Save more when you invest in FFCU

Savings Account

Save more with our savings accounts and clubs. We consistently work hard to keep our rates competitive for our members and help you earn more with your investment.

When you open a Regular Share savings account, you become a member and part owner of First Financial Credit Union. You’ll gain access to all of our services and the perks of supporting a local, cooperative banking option that was created to benefit our members, not management or stock holders.

Once you’ve confirmed you’re eligible, we make opening an account easy. All we need is some basic information, a copy of a government-issued ID and a $5 deposit. You can start the process online, over the phone, or in one of our branches. If you’d like to see all the ways we can save you money, our Member Service Representatives will take the time to identify which accounts are best for you and your savings or financial goals.


*APY = Annual Percentage Rate


Types of Savings Accounts

Regular Share

Opening a Regular Share with a $5 minimum deposit makes you a member and part owner of the credit union. You can set up a direct deposit or regular transfers to this account to grow your savings. With your membership, you can also use any of our services or apply for additional accounts or loans at our great rates.


Share Savings

The Share Saving account can be opened in addition to your Regular Share account. This additional savings account is a great option if you’re looking to to save for emergencies, travel, education or a down payment and want to keep your funds separate from your other savings. Open your additional Share Savings account online in It’s Me 247 Online Banking.


Christmas Club

Our Christmas Club is a special savings club that helps you prepare for holiday shopping. By making periodic deposits or 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 be automatically transferred to your Regular Share account on November 1st, just in time for holiday spending. Open your Christmas Club account online in It’s Me 247 Online Banking.


Savings Account Rates & Fees


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
View All General and Account Fees
View All Account and Loan Rates and Disclosures