facebook

Effective March 1, 2026, a $3 monthly Paper Statement Fee will apply to Essential Savings Accounts. Avoid the fee — switch to FREE eStatements today! For info, Click Here.

1099 Tax Forms are now available in eStatements! Click 'View Notices' in eStatements to access your form. To learn more, Click Here

Savings Accounts

It’s never too early to start saving.

See Rates

young child holding up a First Federal piggy bank

All savings accounts include:

  • Online Banking
  • Mobile Banking
  • 24-Hour Bank by Phone

NEW Essential Savings

Maximize your money with our high-yield Essential Savings and move to checking anytime.

Open Online or in-person today! Earn a higher yield on your savings with no minimum balance. Earn 2.750% Annual Percentage Yield (APY) with interest rate tiers up to 3.250% APY for higher balances. $25.00 minimum to open. APY is effective 9/23/24 but may change without notice. Fees could reduce earnings.

OPEN ESSENTIAL SAVINGS

  • $25 minimum balance to open
  • No minimum balance to earn interest
  • FDIC Insured
  • Funds Remain Liquid ~ Easy to Access
  • See 'Interest bearing' below for current rate tiers
  • Interest bearing
  • Disclosure

Regular Savings

Our regular savings is a great way to save and still have access to your cash. It's the  perfect beginner account for children and adults to learn the benefits of earning interest while saving money. We offer eStatements, paper statements*, or Passbooks so you can see how your finances grow! 

*$3 monthly fee for paper statements

OPEN REGULAR SAVINGS

  • $25 minimum balance to open
  • First Cash ATM Card
  • $1 monthly fee if balance falls below $25
  • Interest bearing

Money Fund Savings

With $1,000 to get started, our Money Fund earns more interest than a regular savings. It's a simple way to help your money grow while keeping it accessible when you need it.

Open Money Fund

  • $1,000 minimum balance to open
  • $2 Monthly fee if balance falls below $1,000
  • Interest bearing

Christmas Club

With as little as $1 to open, our Christmas Club makes it easy to save a little at a time, all year long, so the holidays don't feel so stressful. Add to it when you can or set up automatic transfers and watch your Christmas savings grow!

Open Christmas Club

Some content requires Adobe Acrobat Reader to view.