlvdWhitestone, NY 11357
Astoria Branch35-01 30th AvenueAstoria, NY 11103
Ditmars Branch37-28 Ditmars BoulevardAstoria, NY 11105
Bell Boulevard Branch42-12 Bell BoulevardBayside, NY 11361
Ridgewood Branch58-02 Myrtle AvenueRidgewood, NY 11385
First Central Savings Bank70 Glen StreetGlen Cove, NY 11542
Forest Hills Branch71-66 Austin StreetForest Hills, NY 11375
Main Street Branch72-76 Main StreetFlushing, NY 11367

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