First Federal Savings Bank

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Personal Savings

Personal Savings and Certificate of Deposit Options

Account Name	Monthly Maintenance Fee	Minimum Balance	Interest Bearing	Statements	Additional Features
Statement Savings	$2.00, waived with minimum balance	$100.00	Yes See Rates	Quarterly	Learn More
Youth Statement Savings	None	None	Yes See Rates	Quarterly	Learn More
Consumer Money Market Savings	$20.00, waived with minimum balance	$2,500.00	Yes See Rates	Monthly	Learn More
Reward Money Market Savings	$20.00, waived with minimum balance	$2,500.00 and must have Reward Checking	Yes See Rates	Monthly	Learn More
Certificate of Deposit	None	$500.00	Yes See Rates	Based on maturity	Learn More
All First Federal savings accounts include: FREE checking and savings combined monthly statements. 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 Statement Savingss
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 or monthly with combined statement.
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 Statement 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 or monthly with combined statement.
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. Combined statements available.
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. Combined statements available.
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.

Certificates of Deposit
A longer term savings option, with competitive fixed rates on time deposits from 91 days to 60 months.