Optional Savings
Passbook Savings Accounts allow the depositor to save for a rainy day at an individual pace.  Optional Savings require a balance of $50.00.

Certificate of Deposits
Your nest egg can safely be placed in a certificate of deposit in a variety of terms with competitive rates.  Certificate of deposits require a minimum deposit.   Penalty for early withdrawal.

Individual Retirement Accounts (IRA)
Insure your golden years with a First Federal IRA Account.  IRA Accounts offer a variety of terms with competitive rates.  Depositors can make contributions a little at a time or as a lump-sum.

Checking
First Federal Savings Bank offers two different low cost checking accounts.   A small monthly minimum balance will earn interest without a service fee.  The only cost are personalized checks and any special services.