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Deposit Products

Ready to open an account with us? Read on for our different options for checking, savings, CD, and IRA accounts.

Checking Products

All new accounts verified with ChexSystems.


Basic CheckingRegular Checking (NOW)Tri-Checking (MMDA)
Minimum Deposit to Open


$250.00 $1,000.00
Interest Compounded N/A Monthly Monthly**

Monthly Service Charge

$0.00 $5.00* $0.00 if Balance >$500.00
$5.00 if Balance< $500.00
Minimum Balance to Earn Interest NA $0.01 $500.00
First Federal ATM
Card/Visa Check Card




*Waived if balance is over $250.00, or with Direct Deposit, or with Savings Account with minimum balance $500.00, or with Mortgage Account
**Regular Checking rate prevails for balances under $1,000.00; No interest is paid for balances under $500.00

Current Rates

Reorder Checks

Reorder checks through Deluxe. 

Order Checks

Savings Products


StatementPassbookChristmas Club*Education Club
Minimum Deposit to Open


$50.00 $10.00 $10.00
Interest Compounded Quarterly Quarterly Quarterly Quarterly

Minimum Balance to Earn Interest

$10.00 $10.00 $10.00 $50.00
First Federal ATM Card




*Account balance will be mailed via check every October.

Current Rates

Education Club Savings Account

Saving is as easy as 1-2-3 with First Federal’s Education Club Savings Account! Open an Education Club Savings Account, and let your future dreams start adding up. Whether you’re planning for college or trade school, it’s never too early to start saving for your post-secondary education. Plus, you may qualify for a scholarship upon high school graduation!

An Education Club Savings Account may be opened by or for any student who has not yet completed his/her senior year of high school. The account can be in the name of the student only, or a joint account with the student’s parent(s)/guardian(s). (The student’s Social Security Number must be used when opening the account for interest reporting requirements.) Any joint account owner can withdraw from the account unless otherwise specified when the account is opened.

Account Rules

  • This is a variable-rate interest-bearing account with interest compounded quarterly. View current rates
  • If a withdrawal is requested prior to the student’s high school graduation, the account will be assessed a $25.00 service charge and a penalty of 180 days/6 months of interest, whether earned or not.
  • First Federal reserves the right to require at least 7 days written notice before any withdrawal from an interest-bearing account.
  • This account has a maximum time extension of 4 years starting at the time of the student’s high school graduation. The account may be closed if the student is no longer enrolled in an eligible higher education institution.
  • The student and applicable joint account owner(s) must acknowledge acceptance of the terms of this account at its opening.

First Federal Scholarship Program

First Federal awards $1,000.00 scholarships annually to up to 8 eligible Education Club account holders (4 for Greene County and 4 for Fayette/Washington counties). Scholarships are renewable up to a maximum of 4 years. A random drawing is held each year to determine scholarship recipients; there is no formal application process. Education Club account holders are eligible for the scholarship drawing as long as they meet certain criteria. A student is entitled to 1 entry in the drawing for each year of high school that his/her Education Club account has been active with minimum deposits, for a maximum of 4 entries per student.

Other requirements for scholarship eligibility include:

  1. Minimum deposits of $50.00 quarterly or $200.00 annually must be made into the account.
  2. The student must reside in Greene, Fayette, or Washington counties.
  3. An Education Club account must be established for 1 full year prior to high school graduation.
  4. The student must provide documentation of acceptance as a full-time student entering an accredited educational facility (college, university, community college, or trade school).
  5. If any withdrawals are made from the account prior to the student graduating from high school, there will be automatic forfeiture from the scholarship program.
  6. First Federal employees and their families are not eligible.

Certificates of Deposit (CDs)

Why worry about the ups and downs of Wall Street or mutual funds when you can lock into one of our insured CDs and realize a sure safe return on your investment? We offer several attractive CD products. For current rates click the button below or call our rate line at (724) 852-2593 or (800) 367-4263.

Current Rates

Individual Retirement Accounts (IRAs)

You should always consult your tax advisor or certified financial planner to determine which type of IRA is the most beneficial for you given your individual financial circumstances.

Traditional IRAs

It is never too early to plan your retirement, so now is the time to begin by opening a retirement account that not only helps you prepare for the future but may also give you a tax deduction. Speak with one of our IRA Account Representatives for all the details on this account.

Roth IRAs

Roth IRAs are funded with after-tax dollars and may be withdrawn tax-free after age 59 ½, provided that certain requirements are met. Additionally, contributions may be withdrawn at any time free of income tax (an early withdrawal penalty may apply).

For current rates, click the button below or call our rate line at (724) 852-2593 or (800) 367-4263.

Current Rates

Share Loans

Why not put your own money to work for you? If you need money and don't want to deplete your savings, take a share loan. You can use your savings account or certificate of deposit as collateral and borrow up to 90% of your available balance. No minimum monthly payment is required. Interest payments are required quarterly. The loan is due upon demand.

Deposit Rates

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