Certificates of Deposit

First Financial's certificates are designed for investors who want a higher interest rate than traditional savings accounts offer, and also who want to invest their money for a specific period of time. Our certificates feature flexible maturity terms in which you can select terms from 3 months to 60 months.

Open a certificate with a minimum deposit of $1,000 and you'll earn dividends from the day of deposit to the day of withdrawal. Your certificate will automatically renew into a like term upon maturity. You have 7 days upon maturity to withdraw the certificate funds without a withdrawal penalty.

Visit our site periodically to check for certificate promotions, and current rates.



Step-Up Certificates:
The unique feature of the Step-Up CD is that you can take advantage of any future rising CD rates during the life of the CD by adding a minimum deposit(s) of $2,500 depending on the term selected. Check out our current rates.
  • The 13-month term allows for one additional minimum deposit of $2,500.
  • The 25-month term allows for two additional minimum deposits of $2,500.
  • The 37-month term allows for three additional minimum deposits of $2,500.
If you decide to make additional deposits to the Step-Up CD, you have two options:
If the interest rate is higher at the time you make the additional deposit, you may opt for the higher interest rate; or,
If the interest rate is lower at the time you make the additional deposit, you may wish to add the amount to the principle only and keep the original rate.