Account Overview

When you open a Savings Account, you become a shareholder of the Credit Union and join a community of members who are investing in each other. While you save for purchases, vacations or a rainy day, your savings could become a loan for somebody’s new home, vehicle or education. With First Financial Credit Union, your money stays local and is put to work so you get the rewards in the form of better rates and fewer fees.

Types of Accounts

It can be easier to save when you have a goal in mind, like the security of a safety net or the excitement of booking a well-earned vacation. Your goals are unique and you can create a unique membership with accounts fit to your needs.


Regular Share & Share Savings

A savings account isn’t just the foundation of a credit union membership, it’s a flexible and customized account that helps you achieve your goals. Set up direct deposits, name your accounts based on their purpose, and add additional savings accounts to keep yourself on track. Just a $5 deposit into this account makes you a member and part owner, allowing eligibility for all services and benefits. Open additional savings accounts online in It’s Me 247 Online Banking.


Christmas Club

A special savings club that helps members prepare for holiday shopping. By setting up a direct deposit into this account, you can have a designated amount of money that will be ready and waiting for you at the end of the year. Your savings will automatically be transferred to your Regular Savings account on November 1st, just in time for Holiday spending. Open your Christmas Club account with a Member Service Representative or online in It’s Me 247 Online Banking.


Rates & Fees

All members must have a Regular Share Savings with $5 secured as their share in the Credit Union. Other than the $5 share, there is no minimum balance requirements for a savings account.

Account TypeAPYMinimum DepositMinimum Balance
Share Savings0.100%$0.00$0.00
Share Savings0.200%$0.00$10,000.01
Share Savings0.300%$0.00$50,000.01
Christmas Club0.300%$0.00$0.00


DescriptionFee Details
Account Closure$15.00 if account closed within 90 days of opening
Deposit Item Return$32.00/item
Dormant Account$5.00/Month after 6 months and account balance is less than $100
Inactive Account$10.00/Month after 4 years
Money orders$2.00 each
Certified Checks 2 free per visit, $2.00 per check thereafter
Paper Statment$1.00/statement waived for 18 years and younger; 65 and older and checking accounts
Continuous Negative Account$2.00/Day after you are negative for one day

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