[ Open Account Open Account ![badge icon](/sites/default/files/2019-03/SavingsBook.svg) ](https://eopen.myvirtualbranch.com/1160/Application) ## Personal Savings ### CD's Make a reliable investment that guarantees a return. ### ICS and CDARS Access FDIC Insurance on multi-million dollar CDs and large deposits. ### Money Market A secure investment in your long-term vision. ### IRA's Build the retirement you are dreaming of. ### First Savers Begin to build your savings. ### Savings Club Helps you avoid the stress of holiday spending. SAVINGS [ CD's ](#cds) [ ICS and CDARS ](#ics-and-cdars) [ Money Market ](#money-market) [ IRA's ](#iras) [ First Savers ](#first-savers) [ Savings Club ](#savings-club) 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](https://www.firstfedohio.com/location/downtown-newark) ## **Effective 10/07/26** Account Name Minimum Deposit To Open Minimum Balance^ Interest Rate+ Annual Percentage Yield+ 91 Day CD (No Penalty) 182 Day CD 8 Month CD\* (No Penalty) 8 Month CD\*\* (No Penalty) 9 Month CD\* 12 Month CD ++ 13 Month CD 15 Month CD\* 15 Month CD\*\* 18 Month CD 19 Month CD\*++ (No Penalty) 21 Month CD 24 Month CD ++ 27 Month CD\* 30 Month CD 31 Month CD\* 31 Month CD\*\* 36 Month CD++ 37 Month CD 44 Month CD 4 Year CD 5 Year CD 18 Month Fixed IRA 18 Month Flexible IRA Account Name91 Day CD (No Penalty) Minimum Deposit To Open$500 Minimum Balance^$500 Interest Rate+2.85% Annual Percentage Yield+2.85% Account Name182 Day CD Minimum Deposit To Open$500 Minimum Balance^$500 Interest Rate+3.25% Annual Percentage Yield+3.25% Account Name8 Month CD\* (No Penalty) Minimum Deposit To Open$5,000 Minimum Balance^$5,000 Interest Rate+3.40% Annual Percentage Yield+3.40% Account Name8 Month CD\*\* (No Penalty) Minimum Deposit To Open$5,000 Minimum Balance^$5,000 Interest Rate+3.15% Annual Percentage Yield+3.15% Account Name9 Month CD\* Minimum Deposit To Open$500 Minimum Balance^$500 Interest Rate+3.45% Annual Percentage Yield+3.45% Account Name12 Month CD ++ Minimum Deposit To Open$500 Minimum Balance^$500 Interest Rate+3.55% Annual Percentage Yield+3.59% Account Name13 Month CD Minimum Deposit To Open$5000 Minimum Balance^$5000 Interest Rate+3.95% Annual Percentage Yield+4.00% Account Name15 Month CD\* Minimum Deposit To Open$500 Minimum Balance^$500 Interest Rate+3.65% Annual Percentage Yield+3.65% Account Name15 Month CD\*\* Minimum Deposit To Open$500 Minimum Balance^$500 Interest Rate+3.40% Annual Percentage Yield+3.40% Account Name18 Month CD Minimum Deposit To Open$500 Minimum Balance^$500 Interest Rate+3.75% Annual Percentage Yield+3.80% Account Name19 Month CD\*++ (No Penalty) Minimum Deposit To Open$500 Minimum Balance^$500 Interest Rate+4.10% Annual Percentage Yield+4.10% Account Name21 Month CD Minimum Deposit To Open$500 Minimum Balance^$500 Interest Rate+3.77% Annual Percentage Yield+3.82% Account Name24 Month CD ++ Minimum Deposit To Open$500 Minimum Balance^$500 Interest Rate+3.80% Annual Percentage Yield+3.85% Account Name27 Month CD\* Minimum Deposit To Open$500 Minimum Balance^$500 Interest Rate+4.15% Annual Percentage Yield+4.15% Account Name30 Month CD Minimum Deposit To Open$500 Minimum Balance^$500 Interest Rate+3.84% Annual Percentage Yield+3.89% Account Name31 Month CD\* Minimum Deposit To Open$500 Minimum Balance^$500 Interest Rate+3.85% Annual Percentage Yield+3.85% Account Name31 Month CD\*\* Minimum Deposit To Open$500 Minimum Balance^$500 Interest Rate+3.60% Annual Percentage Yield+3.60% Account Name36 Month CD++ Minimum Deposit To Open$500 Minimum Balance^$500 Interest Rate+3.89% Annual Percentage Yield+3.94% Account Name37 Month CD Minimum Deposit To Open$500 Minimum Balance^$500 Interest Rate+3.89% Annual Percentage Yield+3.94% Account Name44 Month CD Minimum Deposit To Open$500 Minimum Balance^$500 Interest Rate+3.91% Annual Percentage Yield+3.96% Account Name4 Year CD Minimum Deposit To Open$500 Minimum Balance^$500 Interest Rate+3.93% Annual Percentage Yield+3.98% Account Name5 Year CD Minimum Deposit To Open$500 Minimum Balance^$500 Interest Rate+3.95% Annual Percentage Yield+4.00% Account Name18 Month Fixed IRA Minimum Deposit To Open$1 Minimum Balance^$1 Interest Rate+3.75% Annual Percentage Yield+3.75% Account Name18 Month Flexible IRA Minimum Deposit To Open$1 Minimum Balance^$1 Interest Rate+3.75% Annual Percentage Yield+3.81% View More Options ^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. 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 2/25/26** Account Name Minimum Deposit To Open Minimum Balance^ Interest Rate+ Annual Percentage Yield+ Resolute Money Market Steadfast Money Market MY Money Market MY Money Market MY Money Market Account NameResolute Money Market Minimum Deposit To Open$10,000\* Minimum Balance^$10,000 Interest Rate+2.25% Annual Percentage Yield+2.27% Account NameSteadfast Money Market Minimum Deposit To Open$1,000 Minimum Balance^$1,000 Interest Rate+1.00% Annual Percentage Yield+1.00% Account NameMY Money Market Minimum Deposit To Open$5,000 Minimum Balance^$5,000 Interest Rate+0.35%\*\* Annual Percentage Yield+0.35%\*\* Account NameMY Money Market Minimum Deposit To Open$5,000 Minimum Balance^$25,000 Interest Rate+0.45%\*\* Annual Percentage Yield+0.45%\*\* Account NameMY 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. Any fees on this account may reduce the earnings on this account. 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. ## **Effective 10/07/26** Account Name Minimum Deposit To Open Minimum Balance^ Interest Rate+ Annual Percentage Yield+ 18 Month Fixed IRA 18 Month Flexible IRA Account Name18 Month Fixed IRA Minimum Deposit To Open$1.00 Minimum Balance^$1.00 Interest Rate+3.75%\* Annual Percentage Yield+3.75%\* Account Name18 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). \*Rate subject to change daily. A penalty may be imposed for early withdrawal. Any fees on this account may reduce the earnings on this account. 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 Minimum Deposit To Open Minimum Balance^ Interest Rate+ Annual Percentage Yield+ Account NameFirst 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). \*Rate subject to change daily. Any fees on this account may reduce the earnings on this account. 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. ## **Effective 08/02/2019** Account Name Minimum Deposit To Open Minimum Balance^ Interest Rate+ Annual Percentage Yield+ Account NameSavings 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). \*Rate subject to change daily. .05% APY interest is lost if you withdraw prior to the payout date. Any fees on this account may reduce the earnings on this account. Refer to your Truth in Savings disclosure for specific account information. ## 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. ## 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](/community-engagement)