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First Keystone Community Bank Review

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First Keystone Community Bank Savings
0.05% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

First Keystone Community Bank first started operating in 1864 and has its headquarters in Berwick, Pennsylvania. First Keystone Community Bank manages $989 million in assets as well as $788 million in deposits, ranking it as a medium-size bank. First Keystone Community Bank lacks premium access to support representatives, with no live chat or all-day service options available. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. On the whole, First Keystone Community Bank is a good bank that gets the job done, with a rating of 4.1 stars out of 5 from the SmartAsset experts. First Keystone Community Bank has the full package of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs and mortgage products. First Keystone Community Bank has a fair savings rate compared to the average savings account. If you're looking for a checking account for everyday use, First Keystone Community Bank's most basic checking account does not have a monthly maintenance charge. Banks that offer free checking, in addition to a high savings APY are your best option for returning the most income from your deposits alongside easy access to your money.

How We Rated It

SmartAsset's Overall Rating

4.1/5
National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more

Rates

3.0
SmartAsset Average: 3.5

First Keystone Community Bank has a savings rate of 0.05%, which is poor compared to the average U.S. bank. First Keystone Community Bank's CDs feature a rate of 0.45% and 2.00% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account has an APY of 0.05%. Given its poor savings rate, you should think about choosing another bank to earn more on your deposits.

How First Keystone Community Bank's Savings Rates Compare

First Keystone Community Bank Savings 0.05 National Average 0.26 Compare Offers
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Fees

5.0
SmartAsset Average: 4.4

First Keystone Community Bank has typically extremely low fees in comparison to the national average. Its checking account has no monthly fee, ranking it excellent for anyone looking for a simple account. First Keystone Community Bank does not reimburse out-of-network ATM fees, meaning you will have to find a First Keystone Community Bank ATM or pay the ATM charge.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

3.6
SmartAsset Average: 3.7

First Keystone Community Bank is a brick-and-mortar bank, with 19 total branches in Pennsylvania. It also offers access to mobile and web apps for simple access and banking on the go. First Keystone Community Bank's online and mobile banking services receive poor marks from customers. With 66 customer reviews across both Apple and Android platforms, the First Keystone Community Bank mobile app rates a 3.4 out of 5 (compared to the national average of 3.8). First Keystone Community Bank's mobile app allows you to manage your funds by monitoring monthly statements, transferring money and reaching support representatives. First Keystone Community Bank gets an outstanding consumer satisfaction score due to relatively few consumer complaints brought to the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

Overall Mobile Rating 3.4/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

4.8
SmartAsset Average: 4.8

First Keystone Community Bank is a medium-size bank owning assets totaling $989 million and $788 million in deposits. First Keystone Community Bank has a strong Texas Ratio of 5.46%, signifying a tiny likelihood of failure. Additionally, First Keystone Community Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

5.46%
High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare First Keystone Community Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.05% APY $1
Checking Account 0.05% APY $750
Certificates of Deposit
  • 12 Month: 0.45% APY
  • 24 Month: 0.60% APY
  • 36 Month: 1.30% APY
  • 48 Month: 1.55% APY
  • 60 Month: 2.00% APY
$500 for all terms
Money Market Accounts 0.05% APY 0.05% APY $10000 $15000

First Keystone Community Bank has several deposit products like savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. First Keystone Community Bank does not have the best savings rate, which means you should consider other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. First Keystone Community Bank's CD rates are fair in comparison to the national average.

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Find a First Keystone Community Bank Near Me

First Keystone Community Bank has 19 physical branches across the U.S.

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