Savings Accounts

Get a savings account that’s right on the money.

Open Now  – Savings Accounts
HomeBankPersonalSavings Accounts

All savings accounts include:

  • No monthly maintenance fees
  • Free use of phone, online, and mobile banking services
  • Free eAlerts to monitor account activity

Share Savings

Begin your journey with First Financial with a savings account and a $1 deposit.1 Why bank when you can belong?

As a member, you’ll enjoy a lifetime of benefits when you take advantage of the full array of products and services we offer.

BalanceAnnual Percentage YieldMinimum to Open
$0 to $1,999.990.10 %$1.00
$2,000 and Over0.20 %$1.00

Share savings dividends are compounded daily and credited quarterly. 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.

  • $1 minimum balance requirement
  • No monthly maintenance fees
  • Access to funds through the ATM or online, mobile, or phone banking

As a not-for-profit financial institution, we return our profits to you in the form of more rewarding products and services. This means you’ll experience incredible value, convenience, and rewards as a First Financial FCU member. Plus, you’ll find we’re dedicated to our community, which means we’re working to make the places where you live and work even better.

Not a member yet? Join Now!

Open Now  – Share Savings

Secondary Savings Account

It’s like a piggy bank for your grown-up dreams!

Whether you’re saving for a special vacation, a destination wedding, or a brand-spanking-new set of wheels, a separate savings account makes it easy to save and reach your goals.

  • No minimum balance required
  • No monthly maintenance fee
  • No ATM access
  • Access to funds through online, mobile, or phone banking

As a not-for-profit financial institution, we return any profits we make to you in the form of more rewarding products and services. This means you’ll experience incredible value, convenience, and rewards as a First Financial FCU member. Plus, you’ll find we’re dedicated to our community, which means we’re working to make the places where you live and work even better.

Not a member yet? Join Now!

Open Now 

Holiday Club Account

Eliminate the stress of January bills by saving for holiday expenses throughout the year.

Your Holiday Club Account automatically renews each year, but you’re always free to make any changes.

Holiday Club
BalanceAnnual Percentage YieldMinimum to Open
$0 to $1,999.990.10 %No minimum required
$2,000 and Over0.20 %No minimum required

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.

  • Automatically renews year-to-year
  • No minimum balance requirement
  • No monthly maintenance fee
  • No ATM access
  • Access to funds through online, mobile, or phone banking

As a not-for-profit financial institution, we return any profits we make to you in the form of more rewarding products and services. This means you’ll experience incredible value, convenience, and rewards as a First Financial FCU member. Plus, you’ll find we’re dedicated to our community, which means we’re working to make the places where you live and work even better.

Not a member yet? Join Now!

Open Now 

Summer Pay Plan

A hassle-free method for 10-month staff, like educational employees, to stash savings for summer expenses.

The Summer Pay Plan helps when you don’t have a paycheck during the summer. Simply set up monthly deposits through payroll deduction and customize how much you want to save, whether you want to spread your income evenly over 12 months or supplement a summer job.

Summer Pay Savings
BalanceAnnual Percentage YieldMinimum to Open
$0 to $1,999.990.10 %No minimum required
$2,000 and Over0.20 %No minimum required

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.

  • No minimum balance requirement
  • No monthly maintenance fee
  • Contribute through payroll deduction during the school year
  • Choose how much to save and change the amount at any time
  • Withdraw funds using online, mobile, or phone banking

As a not-for-profit financial institution, we return any profits we make to you in the form of more rewarding products and services. This means you’ll experience incredible value, convenience, and rewards as a First Financial FCU member. Plus, you’ll find we’re dedicated to our community, which means we’re working to make the places where you live and work even better.

Not a member yet? Join Now!

Open Now 

Health Savings Account (HSA)

A tax-sheltered account to save money for qualified medical expenses.

Medical expenses can accumulate rapidly, but being prepared brings peace of mind. If you have a high-deductible health plan (HDHP), consider using First Financial’s Health Savings Account to allocate funds specifically for out-of-pocket medical expenses.

  • Fund account through pre-tax salary deferrals or after-tax deductions*
  • Make tax-deductible contributions and take tax-free distributions when you use funds for qualified medical expenses
  • Open an account in an individual name, set up for family use if qualified
  • Access funds with an HSA debit card, or through Online, Mobile, or Phone Banking
  • Account subject to IRS annual contribution limits
  • Account holder responsible for maintaining records to support paid medical expenses
  • Unused funds remain in your account from year to year even if you retire, leave your job, or change health plans

To open a Health Savings Account, please visit one of our branches or call us at 410-321-6060 or toll-free at 800-903-3328.

As a not-for-profit financial institution, we return any profits we make to you in the form of more rewarding products and services. This means you’ll experience incredible value, convenience, and rewards as a First Financial FCU member. Plus, you’ll find we’re dedicated to our community, which means we’re working to make the places where you live and work even better.

Not a member yet? Join Now!

*Please contact your financial advisor to discuss your individual tax situation.

Coverdell Education Savings Account

Watch your savings for education expenses bloom tax-free.

A Coverdell Education Savings Account lets you save funds for qualified education expenses while your contributions grow tax-free.*

  • Annual contribution limits set by the IRS
  • Contributions are not tax deductible
  • Tax-free distributions for qualified education expenses
  • Use funds for qualified elementary, secondary, or higher education expenses at eligible institutions

To open a Coverdell Education Savings Account, please visit one of our branches or call us at 410-321-6060 or toll-free at 800-903-3328.

As a not-for-profit financial institution, we return any profits we make to you in the form of more rewarding products and services. This means you’ll experience incredible value, convenience, and rewards as a First Financial FCU member. Plus, you’ll find we’re dedicated to our community, which means we’re working to make the places where you live and work even better.

Not a member yet? Join Now!

*Please contact your financial advisor to discuss your individual tax situation.

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Get great products and services from a local credit union that cares. Join us for life and bring your family along, too.
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    1Every membership begins with a Share Savings and a $1.00 deposit, made by First Financial for all new members.