Consumer Statement Savings
An affordable basic savings plan.

• $100.00 minimum deposit to open account.
• $2.00 monthly service fee.  Fee waived with $100.00 minimum daily ledger balance.
• Competitive rates paid on daily collected balance.  See Rates.
• Earns daily interest, paid quarterly. 
• Quarterly statements.
• Unlimited over the counter withdrawals.
• FREE Instant Cash or Instant Cash and Check Card (subject to qualification).
• FREE ATM transactions at First Federal and many Instant Cash locations.
• FREE Online Banking.
• FREE automatic transfers from your First Federal checking account to make savings easier.

Youth Statements Savings
A savings plan designed to make it easy for youth to start saving.

• Must be less than 18 years old to qualify for this account.
• $10.00 minimum deposit to open account.
• No monthly service fee and no minimum balance required.
• Competitive rates paid on daily collected balance. See Rates
• Earns daily interest, paid quarterly. 
• Quarterly statements.
• Unlimited over the counter withdrawals.
• FREE Instant Cash or Instant Cash and Check Card (subject to qualification).
• FREE ATM transactions at First Federal and many Instant Cash locations.
• FREE Online Banking.
• FREE automatic transfers from your First Federal checking account to make savings easier.

Consumer Money Market Savings
A competitive, tiered interest rate account designed for customers with higher balances.

• $100.00 minimum deposit to open account.
• $20.00 monthly service fee.  Fee waived with $2,500.00 minimum daily ledger balance.
• Competitive, tiered rates paid on daily collected balance. See Rates
• Earns daily interest, paid monthly. 
• Monthly statements. 
• Unlimited over the counter withdrawals.
• Check writing available, up to 3 checks per month.
• Six free withdrawals per month, then $2.00 each thereafter.
• FREE Instant Cash or Instant Cash and Check Card (subject to qualification).
• FREE ATM transactions at First Federal and many Instant Cash locations.
• FREE Online Banking.
• FREE automatic transfers from your First Federal checking account to make savings easier.

Reward Money Market Savings
An exclusive tiered rate account that pays bonus rates for our Reward Checking customers.

• Must have Reward Checking account to qualify for this account.
• $100.00 minimum deposit to open account.
• $20.00 monthly service fee.  Fee waived with $2,500.00 minimum daily ledger balance.
• Competitive, tiered rates paid on daily collected balance. See Rates.
• Earns daily interest, paid monthly. 
• Monthly statements. 
• Unlimited over the counter withdrawals.
• Check writing available, up to 3 checks per month.
• Six free withdrawals per month, then $2.00 each thereafter.
• FREE Instant Cash or Instant Cash and Check Card (subject to qualification).
• FREE ATM transactions at First Federal and many Instant Cash locations.
• FREE Online Banking.
• FREE automatic transfers from your First Federal checking account to make savings easier.

Certificate of Deposit
A longer term savings option, with competitive fixed rates on time deposits from 3 months to 60 months

• $500.00 minimum deposit to open a certificate account.
• Interest bearing deposit with rate based on term of certificate. See Rates.
• Certificate accounts may be set up as Traditional IRAs, Roth IRAs, Education IRAs, Keogh and SEP Plans.
• Penalties apply if funds are withdrawn prior to the stated maturity dates.