Certificates & Money Markets

¹APY = Annual Percentage Yield. Certificates dividends are compounded daily and credited monthly. These Dividend Rates(s) and Annual Percentage Yields(s) shown may change at any time as determined by our Board of Directors. Fees and/or penalties may reduce earnings.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For withdrawals made during the first 6 days the Account is open, the amount of the penalty will equal 7 days’ dividends. For Accounts with a term to maturity less than 13 months the penalty will equal all accrued dividends, subject to a maximum of 90 days’ dividends. For Accounts with a term to maturity greater than 13 months the penalty will equal all accrued dividends, subject to a maximum of 180 days’ dividends. 

²Members must meet Better Rewards Checking eligibility requirements at the time of opening or renewing a share certificate in order to receive the rewards rate. Other terms and conditions may apply.

Automatic renewal options available upon maturity. Share Certificates automatically renew to like terms. See Agreements & Disclosures for renewal policies.

¹APY means annual percentage yield and is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding. Dividends are compounded daily and credited monthly. Fees or penalties may apply for early withdrawals and may reduce earnings. These Dividend Rates(s) and Annual Percentage Yields(s) shown may change at any time as determined by our Board of Directors.

²One time penalty free withdrawal after 7 days. Early Withdrawal Provisions. We will impose a penalty if you withdraw any of the principal funds before the maturity date. For withdrawals made during the first 6 days the Account is open, the amount of the penalty will equal 7 days’ dividends. For Accounts with a term to maturity less than 13 months the penalty will equal all accrued dividends, subject to a maximum of 90 days’ dividends. For Accounts with a term to maturity greater than 13 months the penalty will equal all accrued dividends, subject to a maximum of 180 days’ dividends. 

³Automatic renewal options available upon maturity. Share Certificates automatically renew to like terms. See Agreements & Disclosures for renewal policies.

⁴Additional deposits may be made to Certificate Builder account prior to maturity. Principal balance or additional deposits after account opening may not exceed $10,000. Deposits exceeding maximum balance may be distributed to a new Certificate Builder account.

¹Certificate dividends are compounded daily and credited monthly. These Dividend Rates(s) and Annual Percentage Yields(s) shown may change at any time as determined by our Board of Directors.

²Early Withdrawal Provisions. A penalty will be imposed if any of the principal funds are withdrawn before the maturity date. For withdrawals made during the first 6 days the account is open, the amount of the penalty will equal 7 days’ dividends. For accounts with a term to maturity less than 13 months the penalty will equal all accrued dividends, subject to a maximum of 90 days’ dividends.

³3-month Share Certificate Special is available for a limited time and can be modified or withdrawn by First Financial at any time without notice. Minimum amount required to open is $500. Fees or penalties may reduce earnings. 3-month Share Certificate Special will automatically renew for a 3-month term unless directed to close the share or renew for another available term. Special annual percentage yield terminates when the share certificate renews or when the share is closed. Other terms and conditions may apply. New Money means opening funds must originate from a financial institution other than First Financial Federal Credit Union within 30 days prior to date of share certificate origination.

⁴9 month Share Certificate Special is available for a limited time and can be modified or withdrawn by First Financial at any time without notice. Minimum amount required to open is $5,000. Fees or penalties may reduce earnings. 9 Month Share Certificate Specials will automatically renew for 9 month terms unless directed to close the share or renew for another available term. Special annual percentage yield terminates when the share certificate renews or when the share is closed. Other terms and conditions may apply. New Money means opening funds must originate from a financial institution other than First Financial Federal Credit Union within 30 days prior to date of share certificate origination.

⁵11 month Share Certificate Special is available for a limited time and can be modified or withdrawn by First Financial at any time without notice. Minimum amount required to open is $25,000. Fees or penalties may reduce earnings. 11 Month Share Certificate Special will automatically renew for a 12 month term unless directed to close the share or renew for another available term. A one-time penalty free withdrawal option is available when the entirety of the funds are withdrawn and the account is closed prior to the maturity date. Special annual percentage yield and one-time penalty free withdrawal option terminates when the share certificate renews. This certificate cannot be opened through Online or Mobile Banking