A safe alternative to the stock market and a convenient way to keep
investment money available for future use.

Increase the earning power of your money with money market checking. You'll enjoy high returns with instant liquidity and insured safety.

You earn a tiered variable interest rate on your entire balance and can access your money through Internet Banking, by making a withdrawal at any First Federal location, writing a check or using any ATM.

Features

• Competitive Tiered Interest
  The higher the balance the more you earn
  
• Unlimited Check Writing
  Minimum check amount $500
  
• Unlimited Withdrawals
  At our teller or drive-up windows
  
• No Fee ATM Withdrawals
  See account disclosure for details
  
• Minimum Opening Deposit - $10,000
  
• Minimum Daily Balance - $10,000 for no monthly service charge
  
• Monthly Service Charge- $25 if account falls below minimum
  
• Direct Deposit - An automatic deposit or withdrawal to any First Federal account is required.
  

Additional Benefits

• FREE VISA Debit Card
  
• FREE Personalized Checks
  
• FREE Check Imaging
  
• FREE Online Banking
  
• FREE Online Bill Pay
  
• NO FEE Wire Transfers
  
• NO FEE Cashiers Checks,
  
• Money Orders or Travelers Checks

Introductory Offer

RECEIVE $50.00 when you open your new Heritage Money Market Checking Account*

& Earn an extra .25% apy when you open a new Certificate of Deposit with a Heritage MMC**

*The minimum balance to open the account and receive the $50 offer is $10,000. You will receive your credit to your new account within 45 days of opening. Limit one $50.00 incentive per household. Offer valid only for new HERITAGE MMC accounts. Any applicable taxes are the responsibility of the account holder. Offer may be withdrawn or modified at any time without notice. For the current interest rate call First Federal Savings Bank. Fees may reduce earnings on the account.

**Certificate of Deposit bonus annual percentage yield offer is only valid one time with promotional HERITAGE MMC offer and may not be combined with any other CD offer. Penalties may apply for early withdrawal. For the current interest rate call First Federal Savings Bank.