Pevious Slide Next Slide Financial Coaching No-cost, one-on-one financial coaching for anyone in our community, led by certified counselors. No account required. [Learn More](https://www.firstfedohio.com/counselors) Pevious Slide Next Slide Real Estate Loans We offer the kind of secure, reliable residential and commercial real estate loans needed to build a strong foundation for the future. Our experienced, knowledgeable team is fully committed to helping bring your real estate ownership dreams to life. [Learn More](https://www.firstfedohio.com/personal/loans) Pevious Slide Next Slide WePayU Checking WePayU Checking from First Federal Savings lets you earn a 2.02% APY just by meeting a few simple requirements\*. You can use that interest to pay for things like your favorite streaming service. You'll also enjoy a variety of account features and benefits. [Learn More](https://www.firstfedohio.com/personal/checking#wepayu-checking) Pevious Slide Next Slide Business Checking We understand the importance of efficient, responsive and reliable financial services. Our business checking accounts are designed to provide your business or organization with the highest caliber of banking products available. [Learn More](https://www.firstfedohio.com/business/checking) Pevious Slide Next Slide ICS and CDARS Using IntraFi Cash ServiceSM, or ICS®, and CDARS® through First Federal Savings, you can access millions in FDIC insurance for cash deposits from IntraFi® network banks and enjoy the simplicity of banking with just one trusted, local institution. [Learn More](https://www.firstfedohio.com/personal/savings#ics-and-cdars) ## Why First Federal Savings? ### Because you’re not just choosing a place to put your money. First Federal Savings is a community bank serving Licking County and Central Ohio since 1934. We offer personal and business checking and savings accounts, real estate loans, home equity lines, credit cards, and no-cost financial coaching for anyone in our community. What makes us different is simple. Our customers are our owners. As a mutually-owned bank, we have no outside shareholders, so every decision we make is about doing right by you and this community. When you call, a real person answers. Loans are decided locally by people who know this area. And our success stays here, reinvested in the neighborhoods, organizations, and community we have proudly called home for over 90 years. ### We proudly work for you. As a mutually-owned company, we are owned by the customers who work with us. There are no stockholders to pay, just a driving investment in building the vitality of our region—and turning all your strength into growth. ### We are fanatical about growth. We’re known for going the extra mile to help you succeed through hard times—and excel through great ones. We recognize and appreciate the diversity of your needs and interests, so we make it our personal goal to see you thrive. ### We are Ohio born and bred. Licking County has been our home since day one, and we donate our resources and time to events and projects right here, in the communities where we’ve put down roots. No matter what comes, we’re ready to go the extra mile to build your success—because we’re strong like you. ## Nothing gets in the way of our investment in you. [Let us show you](/about) > I’ve never worked with a bank that was so helpful! Everyone that we have worked with at First Federal Savings has been very nice. We couldn’t find a plumber, and they all went to work trying to help us find a reasonable one. They also helped us with ways to get our brand out in the community. First Federal Savings definitely cares about their customers. Shavonne A. NEWARK, OH ## Community Engagement ### We are building a stronger Ohio. We give our all in support of our communities—and that commitment goes far beyond banking hours. Every day, our team of experts is helping families and businesses thrive, because your success is our personal mission. And when the going gets tough, we step out and step up by giving back wherever we are needed most. At First Federal Savings, we know that we are all stronger together. [Let us show you](/community-engagement) ## FAQ What is First Federal Savings? First Federal Savings is a mutually-owned community bank headquartered in Newark, Ohio, serving Licking County and central Ohio since 1934. We offer personal and business checking and savings accounts, real estate and home equity loans, credit cards, merchant services, and no cost financial coaching for anyone in the community. What does mutually-owned mean? It means First Federal Savings has no outside shareholders. We are owned by our customers, so our focus is entirely on serving the people and communities we work with, not on generating returns for investors. Where are First Federal Savings branches located? We have branches in Newark (Downtown and North Newark), Granville, Heath, and Pataskala, as well as a loan production office in Gahanna, Ohio. Is First Federal Savings FDIC insured? Yes. First Federal Savings is a Member FDIC and an Equal Housing Lender. Deposits are insured and backed by the full faith and credit of the U.S. government. What banking products does First Federal Savings offer? We offer personal and business checking accounts, money market accounts, savings accounts, certificates of deposit, personal ira's, savings clubs, ICS and CDARS accounts. We offer personal real estate loans and home equity lines of credit, business real estate loans, personal credit cards, business credit cards, merchant services, and no cost financial coaching for anyone in the community. Does First Federal Savings offer no cost financial coaching? Yes. Our Certified Financial Health Counselors are available at no cost to anyone in the community, whether you are a First Federal customer or not. Coaching covers budgeting, credit building, debt management, saving, and home buying preparation. All information provided is for **educational purposes only** and should not be considered **investment, tax, or legal advice**. Participation does **not create a client–advisor or fiduciary relationship**. Counselors are **Certified Financial Health Counselors**, certified by the **National Association of Certified Credit Counselors (NACCC)**. First Federal Savings is **not affiliated with or endorsed by NACCC** beyond counselor certification. How do I open an account at First Federal Savings? You can apply online or visit any of our branch locations. First time customers will need to bring one primary and one secondary form of ID.