• Real Saver

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    • 2.00% APY* on balances up to $25,000
    • No minimum balance
    • Interest is accrued daily, credited monthly
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    Summary

    This savings account is paired with a First Federal Bank Reward Checking account to bring interest earnings to every penny you put in the bank.

    You'll reap the rewards of 2.00% APY* while enjoying the benefits of hassle-free banking: no minimum balances and no monthly service charge.

    • 2.00% APY* on balances up to $25,000
    • 0.75% APY* on portion of balance above $25,000
    • Linked to your Reward Checking Account
    • No minimum balance
    • Interest is accrued daily, credited monthly
    • Free Online Banking
    • FDIC insured
    • Minimum deposit to open is $100 (no minimum thereafter)

    *APY = Annual Percentage Yield

    Qualifications

    There are no minimum balance requirements, but you do have to have an existing (or open a new) Reward Checking account with First Federal Bank.

    It's simple to receive the higher interest rate on Real Saver by just meeting these 3 easy qualifications on your Reward Checking account each statement cycle:

    • Make 10 debit card purchases
    • Make one direct deposit or ACH auto debit
    • Access Online Banking once

    You only have to meet the qualifications once each statement cycle. Qualifying for the Reward Checking features automatically qualifies you for Real Saver. Learn more about Reward Checking here.

    If you do not meet the qualifications one cycle, your Real Saver account still earns 0.10% APY* on the entire balance.

    *APY = Annual Percentage Yield

    More Info.

    Annual Percentage Yield (APY) accurate as of 2/8/10. Rate tiers are as follows: 2.00% APY applies to balances of $.01 - $25,000 and 0.75% APY applies to balances over $25,000 as long as qualifications are met each statement cycle. 0.10% APY applies to all balances if qualifications are not met. All balances will earn 2.00% APY to 0.75% APY as long as qualifications are met. Rates may change after the account is opened. Fees may reduce earnings.

  • Regular Savings Account

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    • Competitive interest rates
    • 2 free debits per month
    • Balances of $200 and over earn interest
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    Summary

    Build your nest egg with a solid interest rate and easy access when you need it.

    • Competitive rates
    • Balances of $200 and over earn interest
    • 2 free debits per month; $2 each thereafter
    • Free Online Banking
    • Unlimited telephone banking
    • $4 monthly service charge waived on balances over $200
    • Direct deposit available
    • FDIC insured
    • $100 deposit to open

  • Youth Savings Account

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    • Competitive interest rates
    • 2 free debits per month
    • Balances of $10 and over earn interest
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    Summary

    It's never too early to start saving. Establish good financial habits and make the most of your money with a Youth Savings Account.

    • For clients age 18 and younger
    • Competitive rates
    • Balances of $10 and over earn interest
    • 2 free debits per month; $2 each thereafter
    • Free Online Banking
    • Unlimited telephone banking
    • $4 monthly service charge waived on balances over $10
    • Direct deposit available
    • FDIC insured
    • $10 deposit to open

  • Money Market Account

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    • Higher returns
    • Tiered rate structure
    • Free Online Banking
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    Summary

    Get the most out of your money. This high return savings account offers outstanding interest rates that go even higher as your balance does.

    • Higher returns
    • Tiered rate structure rewards higher balances
    • Interest paid on collected balances
    • Free Online Banking
    • Unlimited telephone banking
    • $5 monthly service charge waived on balances over $1,000
    • Direct deposit available
    • FDIC insured
    • $1,000 deposit to open

  • Christmas Club Account

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    • Save for the holidays
    • Competitive interest rate
    • Balance sent before season begins
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    Summary

    Don't let the holidays catch you off-guard. Start saving now with this specially designed savings account.

    • Save for the holidays
    • Competitive rates
    • Interest paid on collected balances
    • Balance sent to you before season begins
    • Early closure forfeits interest
    • Free Online Banking
    • Unlimited telephone banking
    • Direct deposit available
    • FDIC insured
    • $5 deposit to open

  • Certificates of Deposit

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    • Competitive rates
    • Many term options
    • FDIC insured
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    Summary

    Take the guesswork out of investing by putting your money into a First Federal CD with a fixed interest rate.

    • Competitive rates
    • Many term options
    • Penalty for early withdrawal
    • Experienced advisors to assist you
    • Personal service
    • FDIC insured

    Earned interest may be credited to your account balance or you may receive a check monthly or quarterly.

    Contact us to find out about periodic special rates and accounts.