Choose the Account that Best Meets Your Needs
We believe in offering our members a variety of options for how they’d like to handle their money.
Whether you’re looking for an account that allows you to save for the future or one that allows you to access your money whenever you need it, there’s a deposit account for you at First Federal Credit Union.
Which Account is Right for You?
Compare our checking and savings below. If you need help deciding which account is best for you, our employees at either of our branches will gladly help you out!
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Have a savings goal? Make sure you're on the course for success!
| Charity Checking | Choice Checking | Share Savings | Christmas Club | Kids FIRST Savings | |
|---|---|---|---|---|---|
| This account is for you if... | You want a checking account that features rewards with no balance requirements, no monthly fees, free debit card and more than 30,000 free* ATMs nationwide. | You keep a higher balance in your checking account and want to earn interest. Choice Checking pays interest on the entire balance in your account. | You want to have money saved away for a special purchase or unexpected expenses. | You want to save money throughout the year to pay for holiday gifts. | You want to teach your child responsible saving habits. |
| How to get started | Open online in minutes or stop by one of our convenient locations with at least $50 to open the account | Open online in minutes or stop by one of our convenient locations with at least $50 to open the account | Open online in minutes or stop by one of our convenient locations with at least $5 to open the account | Open online in minutes or stop by one of our convenient locations with at least $5 to open the account | Open online in minutes or stop by one of our convenient locations with at least $5 to open the account |
| The best thing about this account | Earn rewards with every point-of-sale PIN transaction greater than $10 AND a local charity will also receive a reward for the same transaction | No balance requirements, no monthly fees, free debit card and more than 30,000 free* ATMs nationwide | FREE* Online Banking and Mobile Banking to easily check your balance | A check is automatically mailed to you in November for holiday shopping | Account earns 5% APY on the first $500 in your account and keeps earning a rate of .25% APY on balances greater than $500. |
| Other important things to know | FREE* Access to Online and Mobile Banking; EMV Visa® Debit Card with no annual fee; Overdraft Defender | FREE* Access to Online and Mobile Banking; EMV Visa® Debit Card with no annual fee; Overdraft Defender | Account includes Visa® Debit Card; Stated rate is paid on the entire account balance; Gain access to nationwide network of MoneyPass ATMs | Stated rate paid on the entire balance of account; Account is NCUA-insured; Deposit money at any time | No monthly service fees or balance requirements; Stated rate accrues daily and pays monthly; Parents act as joint owner of account with full access |
- Stated rate may change after account is opened
- Fees could reduce earnings on the accounts
Rates effective as of June 1st, 2023