Establish a Savings Account to Achieve the Financial Goals of Your Future. 

Kasasa Saver
Save automatically with free Kasasa Saver®, a high-interest account that connects to your Kasasa® checking. Add free Kasasa Saver®, an account that connects to your equally free Kasasa Cash® or Kasasa Cash Back® checking account.

Each month you earn cash rewards in your Kasasa® checking, those earnings automatically transfer into your Kasasa Saver. There your balance earns 0.50% APY.* It's like we pay you to bank here!


  • Free account that builds your savings automatically
  • Linked to free Kasasa Cash or Kasasa Cash Back account
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
  • 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 banking
  • Free mobile banking
  • Free eStatements
  • Free telephone banking
  • A deposit is required to open account
  • Online eStatements are required

It's Easy to Earn Rewards

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. As a reminder, to earn your rewards simply do the following activities and transactions in your Kasasa Cash or Kasasa Cash Back account each qualification cycle:

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

That's all!  Even if you don't qualify during a month, your Kasasa Saver account is free.  And you can get right back to earning your rewards the very next month by meeting the above requirements!



Savings Account
Variable Interest Rate Savings Account.


  • 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 exceeding four per month
  • Variable interest rate computed on the daily collected balance and credited monthly
  • Minimum initial deposit - $100.00
  • Quarterly statements


Packy Panda Kids Club
Savings club for age 10 and under.


  • No minimum deposit & No required balance
  • Savings club for age 10 and under
  • 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

Visit Packy's Page to Learn More!


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

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


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



First Central State Bank participates in the CDARS program, allowing you to enjoy full FDIC insurance on deposit amounts that exceed current FDIC limits.

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.


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