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: 0.35%, 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 July 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: July 11, 2026

First Keystone Community Bank's 9-Month Keystone Advantage rates are at 3.80%, 11-Month CD Special rates are at 3.60%, 35-Months 35-Month with Bump Up Option rates are at 3.00%, 60-Months 60-Month rates are at 0.55%, 60-Months Fixed Rate CD Term 60-Month rates are at 0.55%. 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 4.82%. Rates were last updated on 07/11/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.82%

Excellent Lower than avg

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
9 Month Keystone Advantage	3.75%	3.80%	9 Month
Min Deposit $10,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
11 Month CD Special	3.55%	3.60%	11 Month
Min Deposit $1,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
35 month with Bump Up Option	2.97%	3.00%	35 Months
Min Deposit $500 Details Bump Up Option Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
60 month	0.55%	0.55%	60 Months
Min Deposit $500 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Fixed Rate CD Term 60 month	0.55%	0.55%	60 Months
Min Balance $500 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
48 month	0.50%	0.50%	48 Months
Min Deposit $500 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
36 month	0.45%	0.45%	36 Months
Min Deposit $500 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Fixed Rate CD Term 36 month	0.45%	0.45%	36 Months
Min Balance $500 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
24 month	0.40%	0.40%	24 Months
Min Deposit $1,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Fixed Rate CD Term 24 month	0.40%	0.40%	24 Months
Min Balance $500 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
18 month	0.35%	0.35%	18 Months
Min Deposit $1,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
12 month	0.30%	0.30%	12 Months
Min Deposit $1,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Fixed Rate CD Term 12 month	0.30%	0.30%	12 Months
Min Balance $500 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Fixed Rate CD Term 182 Days	0.15%	0.15%	182 Days
Min Balance $500 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%

First Keystone Community Bank Savings Rates

Product	Rate	APY
Keystone Savings Account	0.25%	0.50%
Min Deposit $10 Min Balance $25,000 Details Qualifications Required: 12 debit card purchases that post and settle within qualification cycle; enrollment in and monthly login to online banking; receipt of eStatements in place of paper statements; Interest rate paid only for that portion of your daily balance that is greater than $25,000.00. Compounded monthly. Rates are subject to change at any time. Fees may reduce earnings. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Key Savings	0.05%	0.05%
Min Deposit $10 Min Balance $0 Details APY is based on quarterly compounding. Fees may reduce earnings. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Keystone Savings Account	0.05%	0.05%
Min Deposit $10 Min Balance $0 Details Compounded monthly. Rates are subject to change at any time. Limit one Keystone Rewards checking and savings account per tax-reported owner. Fees may reduce earnings. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%

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 APY is based on monthly compounding. Fees may reduce earnings. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Key Money Market	0.15%	0.15%
Min Deposit $2,500 Min Balance $100,000 Details APY is based on monthly compounding. Fees may reduce earnings. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Key Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Details APY is based on monthly compounding. Fees may reduce earnings. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%

First Keystone Community Bank Checking Rates

Product	Rate	APY
Keystone Cash Checking	1.49%	1.50%
Min Balance $0 Details Qualifications Required: 12 debit card purchases that post and settle to the Keystone Cash or Keystone Cashback checking account during the monthly qualification cycle; enroll in online banking; log into online banking at least one time each monthly qualification cycle; receive eStatements instead of paper statements; When the Keystone Cash Checking qualifications are met, the interest rate paid on the entire balance will be 1.49% with an annual percentage yield of 1.50%. An interest rate of 0.25% will be paid only for that portion of your daily balance that is greater than $10,000.00. The annual percentage yield for this tier will range from 1.50% to 0.25%, depending on the balance in the account. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Key Interest Checking	0.10%	0.10%
Min Deposit $750 Min Balance $10,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Key Interest Checking	0.05%	0.05%
Min Deposit $750 Min Balance $750 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%
Keystone Cash Checking	0.05%	0.05%
Details When the Keystone Cash Checking qualifications are not met, the interest rate on your account will be 0.05% and the annual percentage yield will be 0.05%. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.82%

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.

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 09/23/1864

FDIC Insurance Date 01/01/1934

Domestic Offices 19

Total Branches 19

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.82%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.4814%

Return on Equity (ROE) 4.8400%

Non-Performing Loans (NPL) 0.40%

Total Assets $1,530,531,000

Total Deposits $1,142,016,000

Equity Capital $132,803,000

Net Income $8,397,000

Headquarters Berwick

Total Branches and Offices 19

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total 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.