SAVINGS

The Right Account for Your Future

Planning for a financially secure future is a smart decision, and First Federal Bank knows that every customer has different financial goals. Whatever the case, First Federal Bank offers a complete line of savings plans that are tailored to fit your individual needs.

Standard Savings

My First Bank

Access 90 Accounts

Christmas Club Savings

Home Buyer Accounts

Health Savings Accounts

Personal Savings Account	Service Charge	Balance to Avoid Charge	Interest Rate Information	Additional Benefits & Other Information
My First Savings Account	N/A	N/A	Earn interest on daily balance of $10 or more	$50 minimum opening deposit Minor statement savings account Available for youth under 18 years of age Three withdrawals allowed per cycle; withdrawals after three will incur a $1 charge Limited to six pre-authorized, automatic, telephone or electronic transfer debits per cycle; $3 charge per item, thereafter
Regular Savings Account	$3	$50	Earn interest on daily balance of $10 or more	$50 minimum opening deposit Three withdrawals allowed per cycle; withdrawals after three will incur a $3 charge Limited to six pre-authorized, automatic, telephone or electronic transfer debits per cycle; $3 charge per item, thereafter
Access 90 Account	$15	$1,000	Earn interest on daily balance. Rate varies based on the applicable interest rate tier.	$1,000 minimum opening deposit Interest rate tiered on balances of: $0 to $24,999 $25,000 to $74,999 $75,000 to $149,999 $150,000 or greater Unlimited deposits allowed Withdrawals allowed during first ten days of each calendar quarter; after first ten days, a $25 charge will be incurred for each withdrawal
Christmas Club Account	N/A	N/A	Earn interest on daily balance of $10 or more	$5 minimum opening balance First Federal Bank checking account required Automatic transfers can be made weekly, bi-weekly, or monthly Monthly account statement combined with checking account statement Counter deposits accepted in $5 increments Balance transfer to checking account on October 31 each year, available on first business day after transfer $10 Close Out Service Charge if closed on any day other than November 1
Home Buyer Account	N/A	N/A	Earn interest on daily balance of $10 or more	$10 minimum opening deposit Funds used for a First Federal Bank home loan When combined with a qualified checking account*, earns higher yield than Regular Savings Account on daily balances of $10,000 or less Loan incentives Loss of 90 days simple interest on withdrawals for reasons other than First Federal Bank home loan
Health Savings Account (HSA)	$2.50	$500	Balances below $50 will not earn interest	Rates are subject to change Combines your high-deductible health insurance plan with an interest-bearing, tax-favored account Savings can be used for any qualified medical expenses - even those not typically covered by your plan Contributions to your HSA are 100% tax deductible** Unused savings or earnings can be used in future years

*Qualified Checking Account is defined as an active checking account with regular transactions such as deposits, checks, debit card transactions, etc.

**Applicable to all qualified medical expenses. Consult your tax advisor. Check with your insurance agent, or tax preparer, for details on qualified HSA plans.