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

First Savers

RATE INFORMATION. Please refer to our rate sheet for the interest rate and annual percentage yield (APY) on this account. 

Your interest rate and annual percentage yield may change. 

Determination of Rate. At our discretion, we may change the interest rate on your account. 

Frequency of Rate Changes. We may change the interest rate on your account at any time. 

Limitations on Rate Changes. There are no maximum or minimum interest rate limits for this account.

COMPOUNDING AND CREDITING. Interest will be compounded monthly and will be credited to the account monthly.

MINIMUM BALANCE REQUIREMENTS. You must deposit $10.00 to open this account.

PROCESSING ORDER. The law allows us to process debit activity in any order. Electronically withdrawn activity such as ACH and ATM card transactions are withdrawn in the order in which they are received.
The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees. We encourage you to keep accurate records, check your monthly statements carefully and practice good account management, thereby reducing or eliminating overdraft or NSF fees.

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 first business day after the business day you deposit noncash items (for example, checks).

TRANSACTION LIMITATIONS. You may only make six (6) pre-authorized transfers from your account each statement cycle.  Transactions that fall within this limitation include but are not limited to: ACH debit, check, draft, debit card or similar order payable to third parties, transfers to cover overdrafts on transaction accounts, and transfer requests made through a voice-response or PC banking system.

FEES AND CHARGES. Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.