Savings Accounts

Next Generation Savings

Are you ready to get more for your money?  This is a tiered, interest-earning savings account with convenient digital online access and zero monthly services charges.


  • Free online and mobile access¹
  • Free eStatements
  • Free notary service
  • Unlimited account transfers to any First Federal Savings Bank/Home Building Savings Bank account
  • Minimum balance $100²
  • Interest rates increase based on balance. See current rates.

Christmas Club

A Christmas Club account is the perfect way to save for the holiday season. Open your Christmas Club savings account today and be prepared for the holiday rush!


  • $25 minimum deposit to open
  • $25 minimum balance to earn interest
  • No monthly service charge
  • FREE notary service
  • One time yearly distribution
  • There will be an early distribution fee of $10
  • Automatic renewal

1Data rates may apply

2Minimum balance fee applies.  Refer to Common Fee Schedule for applicable fees.



Deposit Operations Support strives to provide you with exceptional customer service.  We are available 8:00 am to 5:00 pm CST Monday through Friday (excluding bank holidays) to assist with inquiries and requests regarding these products.


Please contact us by calling 812-492-8200 or via email at

Lost/Stolen ATM Card

Please contact us Monday through Friday from 8:00 AM CST to 5:00 PM CST at (812) 492-8123, if your ATM or Visa Debit card is lost or stolen. After normal business hours, call (800) 554-8969.