Account openings are subject to Bank approval.

*A check will be issued at the close of the club year or you may request that funds be directly deposited to another First Federal account.

**If any withdrawal is made from the account before maturity the account may be closed.

If you close your account before interest is credited, you will not receive the accrued interest.  If the account is closed within the first six months an early close fee will be assessed.  We may change the interest rate on your account at any time and without prior notice after the account is opened.  Nonsufficient fund fees of $37.00 per debit item may apply if you withdraw more funds than are available in your account.