Our Statement Savings account can be opened with a minimum deposit of $10.00. Interest is paid on a monthly basis.

Statement Savings interest rates are tied to a tiered structure, determined by the balance maintained. Refer to our current Deposit Rates. You can access your funds with an ATM card and online banking.

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Our Money Market account can be opened with a minimum deposit of $5,000.00. When a $5,000.00 balance is maintained daily, interest is earned with no monthly service fees.  If the balance falls below this minimum during the month, there is a monthly service fee of $5.00 and no interest earned. Interest is paid on a monthly basis. Money Market interest rates are tied to a tiered structure, determined by the balance maintained. Refer to our current Deposit Rates. Our Money Market allows you to protect your cash, earn interest, and still have access to your funds when you need them. You can access your funds with an ATM card and online banking for transferring between your accounts.

Checks are not included with this product.

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Our Christmas Club Account can be opened with a minimum deposit of $10.00. Interest is paid with the convenient disbursement of your funds at the end of the program. Open a Christmas Club Account today – it’s time to start saving for the holidays, shopping, a vacation, or any gift!

Set up automatic transfers to your Christmas Club account from another First Federal account to make saving convenient and easy!

Automatic transfers can easily be set up through online banking.

First Federal offers a variety of Certificate of Deposit products to assist you in managing your money. The following convenient maturity terms are available:

• 91 Days (CD Special)
• 182 Days
• 276 Days (CD Special)
• 12 Months
• 18 Months
• 24 Months
• 30 Months
• 48 Months
• 60 Months (One time rate change on 60 month term)

Maturities of less than one year:

A minimum deposit of $2,500.00, interest credited monthly.

Maturities of one year or longer:

A minimum deposit of $500.00, interest credited quarterly.
A minimum deposit of $2,500.00, interest credited monthly or quarterly.

First Federal often offers CD Specials

See our Deposit Rates for more information. Please call our office at (419) 238-1463, our rate line at (419) 238-6485 or stop by our office! Our employees will be happy to help you with questions you may have.

• A penalty may be imposed for an early withdrawal on all CD products.
• FDIC insured up to the maximum amount permitted by law. Please visit www.fdic.gov for more information about FDIC insurance coverage.

Deposit Rates

First Federal also offers FDIC insured Individual Retirement Arrangements to help you save for your future retirement years. We would be happy to help you open a Traditional IRA, SEP IRA, or ROTH IRA. First Federal offers variable rate IRAs with a minimum opening deposit of $100, or fixed rate IRAs with a minimum opening deposit of $2,000.00. First Federal IRAs have no annual service fees. A detailed IRA statement will be mailed annually. For further information, or to see which IRA best meets your needs, stop in and see one of our IRA representatives. Click on this IRS website link to visit the site for detailed IRA information.