Bank · FDIC insured
First Central Savings Bank CD Rates
A $1B bank headquartered in Glen Cove, NY, with 10 branches in New York.
How First Central Savings Bank’s CD rates compare
Compared with banks and credit unions in New York, where First Central Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
First Central Savings Bank
4.30%APY
- Term
- 22 months
- Minimum
- $500
- Earns on $10,000
- $802
Certificate of Deposit
Top rate
Syracuse Fire Department Credit Union
5.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $247
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.30%APY · 18 terms
Available in-branch. Must maintain a minimum balance of $500 to earn stated APY. Early withdrawal penalties apply. Fees may reduce earnings. No brokered deposits accepted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAvailable in-branch | 3.00% | $74 |
| 6 monthsAvailable in-branch | 3.40% | $169 |
| 7 monthsAvailable in-branch | 3.25% | $188 |
| 9 monthsAvailable in-branch | 3.75% | $280 |
| 10 monthsAvailable in-branch | 3.25% | $270 |
| 11 monthsAvailable in-branch | 3.25% | $298 |
| 12 monthsAvailable in-branch | 4.00% | $400 |
| 14 monthsAvailable in-branch | 4.25% | $498 |
| 15 monthsAvailable in-branch | 4.00% | $502 |
| 17 monthsAvailable in-branch | 4.25% | $607 |
| 18 monthsAvailable in-branch | 3.90% | $591 |
| 22 monthsAvailable in-branch | 4.30% | $802 |
| 24 monthsAvailable in-branch | 4.30% | $878 |
| 30 monthsAvailable in-branch | 3.50% | $898 |
| 36 monthsAvailable in-branch | 3.50% | $1,087 |
| 48 monthsAvailable in-branch | 3.50% | $1,475 |
| 60 monthsAvailable in-branch | 3.50% | $1,877 |
| 84 monthsAvailable in-branch | 3.50% | $2,723 |
Sources (1)
- firstcentralsavings.com/cds · captured Oct 5, 2026
eCertificate of Deposit (eCD)
Up to 4.30%APY · 18 terms
Available online. Must maintain a minimum balance of $500 to earn stated APY. Early withdrawal penalties apply. Fees may reduce earnings. No brokered deposits accepted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAvailable online | 3.00% | $74 |
| 6 monthsAvailable online | 3.40% | $169 |
| 7 monthsAvailable online | 3.25% | $188 |
| 9 monthsAvailable online | 3.75% | $280 |
| 10 monthsAvailable online | 3.25% | $270 |
| 11 monthsAvailable online | 3.25% | $298 |
| 12 monthsAvailable online | 4.00% | $400 |
| 14 monthsAvailable online | 4.25% | $498 |
| 15 monthsAvailable online | 4.00% | $502 |
| 17 monthsAvailable online | 4.25% | $607 |
| 18 monthsAvailable online | 3.90% | $591 |
| 22 monthsAvailable online | 4.30% | $802 |
| 24 monthsAvailable online | 4.30% | $878 |
| 30 monthsAvailable online | 3.50% | $898 |
| 36 monthsAvailable online | 3.50% | $1,087 |
| 48 monthsAvailable online | 3.50% | $1,475 |
| 60 monthsAvailable online | 3.50% | $1,877 |
| 84 monthsAvailable online | 3.50% | $2,723 |
Sources (1)
- firstcentralsavings.com/cds · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.