Checking Accounts

** The Money Pass network offers coast to coast access to thousands of surcharge free ATMs located where you live, work and travel. Free Online Banking Free Bill Pay Free Visa Debit Card Surcharge Free ATM's**   50 Plus Checking Interest or Image Checking Non Interest Checking Heritage Money Market Checking .25% CONSUMER LOAN DISCOUNT WITH AN AUTOMATIC PAYMENT FROM A FIRST FEDERAL CHECKING ACCOUNT Description: This account is for our customers who are 50 or older. Earns interest* with free standard checks. Earns interest* Check Images returned in Statement with Image Checking. Does not earn interest (Available for personal accounts only) Competitive interest rates, plus the liquidity, flexibility and accessibility of a checking account. Learn more HERITAGE Money Market Checking Minimum Daily Balance No minimum balance. No monthly service charge $250 minimum daily balance required or a $5 monthly service charge applies. $100 minimum daily balance required or a $5 monthly service charge applies. $10,000 minimum daily balance required or a $25 service charge applies. * Interest Checking Accounts: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day. Please contact us for rates.

Phone Banking

First Federal 24-Hour Banking is available to our customers by dialing 673-1300. Phone Banking Instructions

Health Savings Accounts

  Interest Checking
No Minimum Balance, No Charge for Visa Check Card, $15.00 Annual Service Charge Applies, Earns Interest - Tiered Rates. Please contact us for rates. FDIC Insured

To find out more about Health Savings Accounts read Publication 969 at the IRS.gov website

Statement Savings

FDIC Insured, $100 Minimum Deposit to Open, Earns a Variable Rate of Interest with a $100 Minimum Daily Balance or a $5.00 monthly service charge applies, Service fee waived for customers under 18 years of age.

Certificates of Deposit

Term certificates available from three months to a five-year term. A $1000 minimum deposit is required to open. Early withdrawal penalties may apply. Please contact us for rates. FDIC Insured

Individual Retirement Accounts

Variable Rate IRA: 18 month term. Traditional, Roth and Coverdell Education Savings Accounts require a $50 minimum deposit to open. Please contact us for rates. FDIC Insured

Fixed Rate IRA: 24,30,36,48 and 60 month term. Traditional, Roth and Coverdell Education Savings Accounts require a $1000 minimum deposit to open. Please contact us for rates. FDIC Insured

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