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Savings

Healthy habits pay off.

Great achievement begins with a single step.

Our savings accounts can do more than get you moving towards your goals. They can help you save for special occasions and teach your family the importance of healthy financial habits. Up your savings game, and open an account with us.

If you prefer a paperless account that earns a higher rate of interest, the 1st E-Advantage is for you. This is online banking at its best. You can look at your balance and transactions with just a click of your mouse.   

  • Minimum balance to open this account is $1.00
  • Minimum balance to earn interest is $10.00
  • No monthly service charge
  • Free online banking
  • Free ATM card
  • Free 24hr TouchTel

If you prefer to have a hard copy of your records and want to receive a monthly statement on your account, our statement savings account is for you.   

  • Minimum balance to open this account is $1.00
  • Minimum balance to earn interest is $10.00 
  • No monthly service charge
  • Free online banking
  • Free ATM card
  • Free 24hr TouchTel

Reduce your stress during the holiday season by saving throughout the year. Set a goal for yourself and deposit at your convenience.

  • Minimum balance to open this account is $1.00
  • Must maintain a minimum daily balance of $10.00 in the account each day to receive the annual percentage yield.
  • Interest earned for every day during the period that your account equals or exceeds the minimum daily balance requirement.
  • The accrued interest is compounded to the account at the end of the current Christmas Club period.
  • Christmas Club balance must be transferred into a First Federal checking or savings account.
  • Receive a free gift at time of opening 
  • Disclosure 

Looking for a great way to teach kids strong financial practices and get them to start saving money? Our Kids Club Account can help. Remember every penny counts!

  • Minimum balance to open this account is $1.00
  • Minimum balance to earn interest is $10.00.
  • For children up to 12 yrs old
  • Free gift at account opening
  • Free gift from Cheddar’s Treasure Chest with each deposit
  • Free coin counting with deposit
  • Quarterly Newsletter emailed and available at every branch
  • Many opportunities to meet the Kids Club Mascot Cheddar throughout the year.

  Kid's Club Quarterly Newsletter:                                                                                    

  October 2015

  June 2014

  August 2013

  May 2013

  2013 Halloween Special

Seeking a longer term investment with a higher rate of return? With a wide variety of terms and rates, one of our certificates of deposit might be just what you’re looking for.   

  • Earn a high fixed Interest Rate
  • Minimum balance to open is $250.00
  • Minimum to earn interest is $250.00
  • Receive a reminder maturity notice
  • 7 day grace period after maturity
  • Interest is compounded every quarter and then added to your CD account

Jumbo Certificates of Deposit

  • Earn a high fixed Interest Rate 
  • Minimum balance to open is $100,000.00
  • Minimum to earn interest is $100,000.00
  • Receive a reminder maturity notice 
  • 7 day grace period after maturity 
  • Interest is compounded every quarter and then added to your CD account

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Checking

Checking

Bank wisely, open an account with us.

Overdraft Protection

Overdraft Protection

For those "oops" moments.

Moneypass ATMs

Moneypass ATMs

Surcharge-free ATMs wherever you go.