Forms
of ID

The first time you open an account as a customer with First Federal you will need to bring in one primary and one secondary form of ID. All forms of ID must be unexpired.

Primary forms of ID

  • State driver’s license
  • State ID card
  • U.S. military ID card
  • Passport
  • License to carry concealed weapon
  • Permanent resident card
  • Passport card

Secondary forms of ID

  • Photo employee ID card
  • Student ID card
  • Credit cards (VISA, MasterCard, Discover, Sears, etc.)
  • Current utility bill from the customer's residence
  • Social security card
  • Birth certificate
  • Automobile registration
  • Bank pr credit card statement
  • Current pay stub
  • Medicare card issued by SSA
  • Social security # verification notice issued by SSA
  • Social security rep payee appointment notice issued by SSA
  • Current U.S. tax returns
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What you need to apply

Documents needed

  • Paystubs (last 30 days)
  • W-2s (last 2 years)
  • Tax returns (last 2 years)
  • Bank statements (last 3 months)
  • Mortgage statement
  • Stocks, bonds, 401ks, IRAs
  • Other real estate (tax and insurance info)
  • Rental agreement (if applicable)
  • Separation or divorce decree (if applicable)

For a refinance add
(Providing these items may reduce your closing costs)

  • Title policy
  • Copy of survey
  • Homeowners insurance policy
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FDIC-Insured—Backed by the full faith and credit of the U.S. Government

Truth In Savings

13 Month Certificate of Deposit

RATE INFORMATION. Please refer to our rate sheet for the interest rate and annual percentage yield (APY) on this account. You will be paid this interest rate until maturity. 

COMPOUNDING AND CREDITING. Interest will be compounded and will be posted to the account quarterly. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

MINIMUM BALANCE REQUIREMENTS. You must deposit $5000.00 to open this account.

BALANCE COMPUTATION METHOD. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

ACCRUAL ON NONCASH DEPOSITS. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

TRANSACTION LIMITATIONS. Withdrawals may be subject to early withdrawal penalties. Refer to Early Withdrawal Penalty Provisions.

You may make additional deposits in a minimum amount of $250.00 to the following CD terms: 
12-Month
24-Month
36-Month

These additions can be made at any time except within the last seven days prior to the maturity date.

MATURITY DATE. Please refer to your Certificate for the maturity date.

EARLY WITHDRAWAL PROVISIONS. We may impose a penalty if you withdraw any of the funds before the maturity date. This penalty will equal the following, depending on the term of the CD:

12 through 48 Months - 6 Months Interest on the amount withdrawn 
60 through 120 Months - 12 Months Interest on the amount withdrawn

RENEWAL POLICIES. Your account will automatically renew at maturity. You will have a grace period of 7 calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Your certificate will automatically renew at the rate the Association is paying at that time on renewed accounts of this class.