Savings & Club Accounts

Share Savings

A $5.00 deposit with your membership application begins your membership.
This high yielding account is federally insured up to $100,000 by the National Credit Union Administration (NCUA), an agency of the United States government.
Make deposits to a First Financial FCU savings account through:

payroll deduction
First Financial FCU ATMs
your local branch office
the U.S. mail.

For your convenience, a night deposit box is also available at the main office in Lutherville (North Entrance, off of Greenridge Road).

Christmas Club & Summer Pay Plan

You'll earn the same high dividend rate as our regular share savings account with both the Christmas Club & Summer Pay Plan. Deposits can be made through payroll deduction, at any office location or through the mail.

Christmas Club

Save year round for holiday expenses with our Christmas Club account. On November 1 of each year, the balance in this account will automatically transfer to your regular share savings account for easy access. Payroll deductions will automatically continue for the following year.

Christmas Club Application Form * (Requires Adobe Acrobat)

Summer Pay Plan
A favorite for our 10-month educational employees, the Summer Pay Plan allows you to:

Save throughout the school year for summer expenses.

Decide how much you will need during the summer months and schedule payroll deduction into your account throughout the school year.

On July 1st and 15th, and again on August 1st and 15th of each year, your funds will automatically be transferred into your First Financial savings or checking account.

Or, you may choose to make up to four withdrawals after July 1 by visiting any First Financial office, by calling Touch-Tone Teller or accessing OnLine Teller.

You may also make automatic loan payments from your summer pay plan for your July and August loan payments.

Summer Pay Plan Signup Form * (Requires Adobe Acrobat)

Secondary Savings Account

Need a savings account to save for something special? First Financial's secondary savings account has the same privileges as our regular share savings account and earns the same high dividend rates.

Custodial Accounts

This savings account is administered by an adult for the benefit of a minor child. The Custodian determines whether the minor child gains access to the account at age 18 or 21. The Custodian can have access to the account through a First Financial ATM card. This account earns the same high yield (link to savings rates) as a regular savings account with First Financial.

* These are Adobe Acrobat PDF files. If you do not have Adobe Acrobat Reader, you can click a link below for your free download.

Instructions for Internet Explorer and AOL users.
Instructions for Netscape users.

For fees and conditions for these accounts refer to the Important Policies and Schedule of Fees