Personal Savings

SAVINGS

CD's

First Federal Savings has been a pillar of confidence in our community for decades. Today, we continue to take pride in offering the steady confidence you need to build the future you dream of. Certificates of Deposit (CD’s) are a highly reliable investment that guarantees a return, empowering you to grow your savings and reach greater financial security.

To Open a CD Call 740-345-3494

Effective 7/3/2025

Account Name

91 Day CD (No Penalty)

Minimum Deposit To Open

$500

Minimum Balance^

$500

Interest Rate+

3.50%

Annual Percentage Yield+

3.50%

Account Name

182 Day CD

Minimum Deposit To Open

$500

Minimum Balance^

$500

Interest Rate+

3.60%

Annual Percentage Yield+

3.60%

Account Name

8 Month CD* (No Penalty)

Minimum Deposit To Open

$5,000

Minimum Balance^

$5,000

Interest Rate+

3.65%

Annual Percentage Yield+

3.65%

Account Name

8 Month CD** (No Penalty)

Minimum Deposit To Open

$5,000

Minimum Balance^

$5,000

Interest Rate+

3.40%

Annual Percentage Yield+

3.40%

Account Name

9 Month CD*

Minimum Deposit To Open

$500

Minimum Balance^

$500

Interest Rate+

3.99%

Annual Percentage Yield+

3.99%

Account Name

12 Month CD

Minimum Deposit To Open

$500

Minimum Balance^

$500

Interest Rate+

3.75%

Annual Percentage Yield+

3.80%

Account Name

13 Month CD

Minimum Deposit To Open

$5000

Minimum Balance^

$5000

Interest Rate+

3.85%

Annual Percentage Yield+

3.90%

Account Name

15 Month CD*

Minimum Deposit To Open

$500

Minimum Balance^

$500

Interest Rate+

3.90%

Annual Percentage Yield+

3.90%

Account Name

15 Month CD**

Minimum Deposit To Open

$500

Minimum Balance^

$500

Interest Rate+

3.65%

Annual Percentage Yield+

3.65%

Account Name

18 Month CD

Minimum Deposit To Open

$500

Minimum Balance^

$500

Interest Rate+

3.95%

Annual Percentage Yield+

4.00%

Account Name

19 Month No Penalty CD*++

Minimum Deposit To Open

$500

Minimum Balance^

$500

Interest Rate+

3.80%

Annual Percentage Yield+

3.80%

Account Name

21 Month CD

Minimum Deposit To Open

$500

Minimum Balance^

$500

Interest Rate+

3.85%

Annual Percentage Yield+

3.90%

Account Name

24 Month CD ++

Minimum Deposit To Open

$500

Minimum Balance^

$500

Interest Rate+

3.80%

Annual Percentage Yield+

3.85%

Account Name

27 Month CD*

Minimum Deposit To Open

$500

Minimum Balance^

$500

Interest Rate+

2.50%

Annual Percentage Yield+

2.50%

Account Name

30 Month CD

Minimum Deposit To Open

$500

Minimum Balance^

$500

Interest Rate+

3.30%

Annual Percentage Yield+

3.34%

Account Name

31 Month CD*++

Minimum Deposit To Open

$500

Minimum Balance^

$500

Interest Rate+

0.45%

Annual Percentage Yield+

0.45%

Account Name

31 Month CD**

Minimum Deposit To Open

$500

Minimum Balance^

$500

Interest Rate+

0.20%

Annual Percentage Yield+

0.20%

Account Name

36 Month CD++

Minimum Deposit To Open

$500

Minimum Balance^

$500

Interest Rate+

3.00%

Annual Percentage Yield+

3.03%

Account Name

37 Month CD

Minimum Deposit To Open

$500.00

Minimum Balance^

$500.00

Interest Rate+

3.00%

Annual Percentage Yield+

3.03%

Account Name

44 Month CD

Minimum Deposit To Open

$500

Minimum Balance^

$500

Interest Rate+

3.00%

Annual Percentage Yield+

3.03%

Account Name

4 Year CD

Minimum Deposit To Open

$500

Minimum Balance^

$500

Interest Rate+

2.00%

Annual Percentage Yield+

2.01%

Account Name

5 Year CD

Minimum Deposit To Open

$500

Minimum Balance^

$500

Interest Rate+

1.35%

Annual Percentage Yield+

1.35%

Account Name

18 Month Fixed IRA

Minimum Deposit To Open

Minimum Balance^

Interest Rate+

3.95%

Annual Percentage Yield+

3.95%

Account Name

18 Month Flexible IRA

Minimum Deposit To Open

Minimum Balance^

Interest Rate+

3.75%

