
A savings account is an important part of any financial plan. You can check balances or transfer funds through DIAL, First Access Online Banking anytime day or night.
- $100 balance to open
- $3 per quarter fee waived with $100 minimum daily balance
- No monthly service charge for customers under age 19
- Quarterly statement with monthly activity
- 9 withdraws per quarter
($3 per withdrawal over 9)

Use a Christmas Club savings account to prepare for holiday expenses. Simply set up a direct deposit from a First Federal checking account, then let your money grow at a faster rate with monthly compounded interest. Receive a check in early November for your balance, or choose to have the money automatically transfer back into your checking account
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- Monthly statement
- 6 withdrawals per month; 3 of which may be by check ($15 per additional withdrawal or check)
- Identity Restore with up to $2,500 Identity Fraud Expense Coverage
- Interest rates are tiered based on the following balance ranges:
- $0-$2,499
- $2,500-$9,999
- $10,000-$24,999
- $25,000-$49,999
- $50,000+
- $2,500 minimum balance to open
- $10 per month service fee waived with $2,500 minimum daily balance
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Both Traditional and Roth options are available to eligible individuals with a minimum opening balance of $500. Interest accrues daily and is credited quarterly.


Fixed rate CD's are availiable to individuals, sole proprietors, partnerships, corporations, non-profit organizations, churches and public entities. A variety of terms and rates are available. You may open a 12-month or longer CD for only $1,000. CD's with less than 12-month terms may be opened for $2,500.

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