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

*The interest rate on your account is based on meeting the Bonus Rate Eligibility Requirements each statement cycle. 2.02% APY bonus rate and ATM fee credit requirements: 1)12 or more debit card transactions posted to the account each statement cycle. 2) Activating e-statement enrollment. 3) One or more direct deposits in this account each statement cycle. 

The 2.02% APY is paid on balances up to $9,999.99. Account balances beyond that are paid at .01% APY. Rate effective 9/19/2025. Rate subject to change daily. The WePayU service charge is $12 per month. First Federal will waive the monthly service charge when you meet any of the following: 1) Maintain a $500 average balance in your account. 2) Maintain a minimum balance of $5000 in any First Federal savings account. 3) Have a loan with us. Any fees on this account may reduce the earnings on this account. Refer to your WePayU Truth In Savings Disclosure for specific information.

**ATM Fees: When you use an ATM not owned by us, you may be charged a surcharge fee by the ATM operator or any network used, and you may be charged a surcharge fee for a balance inquiry even if you do not complete a fund transfer. ATM Fee Refunds: As of October 1, 2024, First Federal will refund all ATM fees incurred by our customers. When your account is charged an ATM surcharge fee, First Federal will refund the ATM surcharge fee at the end of the business day. Limited to ATMs located in the U.S. ATM Access After 12-31-24: You may access your ATM Card through the following network(s): Accel® and Plus®. You may access your Debit Card through the following network(s): Accel®, Plus®, and MasterCard®.

***What You Need to Know about Overdrafts and Overdraft Fees An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in different ways. We have standard overdraft practices that come with your account. We also offer overdraft protection plans, such as a link to a savings or checking account or a line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans. We also offer overdraft protection plans, such as a link to a line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans. We also offer overdraft privilege for qualifying accounts (60 days after account opening). This notice explains our standard overdraft practices. What are the standard overdraft practices that come with my account? We do authorize and pay overdrafts for the following types of transactions: Checks and other transactions made using your checking account number, Automatic bill payments. We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below): ATM transactions, Everyday debit card transactions. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. What fees will be charged if First Federal Savings pays my overdraft? Under our standard overdraft practices: We will charge you a fee of up to $32.00 each time we pay an overdraft. There is a limit of $96.00 on the total fees we can charge you for overdrawing your account per day. What if I want First Federal Savings to authorize and pay overdrafts on my ATM and everyday debit card transactions? If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (740) 345-3494.

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

The Basic Checking service charge is $8/month. This monthly fee will be waived when you meet any of the following: Maintain a $100 minimum balance in this account. One or more direct deposits in this account each statement cycle. Are under 25 years of age. **ATM Fees: When you use an ATM not owned by us, you may be charged a surcharge fee by the ATM operator or any network used, and you may be charged a surcharge fee for a balance inquiry even if you do not complete a fund transfer. ATM Fee Refunds: As of October 1, 2024, First Federal will refund all ATM fees incurred by our customers. When your account is charged an ATM surcharge fee, First Federal will refund the ATM surcharge fee at the end of the business day. Limited to ATMs located in the U.S. ATM Access After 12-31-24: You may access your ATM Card through the following network(s): Accel® and Plus®. You may access your Debit Card through the following network(s): Accel®, Plus®, and MasterCard®.

***What You Need to Know about Overdrafts and Overdraft Fees An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in different ways. We have standard overdraft practices that come with your account. We also offer overdraft protection plans, such as a link to a savings or checking account or a line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans. We also offer overdraft protection plans, such as a link to a line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans. We also offer overdraft privilege for qualifying accounts (60 days after account opening). This notice explains our standard overdraft practices. What are the standard overdraft practices that come with my account? We do authorize and pay overdrafts for the following types of transactions: Checks and other transactions made using your checking account number, Automatic bill payments. We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below): ATM transactions, Everyday debit card transactions. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. What fees will be charged if First Federal Savings pays my overdraft? Under our standard overdraft practices: We will charge you a fee of up to $32.00 each time we pay an overdraft. There is a limit of $96.00 on the total fees we can charge you for overdrawing your account per day. What if I want First Federal Savings to authorize and pay overdrafts on my ATM and everyday debit card transactions? If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (740) 345-3494.