Certificates & Money Markets

Achieve savings goals faster with higher yields and guaranteed returns.

Open Now open a certificateView Rates  – CDs and Money Markets
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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
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
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
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
Open Now  – Certificates

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