Certificates & Money Markets

Achieve savings goals faster with higher yields and guaranteed returns.

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What features are most important to you?

Higher Yields

I want to earn more, more, more!

Shorter Terms

I’ll need my funds sooner rather than later.

Additional Certificate Deposits

Let’s add more money!

Cash Access

I need to access my savings today.

All Certificates and Money Market Accounts feature:

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

Certificates

Lock in a solid fixed rate for a set term with our certificates. They’re great for saving for retirement, enhancing your investment savings, or reaching your longer-term savings goals.

Earn an additional 0.5% rewards rate on your certificates with Better Rewards Checking.2

Features

  • Terms from 6 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
  • Easily open your certificate with an Online Banking transfer
  • 10-calendar-day grace period with automatic renewal upon maturity
  • Early withdrawal penalties apply
Certificates – (Share, IRA)
TermMinimum BalanceAPY1Dividend RateBetter Rewards APY1,2Better Rewards Dividend Rate
6-Month$5003.50%3.440%4.00%3.922%
9-Month$5003.60%3.537%4.10%4.018%
12-Month$5003.80%3.730%4.30%4.210%
18-Month$5003.30%3.247%3.80%3.730%
24-Month$5003.20%3.150%3.70%3.633%
36-Month$5003.00%2.956%3.50%3.440%

1APY = Annual Percentage Yield. Certificates dividends are compounded daily and credited monthly. All accounts insured by the NCUA to at least $250,000. IRAs are separately insured up to $250,000. 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.

2Members must meet Better Rewards Checking eligibility requirements at the time of opening or renewing a share certificate in order to receive the rewards rate. Other terms and conditions may apply.

Automatic renewal options available upon maturity. Share Certificates automatically renew to like terms. See Agreements & Disclosures for renewal policies.

Open Now  – Certificates

APY1 as high as:

3.60%

Minimum Deposit as low as:

$500

Terms:

6-36 months

Certificate Builder

Get the most bang for your savings bucks with this high-rate 11-month certificate. Add funds to your account any time in any amount and watch your savings multiply.

Features

  • One-time penalty-free withdrawal
  • Add funds anytime in any amount2
Certificate Builder – (Share)
TermMinimum BalanceAPY[1]Dividend Rate
11 Month2,3,4$1003.55%3.489%

1APY means annual percentage yield and is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding. Dividends are compounded daily and credited monthly. Fees or penalties may apply for early withdrawals and may reduce earnings. All accounts insured by the NCUA to at least $250,000. These Dividend Rates(s) and Annual Percentage Yields(s) shown may change at any time as determined by our Board of Directors.

2Early withdrawal penalties: For certificates with a maturity of 12 months or less: loss of 90 days of dividends.

3Automatic renewal options available upon maturity. Share Certificates automatically renew to like terms. See Agreements & Disclosures for renewal policies.

4Additional deposits may be made to Certificate Builder account prior to maturity. Principal balance or additional deposits after account opening may not exceed $10,000. Deposits exceeding maximum balance may be distributed to a new Certificate Builder account.

Open Now  – Certificates

APY1 as high as:

3.55%

Minimum Deposit:

$100

Term

11 months

Money Market Account

A Money Market Account offers a dividend rate equal to – or even better – than a Share Savings Account with no fixed term as there is with a Certificate. It’s an excellent choice when you need easy access to your longer-term savings.

Features

  • $2,500 minimum opening deposit and monthly balance requirements
  • No monthly maintenance fee
  • No minimum transaction amount
  • Access funds through phone, online, or mobile banking services
  • ATM access not available
  • Balances that fall below the minimum $2,500 earn lower-tier dividend rates
Money Market
BalanceAnnual Percentage YieldMinimum to Open
$0 to $1,999.990.10 %$2,500
$2,000 to $2,499.990.20 %$2,500
$2,500 and Over0.20 %$2,500

IRA Savings, Money Manager and Money Market dividends are compounded daily and credited monthly. All accounts insured by the NCUA to at least $250,000. 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.

Open Now  – Certificates

Money Manager Account

First Financial’s tiered Money Manager Account offers flexibility and higher dividends on large 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

Effective Date: 4/3/2025

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. All accounts insured by the NCUA to at least $250,000. 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.

Open Now  – Certificates

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