Personal Savings

Check Rates

Savings and Checking Rates

CD Rates

Special pricing may be available in your market area. Please contact your local branch for more information.

Personal Savings
basic savings account for everyday savings1

  • minimum of $50 to open the account  
  • earn interest on daily balances of $1,000 and up 
  • online banking
  • mobile banking
  • easy access to funds

 

All for $13 a quarter

Keep a $500 daily balance, no quarterly service charge.

Student Savers
basic savings account for students 24 years old and younger2

  • minimum of $5 to open the account
  • no quarterly service charge
  • earn interest daily with balances of $5 and up 
  • online banking 

 

All for $0 a quarter


Club Savings
save throughout the year for Christmas or Vacation expenses3

  • minimum $25 to open the account
  • choose Christmas or Vacation Club
  • Christmas Club is automatically transferred to FF checking on November 1.
  • Vacation Club is automatically transferred to FF checking on May 1. 
  • earn interest daily with balances of $1,000 and up
  • $10 minimum automatic monthly transfer from FF checking
  • online banking

All for $13 a quarter

Enhanced and Elite Checking customers, no quarterly service charge.
or Essential Checking customers, keep a $500 daily balance, no quarterly service charge.

Cash Management Account (CMA)
deposit account which enables you to maximize earnings on higher balances4

  • minimum $50 to open 
  • earn interest with daily balances of $5,000 and up 
  • higher interest rates on higher balances
  • must maintain a checking account with FF
  • easy access to funds
  • online banking
  • mobile banking

All for $14 a month

Keep a $2,500 daily balance, no monthly service charge
or use eStatements, save $3 a month.

Certificate of Deposit (CDs)
short- or long-term savings account with a fixed rate5

  • minimum $1,000 to open 
  • terms range from 30 days to 5 years
  • higher interest rates on higher balances
  • compounded interest can be credited to CD or another FF account
  • automatic renewal at the end of the term

 

 

Click here for Checking and Savings Account Rates
Click here for Certificate of Deposit Rates

1, 2, 3The interest rate and APY are subject to change without notice. Fees may reduce earnings. Transfers to another account or 3rd parties by pre-authorized, automatic, telephone transfer limited to 6 per month. The interest rate and Annual Percentage Yield (APY) are subject to change without notice. See Savings Account Rate Sheet for current rates and APY.

1Personal Savings: $6 charge per withdrawal over 9 per quarter.

2Student Savers: $4 charge per withdrawal over 9 per quarter. A parent or guardian must be a signer the account with the minor.

3Club Savings: Minimum $10 monthly automatic transfer from Enhanced, Elite or Essential checking is required. Customer chooses May 1 (Vacation) or November 1 (Christmas) distribution date. Early withdrawal penalty is $25.

4Cash Management: Transfers to another account or 3rd parties by pre-authorized, automatic, telephone transfer limited to 6 per month.  $10 charge per withdrawal over 6 per month. Statement check images are available at no additional cost. The interest rate and Annual Percentage Yield (APY) are subject to change without notice.

5Certificate of Deposit (CD): Interest-bearing account. Interest will be compounded and credited monthly for accounts having a term of 30 days.  For accounts having a term of 91 days, interest will be compounded quarterly and credited at maturity. For account terms of greater than 91 days, interest will be compounded and credited quarterly. A penalty may be imposed for early withdrawal. You have 7 days after the maturity to withdraw funds without a penalty or account will automatically renew. See CD Rate Chart for interest rate and corresponding Annual Percentage Yield (APY) for the daily balance and term specified. Interest rate and APY will not change for the length of this account.

Miscellaneous Fees and Charges

1/2016