What are the current interest rates at First Keystone Community Bank?

Current rates for First Keystone Community Bank include: 12-Month CD: 0.30%, 18-Month CD: 4.25%, 24-Month CD: 0.40%, 36-Month CD: 0.45%, 48-Month CD: 0.50%, 60-Month CD: 0.55%, Savings: 0.05%, MMA: 0.05%

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First Keystone Community Bank

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First Keystone Community Bank Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Keystone Community Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

First Keystone Community Bank's 18-Months 18-Month Certificate rates are at 4.25%, 182 Days 182 Day Certificate rates are at 4.00%, 9-Month Keystone Advantage rates are at 3.80%, 11-Month CD Special rates are at 3.60%, 11-Month Special 11-Month Certificate Special rates are at 3.60%. First Keystone Community Bank's savings rates are at 0.05%. First Keystone Community Bank's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of First Keystone Community Bank with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.74%. Rates last updated and verified on 09/18/2026.

First Keystone Community Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Keystone Community Bank? Share your experience about First Keystone Community Bank by leaving a review below, or read customer reviews before you decide to use First Keystone Community Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.74%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

First Keystone Community Bank

111 W Front St
Berwick, PA 18603

https://www.fkc.bank

First Keystone Community Bank CD Rates

Product	Rate	APY	Term
18 Month Certificate	4.18%	4.25%	18 Months
Min Deposit $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
182 Day Certificate	3.94%	4.00%	182 Days
Min Deposit $5,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
9 Month Keystone Advantage	3.75%	3.80%	9 Month
Min Deposit $10,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
11 Month CD Special	3.55%	3.60%	11 Month
Min Deposit $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
11 Month Certificate Special	3.55%	3.60%	11 Month Special
Min Deposit $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
35 month with Bump Up Option	2.97%	3.00%	35 Months
Min Deposit $500 Details Bump Up Option Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
60 Month Certificate	0.55%	0.55%	60 Months
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
Fixed Rate CD Term - 60 month	0.55%	0.55%	60 Months
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
48 Month Certificate	0.50%	0.50%	48 Months
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
36 Month Certificate	0.45%	0.45%	36 Months
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
Fixed Rate CD Term - 36 month	0.45%	0.45%	36 Months
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
24 Month Certificate	0.40%	0.40%	24 Months
Min Deposit $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
Fixed Rate CD Term - 24 month	0.40%	0.40%	24 Months
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
12 Month Certificate	0.30%	0.30%	12 Months
Min Deposit $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
Fixed Rate CD Term - 12 month	0.30%	0.30%	12 Months
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
Fixed Rate CD Term - 182 Days	0.15%	0.15%	182 Days
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
91 Day Certificate	0.10%	0.10%	91 Days
Min Deposit $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%

First Keystone Community Bank Savings Rates

Product	Rate	APY
Key Savings	0.05%	0.05%
Min Deposit $10 Min Balance $0 Details APY = Annual Percentage Yield as of 9/17/2026. Rates are subject to change at any time. APY is based on quarterly compounding for Key Savings accounts and monthly compounding for Key Money Market accounts. Fees may reduce earnings. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
Key Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0 and up Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
Key Savings	-	0.05%
Min Deposit $10 Min Balance $200 Details Waive Your Service Charge: Maintain a minimum daily balance of at least $200, setup a recurring direct deposit each month or if you are a minor under age 23, we will waive the $4 monthly service charge. APY = Annual Percentage Yield as of 9/18/2026. Compounded quarterly. Rates are subject to change at any time. APY is based on quarterly compounding for Key Savings accounts. Fees may reduce earnings. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
Keystone Savings Account	0.05%	0.05%
Min Deposit $10 Min Balance $0 Details Balance: All balances if qualifications are not met; APY = Annual Percentage Yield as of 9/17/2026. Compounded monthly. Rates are subject to change at any time. Fees may reduce earnings. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%

First Keystone Community Bank Money Market Rates

Product	Rate	APY
Key Money Market	0.30%	0.30%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 and up; APY = Annual Percentage Yield as of 9/17/2026. Rates are subject to change at any time. APY is based on quarterly compounding for Key Savings accounts and monthly compounding for Key Money Market accounts. Fees may reduce earnings. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
Key Money Market	0.15%	0.15%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $499,999; APY = Annual Percentage Yield as of 9/17/2026. Rates are subject to change at any time. APY is based on quarterly compounding for Key Savings accounts and monthly compounding for Key Money Market accounts. Fees may reduce earnings. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
Key Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.00 - $9,999; APY = Annual Percentage Yield as of 9/17/2026. Rates are subject to change at any time. APY is based on quarterly compounding for Key Savings accounts and monthly compounding for Key Money Market accounts. Fees may reduce earnings. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
Key Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999; APY = Annual Percentage Yield as of 9/17/2026. Rates are subject to change at any time. APY is based on quarterly compounding for Key Savings accounts and monthly compounding for Key Money Market accounts. Fees may reduce earnings. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
Key Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $99,999; APY = Annual Percentage Yield as of 9/17/2026. Rates are subject to change at any time. APY is based on quarterly compounding for Key Savings accounts and monthly compounding for Key Money Market accounts. Fees may reduce earnings. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%

First Keystone Community Bank Checking Rates

Product	Rate	APY
Key Interest Checking	0.10%	0.10%
Min Deposit $750 Min Balance $10,000 Details Balance: $10,000 and up Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
Key Interest Checking	0.05%	0.05%
Min Deposit $750 Min Balance $750 Details Balance: $750 - $9,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%
Keystone Cash Checking	0.05%	0.05%
Min Deposit $25 Details All balances if qualifications are not met; Limit one Keystone Rewards checking and savings account per tax-reported owner. Fees may reduce earnings. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.74%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First Keystone Community Bank’s Texas Ratio rose from 4.82% in Q3 2023 to 14.74% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.6B	14.74%	5.0	A-
March 31, 2026	$1.5B	12.77%	5.0	A
December 31, 2025	$1.5B	12.77%	5.0	A
September 30, 2025	$1.6B	4.74%	5.0	A+
June 30, 2025	$1.4B	3.71%	5.0	A+
March 31, 2025	$1.4B	4.73%	5.0	A+
December 31, 2024	$1.4B	3.85%	5.0	A+
September 30, 2024	$1.4B	4.15%	5.0	A+
June 30, 2024	$1.4B	4.13%	5.0	A+
March 31, 2024	$1.4B	4.02%	5.0	A+
December 31, 2023	$1.4B	4.08%	5.0	A+
September 30, 2023	$1.3B	4.82%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Keystone Community Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Keystone Community Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Keystone Community Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Keystone Community Bank

Bank Holding Company FIRST KEYSTONE CORP

Address 111 W Front St, Berwick, PA 18603 · Columbia

Website https://www.fkc.bank

FDIC Certificate # 7404

Established 18640923

FDIC Insurance Date 19340101

Domestic Offices 19

Total Branches 19

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

14.74%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8130%

Return on Equity (ROE) 9.4000%

Non-Performing Loans (NPL) 1.28%

Total Assets $1,572,543,000

Total Deposits $1,185,570,000

Equity Capital $136,268,000

Net Income $6,265,000

Headquarters Berwick

Total Branches and Offices 19

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Keystone Community Bank earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About First Keystone Community Bank

How many branches does First Keystone Community Bank operate?

First Keystone Community Bank currently maintains approximately 19 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Keystone Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Keystone Community Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Keystone Community Bank offer online and mobile banking?

Most modern institutions like First Keystone Community Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fkc.bank.