Annual Percentage Yield+

3.81%

^Minimum daily balance to obtain APY (the amount of principal in the account each day). Refer to your Truth in Savings disclosure for specific account information.

*With transfer of interest to a First Federal checking or savings account.

**With interest paid by check.

+Rate subject to change daily.

++Minimum additions of $250.00 or more permitted.

Key Features

Minimum opening balance is usually $500.
Choose to have your interest paid either monthly or quarterly.
Interest can be deposited directly into a First Federal account. Some CDs do require transferred interest.
Choose from terms ranging from 91 days to 10 years. Note that there may be a penalty for early withdrawal of funds.

ICS and CDARS

Get Peace of Mind for Large Cash Balances with ICS & CDARS

First Federal offers IntraFi's services, ICS and CDARS, as a member of IntraFi's network. When you submit funds for placement through First Federal using the DDA, MMDA, or CD service, that deposit is divided into amounts under the standard FDIC insurance maximum of $250,000 and placed in deposit accounts at other network banks. You can choose to have funds placed in demand deposit accounts (using the demand option), money market deposit accounts (using the savings option), or CDs. With your funds placed in amounts below $250,000, you can rest assured that both principal and interest are eligible for FDIC insurance.

By working directly with First Federal Savings, you can access FDIC coverage from many banks, and you can enjoy the convenience of transparent, detailed reporting and periodic statements.

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Money Market

We want you to build a confident future. Opening a Money Market savings account at First Federal is a secure investment in your long-term vision. This high yield savings account earns higher interest for your money, while still offering anytime access and the flexibility to write checks*** each month. Save for the future—and keep the adaptability to address your short-term needs. As an added perk, you have the entire First Federal team rooting for you to achieve. That’s confident. That’s strong. Just like you.

Effective 1/16/25

Account Name

Resolute Money Market

Minimum Deposit To Open

$10,000*

Minimum Balance^

$10,000

Interest Rate+

2.50%

Annual Percentage Yield+

2.52%

Account Name

Steadfast Money Market

Minimum Deposit To Open

$1,000

Minimum Balance^

$1,000

Interest Rate+

1.00%

Annual Percentage Yield+

1.00%

Account Name

MY Money Market

Minimum Deposit To Open

$5,000

Minimum Balance^

$5,000

Interest Rate+

0.35%**

Annual Percentage Yield+

0.35%**

Account Name

MY Money Market

Minimum Deposit To Open

$5,000

Minimum Balance^

$25,000

Interest Rate+

0.45%**

Annual Percentage Yield+

0.45%**

Account Name

MY Money Market

Minimum Deposit To Open

$5,000

Minimum Balance^

$50,000

Interest Rate+

0.45%**

Annual Percentage Yield+

0.45%**

^{^}Minimum daily balance to obtain APY (the amount of principal in the account each day).

*New deposit required to open this account.

**The interest rate on your account is based on meeting certain relationship requirements each statement cycle. Refer to the My Money Market Truth In Savings Disclosure for specific information.

***Up to six pre-authorized transactions per month (includes debits, checks, payables, etc.) Ask a banker for complete details.

+Rate subject to change daily.

Key Features

Online + Mobile banking

Make deposits, check balances, transfer money, and pay bills from your mobile phone or online.

Flexibility to write checks

Each month you have the flexibility to write checks (up to six authorized transactions per month).

24/7 access

Complete access to your account at anytime.

