Checking Accounts

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	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