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Savings Accounts

Personalized Options When Every Penny Counts

With multiple savings options, find the one that is best suited for you and your financial needs. There are ample ways to grow with First Central State Bank.  

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  • Kasasa Saver

    Get paid to bank with us! Each month you earn cash rewards in your Kasasa® checking, those earnings automatically transfer into your Kasasa Saver account.


    • Free account  
    • Linked to free Kasasa Cash or Kasasa Cash Back account 
    • Automatic transfers make savings simple 
    • 0.50% APY* on balances up to $35,000 
    • 0.50% to 0.27% APY on balances over $35,000 depending on balance in account* 
    • 0.05% APY* if eligibility requirements are not met on Kasasa Cash or Kasasa Cash Back 
    • No monthly service fee 
    • No minimum balance to earn rewards 
    • Free online and mobile banking 
    • Free eStatements, required 
    • A deposit is required to open account 

    Eligibility Requirements

    • Have at least 10 debit card purchases posted and settled to your account 
    • Have at least 1 direct deposit or ACH Auto Debit posted and settled 
    • Receive your monthly statement electronically 


    * See Disclaimer

    2023 Qualification Cycle

  • Savings Account

    Variable interest rate savings account for anyone who wants to  save money, without the fuss. 


    • No fee with a $100.00 monthly minimum balance ($5/month if balance falls below $100.00. Students age 22 and younger are exempt.) 
    • Four withdrawals/month free; $1/withdrawal thereafter 
    • Variable interest rate computed on the daily collected balance and credited monthly 
    • Minimum initial deposit:  $100.00 
    • Quarterly statements
  • Packy Panda Kids Club

    Designed for children and students 10 years old and younger.


    • No minimum deposit & no required balance
    • Savings club for age 10 and younger
    • Free gift at account opening
    • Special events
    • Birthday acknowledged with birthday card
    • Variable interest rate computed on the daily collected balance
    • Packy Panda Bear with first $100 deposit
  • Investor's Advantage Money Market Account

    Variable Interest Rate Money Market Account.


    • Variable interest rate computed on the daily collected balances and paid monthly
    • No monthly fee with a $2,500.00 minimum daily balance. A $10.00 monthly maintenance fee if balance requirements are not met
    • Minimum initial deposit: $2,500.00
  • Certificate of Deposit

    A safe, guaranteed return on your investment makes our CDs a great option to help you save for the future.


    • Minimum deposit $1,000 
    • Flexible maturities from 6 months to 5 years 
  • CDARS - The Certificate of Deposit Account Registry Service

    CDARS is the most convenient way to access FDIC insurance on CD deposits and to earn CD-level rates. 

  • IRA | Retirement | College Savings


    Roth IRAs allow after-tax dollars to be saved for retirement. Simply satisfy the 5 year waiting period and have a qualifying event (such as attaining the age of 59 1/2) and all withdrawals (contributions and earnings) are tax free. 


    Traditional IRAs offer immediate tax benefits with qualified contributions being tax deductible. Distributions are taxable, but penalty free after age 59 1/2. 


    A beneficial non-deductible account that features tax-free withdrawals for the specific purpose of a child’s higher education expenses. 

    SEP (Simplified Employee Pension) 

    A retirement investment plan primarily developed to assist small business owners and farmers with retirement plans for themselves and their employees. 

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. 


Josie Hartman, First Central State Bank

Josie Hartman

Tammy Harvey Clinton N Second Street

Tammy Harvey

Amanda Horst, First Central State Bank

Amanda Horst

Laura Howard Clinton North Second Street

Laura Howard


Erika Driscoll, First Central State Bank

Erika Driscoll

Gwen Galloway, First Central State Bank

Gwen Galloway

Tammy Laursen, First Central State Bank

Tammy Laursen


Ohnward blank photo

Lucy Crowe

Regan Iams, First Central State Bank

Regan Iams

Brandi Lord Eldridge

Brandi Lord

Wanda Ward Eldridge

Wanda Ward

Goose Lake

Carrie Kash, First Central State Bank

Carrie Kash

Michelle Mayer, First Central State Bank

Michelle Meyer


Alyssa Skahill, First Central State Bank

Alyssa Skahill