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Personal Banking

Checking | Savings | Lending | Additional Services

Making a difference is important to us at First Federal. We’re a mutual organization, and that in itself makes us different. We’re partners with every customer, and we invest proceeds into the communities we serve. Our focus is on serving, and our banking products are designed to meet your real day-to-day financial needs. And with every First Federal personal checking account, you’ll enjoy a free gift, free Online Banking and Bill Pay, our easy-to-balance monthly statement and a no-fee Visa® Check Card (subject to approval). We’ll even give you up to $25 for your old checks and check card! All it takes is a $50 minimum deposit to open your account. Ask any First Federal representative for details.

 

Checking (top)

Totally Free Checking

VIP Free Interest Checking

Free checking with the convenience of direct deposit or any automatic payment!

50+ Free Interest Checking

Low Minimum + Interest Checking

High Yield Checking

No Minimum + Interest Checking

eChecking + Interest

Savings (top)

Statement Savings Account

See all your savings activities on a single monthly statement or, even better, combined with your monthly checking statement. Ask for this convenient combination.

Money Market Deposit Account

Earn competitive interest with the convenience of check writing and in-person withdrawals. Some withdrawal restrictions apply. You may check current interest rates here.

Certificates of Deposit

First Federal offers Certificates of Deposit with varying terms and fixed or variable rates. Ask about the options to fit your individual needs. Some withdrawal restrictions apply. You may check current interest rates here.

Kids Savings Club

Good savings habits start early with First Federal’s Kids Savings Club Account. Collect your allowance, birthday and holiday gift money in your piggy bank and bring it to First Federal. Then watch your savings grow. $1 minimum opening balance.

Holiday Club Account

Arrange for automatic deposits to be placed into your Holiday Club Account, and you’ll be ready for holiday shopping. You’ll receive your funds in November, just in time for holiday shopping.. Happy Holidays!

Health Savings Account (HSA)

Plan for wellness, health care and medical emergencies with a First Federal Health Savings Account.  Our HSA  lets you save for health expenses and grow unused funds for retirement. Call today and talk with us about a Health Savings Account.

Individual Retirement Accounts

First Federal provides both Traditional and Roth IRA plans to maximize retirement savings. Earnings may grow tax-deferred and may be deductible from current income, depending on the plan you choose. We can put together plans with flexible distribution options as well as great options for accumulating IRA funds before you invest in higher yield term IRA certificates, transfer to another IRA, or as you anticipate mandatory annual IRA distributions. Consult your tax advisor and talk with us about options and details.

Coverdell Education Savings Account

Coverdell Education Savings Accounts (ESA) were created to provide qualified investors with a flexible, tax-advantaged option for saving for qualified expenses associated with elementary, secondary or higher education. Funds contributed are considered a gift to the designated beneficiary. Assets grow tax-free and may be distributed free of penalty or federal income tax liability for qualified educational expenses such as tuition, fees, books, supplies (including computers), and, in certain circumstances, room and board. Assets can be rolled from the account of one beneficiary to an ESA of a qualified family member. Consult your tax advisor and ask a First Federal representative for details.

Personal Lending

First Federal is proud to invest in the Olympic Peninsula. One way we do that is by offering the financing you need for new or used vehicles, boats, RVs, vacations, debt consolidation and more. Decisions are made locally, right here on the Peninsula, by neighbors who understand your needs. And because decisions are made here, they’re made quickly.

Home Equity Loans and Lines of Credit

You can put the equity you’ve been building in your home to work with a First Federal Home Equity Loan or Line of Credit. Use your funds for home improvements or additions, for auto financing, for vacations, major purchases, unexpected expenses and  more. Interest rates are often lower than other financing options, and your interest may be tax-deductible. Consult your tax advisor and ask a First Federal representative about options to fit your individual needs.

Personal Access Line (PAL)

Your First Federal PAL gives you flexibility and freedom with a pre-approved line of credit. Access pre-approved reserve funds as easily as writing a check or make a request in person. Enjoy overdraft protection with coverage from your credit line. Payments are automatically deducted from your checking account. Ask for details.

Touch Tone Teller  360-457-0464

Access your First Federal accounts by phone 24 hours a day, every day of the year. Transfer funds between accounts, check on balances or cleared checks, make regular loan payments, check loan balances and more.

Online Banking and Bill Pay

You’re in control 24 hours a day, 7 days a week with First Federal’s secure Online Banking and Bill Pay. Transfer funds between First Federal accounts, schedule bill payments, verify transactions and balances. And you can do it all whenever you want, from anywhere you have Internet access.

Automatic Savings Plan

Ensure that you’re saving for the future with a First Federal automatic monthly transfer from your First Federal checking account to statement savings, nine month variable rate CD or VIP IRA account.

Additional Services (top)

First Federal is your banking partner, working with you to make your financial life easier and more convenient. In your life and in the communities where we all live and work, we’re making a difference. Together.