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Savings Accounts & Money Market Accounts

Use our online savings calculator to figure out how much you need to save to reach a specific goal.


Earner Savings Account
Our basic passbook savings account. There is no service charge when you maintain an average collected balance of at least $100.

Young Savers Earner Account
A special savings program for kids up to the age of 18. The minimum opening deposit is just $1.00, the account earns interest and there is no monthly service fee. In addition, Young Savers account holders receive a personalized cash birthday greeting each year.

First Money Fund
An investment account earning money market rates. There is no service charge when you maintain an average collected balance of at least $1,000 (or a minimum balance of $4000 in an Earner Savings Account).

First Savers Advantage
A savings account that offers the easy access and flexibility of a traditional savings account while paying money market rates on higher balances. There is no service charge when you maintain an average collected balance of $10,000 or more.

First Premier Plus
A money market account that earns a higher rate of return based on account balances. This account allows you the convenience and flexibility to access your funds through a variety of sources when needed and still earn interest on a daily basis. There is no monthly service charge when you maintain an average collected balance of $20,000 or more.

Christmas Club
A smart way to save for holiday purchases. Make deposits in any amount you wish at any time.
* $5.00 penalty for early withdrawal. Early closeout of this account results in a $15 fee and forfeiture of accrued interest.

Vacation Club
A special account for travel savings. Set up direct deposit to make it easier to save on a regular basis. When it's time to hit the road, you'll enjoy the freedom of knowing you have the cash you need for a carefree trip.
* $5.00 penalty for early withdrawal. Early closeout of this account results in a $15 fee and forfeiture of accrued interest.

Certificates of Deposit
CDs are available in three-month to five-year terms at competitive rates. First Financial Bank frequently offers CD specials exclusively at our banking centers. Stop by -- you'll find the specials posted in each banking center.

Individual Retirement Accounts
In addition to the traditional IRAs, First Financial Bank offers the Roth IRA. With a Roth IRA, each individual can save up to $5,000 annually ($6,000 if age 50 or above) and pay NO TAX on the interest earned. Both principal and interest may be withdrawn tax free after the account has been open at least five years and:

  • You reach age 59 1/2 or
  • You become disabled or
  • You are using the money to buy a first home. Up to $10,000 may be withdrawn tax free and penalty free for this purpose.

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