Earns a higher yield.
Option for your Money Market to be utilized as overdraft protection for your First Federal checking account for no fee.

IRA's

Achieving your goals means looking ahead, and at First Federal, we’re experts on planning for what’s next. Whether you’re just getting started in your career or looking forward to retirement in a few years, an Individual Retirement Account (IRA) is a safe and risk-free means of building the tomorrow you’re dreaming of. We work within your means to create a pathway that begins exactly where you are right now—and it can begin with as little as $1.

Request Info

Effective 7/3/2025

Account Name

18 Month Fixed IRA

Minimum Deposit To Open

$1.00

Minimum Balance^

$1.00

Interest Rate+

3.95%

Annual Percentage Yield+

3.95%

Account Name

18 Month Flexible IRA

Minimum Deposit To Open

$1.00

Minimum Balance^

$1.00

Interest Rate+

3.75%

Annual Percentage Yield+

3.81%

^Minimum daily balance to obtain APY (the amount of principal in the account each day). Refer to your Truth in Savings disclosure for specific account information.

Key Features

There’s no risk. Your investment never decreases in value.
You can get started for as little as $1 or rollover existing retirement funds into a new IRA.
Unlimited, additional deposits are allowed on certain accounts.
There are no commissions or maintenance fees and local access.
Choose between a traditional IRA, which is a pre-tax investment, or a Roth IRA, which is an after-tax investment with tax-free earnings and withdrawals for retirement.

First Savers

We gladly go above and beyond to provide the support you need to thrive. When you choose a First Savers account to begin building your savings, you’re choosing strong. You’re choosing smart. You’re choosing a team who looks forward to getting to know you personally and helping you succeed in all of your financial endeavors.

Effective 08/02/2019

Account Name

First Savers

Minimum Deposit To Open

$10

Minimum Balance^

$200 - $1,000

Interest Rate+

.01%

Annual Percentage Yield+

.01%

^Minimum daily balance to obtain APY (the amount of principal in the account each day). Refer to your Truth in Savings disclosure for specific account information.

Key Features

Online + Mobile banking

Make deposits, check balances, transfer money, and pay bills from your mobile phone or online.

Add a debit card

Option to attach your account to a debit card for the ability to transfer funds at an ATM.

24/7 access

Deposit or withdraw funds to or from your account at any time.

Earn interest on balances of $200 or more.
Interest is compounded and posted monthly.
No monthly fee.
Access to online and mobile banking.
Can act as overdraft protection for other First Federal accounts.

Savings Club

At First Federal, we work together to make saving easier so you can achieve and celebrate your goals, both big and small.

Your Savings Club account helps you set aside funds that will be paid out on a specific date before the holidays. Understanding you’ll lose the account’s bonus interest if you withdraw prior to that date adds incentive and reward to your savings practice. Saving a little into this account throughout the year removes much of the financial stress of holiday spending. You can even set up an automatic transfer from your regular checking or savings account on a schedule of your choosing.

Savings Club is just one way First Federal is committed to practical financial success—just like you.

Request Info

Effective 08/02/2019

Account Name

Savings Club

Minimum Deposit To Open

$1.00

Minimum Balance^

$1.00

Interest Rate+

0.05%

Annual Percentage Yield+

0.05%*

^Minimum daily balance to obtain APY(the amount of principal in the account each day). Refer to your Truth in Savings disclosure for specific account information.

*.05% APY interest is lost if you withdraw prior to the payout date.

Key Features

Helps you save for the holidays with ease.
First Federal manages payout; and (.05%) interest is lost if you withdraw prior to the payout date.
You have the option to set up automatic transfers to your Savings Club account from another First Federal deposit account.

Open Your Account

1

Call 740-345-3494 to open your account.

Community Engagement

You help us make an impact.

We want to see every member of our community thrive. That commitment isn’t just about our customers, it’s about every person in our neighborhoods, towns, cities, and all across Licking County. Every year, our employees give their time to make a difference. Because that’s strong. Like you

First Federal Gives Back

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Secondary forms of ID

Documents needed

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(Providing these items may reduce your closing costs)