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Business Savings

First Central State Bank savings accounts are designed for any business - of any size.

We are always here to help your business. We offer a variety of business savings accounts to fit your specific needs and offer online resources to help you manage them.

  • Certificate of Deposit Account Registry Services (CDARS)

    Using CDARS, First Central State Bank can provide customers — with CDs in excess of the current FDIC limits — access to additional insurance coverage by distributing customer funds among other FDIC-insured banks. All of this can be accomplished through one portfolio at First Central State Bank and without sharing confidential information with other banks

  • Certificates of Deposit

    Certificate of Deposit (CD's) are a fixed rate, safe, secure deposit.

    Benefits

    • Flexible maturities from 6 months to 5 years
    • Interest compounded and credited semi-annually
  • Premier Money Market

    Designed exclusively for sole-proprietors, non-profits, and government entities.

    Benefits

    • Tiered interest rate paid on entire balance based on account's collected balance
    • Minimum opening deposit of $2,500.00
    • Interest computed on the daily balance method
  • Daily Savings Account

    Benefits

    • Minimum opening deposit $100.00
    • Deposits can be made in person, by mail or directly deposited
  • Other Deposit Accounts

    Sweep Account

    Sweep Accounts are cash management accounts designed to provide a higher rate of interest on excess funds. Automatic transfers of funds in excess of the target amount are invested on a daily basis. The target balance in checking is not interest bearing.

    Repurchase Agreements & Repo Sweeps

    First Central State Bank offers the repurchase agreements as an alternative to certain sweep and investment products. Deposits under this agreement are not FDIC insured but are instead protected or collateralized by providing a security interest in a U.S. Treasury or Agency security owned by the bank.

By phone, email or in person, our First Central State Bank team will go the extra mile in helping you with your financial goals. Please visit or contact our team members listed below. Please do not send sensitive or personally identifiable information via unencrypted email to our team. It is not a secure way to send any information. Thank you.

Clinton

Josie Hartman, First Central State Bank

Josie Hartman
jhartman@firstcentralsb.com
563-242-2265

Tammy Harvey Clinton N Second Street

Tammy Harvey
tharvey@firstcentralsb.com
563-242-2265

Amanda Horst, First Central State Bank

Amanda Horst
ahorst@firstcentralsb.com
563-242-2265

Laura Howard Clinton North Second Street

Laura Howard
lhoward@firstcentralsb.com
563-242-2265

DeWitt

Erika Driscoll, First Central State Bank

Erika Driscoll
edriscoll@firstcentralsb.com
563-659-3141

Gwen Galloway, First Central State Bank

Gwen Galloway
ggalloway@firstcentralsb.com
563-659-3141

Tammy Laursen, First Central State Bank

Tammy Laursen
tlaursen@firstcentralsb.com
563-659-3141

KateLynn Simmons, First Central State Bank

KateLynn Simmons
ksimmons@firstcentralsb.com
563-659-3141

Eldridge

Regan Iams, First Central State Bank

Regan Iams
riams@firstcentralsb.com
563-285-2033

Brandi Lord Eldridge

Brandi Lord
blord@firstcentralsb.com
563-285-2033

Wanda Ward Eldridge

Wanda Ward
wward@firstcentralsb.com
563-285-2033

Goose Lake

Carrie Kash, First Central State Bank

Carrie Kash
ckash@firstcentralsb.com
563-577-2261

Michelle Mayer, First Central State Bank

Michelle Meyer
mmeyer@firstcentralsb.com
563-577-2261

LeClaire

Alyssa Skahill, First Central State Bank

Alyssa Skahill
askahill@firstcentralsb.com
563-289-2265