Business Certificates & Money Manager

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All Business Certificates & Money Manager Accounts feature:

  • Higher yields on deposits
  • No monthly maintenance fees
  • Account minimums to earn higher rates

Business Share Certificates

A Business Share Certificate lets you secure a fixed dividend rate over a set period, which yields higher returns than a regular savings account. If you don’t expect to use your funds immediately, let them grow faster in a certificate!

Features

  • Terms from 6 months to 36 months
  • ‘Bump-Up’ option for 18-, 24- and 36-month certificates: after 6 months, allows a one-time opportunity to
  • Increase to the current rate without extending the maturity date
  • Open your share certificate with an online banking transfer
  • 10-business day grace period with automatic renewal upon maturity
  • Early withdrawal penalties apply3
Certificates – (Business)
TermMinimum BalanceAnnual Percentage YieldDividend Rate
6 Month$5003.50%3.440%
9 Month$5003.60%3.537%
12 Month$5003.80%3.730%
18 Month$5003.30%3.247%
24 Month$5003.20%3.150%
36 Month$5003.00%2.956%
9 Month Certificate Special New Money2,3$5,0004.50%4.402%

1APY = Annual Percentage Yield. Certificates dividends are compounded daily and credited monthly. These Dividend Rates(s) and Annual Percentage Yields(s) shown may change at any time as determined by our Board of Directors. Fees and/or penalties may reduce earnings.

Early withdrawal penalties: For certificates with a maturity of 12 months or less: loss of first 90 days of dividends. For certificates with a maturity of 13 months or greater: loss of 180 days of dividends.

2 9 month Business Share Certificate Special is available for a limited time and can be modified or withdrawn by First Financial at any time without notice. Minimum amount required to open is $5,000. Fees or penalties may reduce earnings. Business Share Certificate Specials will automatically renew for 12 months terms unless directed to close the share or renew for another available term. Special annual percentage yield terminates when the share certificate renews or when the share is closed. Other terms and conditions may apply. 

3New Money means opening funds must originate from a financial institution other than First Financial Federal Credit Union within 30 days prior to date of share certificate origination.

Open a Business Share Certificate online. You must already have a business account with First Financial.

Money Manager Account

First Financial’s tiered Money Manager Account offers flexibility and higher dividends when your business has larger savings balances.

If you usually keep $10,000 or more in your account, you’ll enjoy higher yields as your balance grows.

Features

  • $10,000 minimum opening deposit and monthly balance requirements
  • No monthly maintenance fee
  • No minimum transaction amount
  • Access funds through phone, online, or mobile banking services
  • Balances that fall below the minimum $10,000 earn lower-tier dividend rates

Contact Member Services at 410-321-6060 or toll-free at 800-903-3328 for more information or to schedule an appointment.

Effective Date: 3/7/2026

Money Manager Savings
BalanceAnnual Percentage YieldMinimum to Open
$0 to $1,999.990.10 %$10,000
$2,000 to $9,999.990.20 %$10,000
$10,000 to $49,999.990.20 %$10,000
$50,000 to $99,999.990.20 %$10,000
$100,000 to $249,999.990.20 %$10,000
$250,000 to $499,999.990.20 %$10,000
$500,000 to $749,999.990.30 %$10,000
$750,000 and over0.30 %$10,000

IRA Savings, Money Manager and Money Market dividends are compounded daily and credited monthly. These Dividend Rates(s) and Annual Percentage Yields(s) shown may change at any time as determined by our Board of Directors and may change after the account is opened. APY is accurate as of the last dividend declaration date. Fees and/or penalties may reduce earnings.