Monthly maintenance fee

No monthly fee. Annual fee of $35.00 (collected March 15th each calendar year)
Opening fee: $15.00

Best for you if

$5,950 for those with family coverage

If you are age 55 or older, take note. You have the option of making additional "catch-up" contributions. In 2009, the amount is $1,000.

Benefits & Features

Individuals who become covered by a High Deductible Health Plan after January are allowed to contribute up to the full annual limit, even if they were only eligible individuals for a portion of the taxable year, however, they must remain HSA eligible during a testing period.

Individuals are allowed to transfer the remaining balance in a health Flexible Spending Account (FSA) or a Health Reimbursement Arrangement (HRA) as of September 21, 2006 (or, if less, the balance on the date of the transfer) to an HSA. The transfer is a one-time only allowance and must be made before January 1, 2012.

Online Banking with Bill Pay and Presentment

ATM Card

Interest

Compounded daily and credited monthly.

Early closing fee of $25.00 (if closed within first 180 days)

Your deposits are FDIC insured up to $250,000 per depositor. Note that individual and joint accounts are insured separately, so if you have both types of accounts with us, your total deposits can be insured up to $500,000; that's up to $250,000 in all of your individual accounts, and up to an additional $250,000 in all of your joint accounts. First Federal’s FDIC certificate number is 28994 and can be viewed here. We are registered with the FDIC under the name First Federal Savings and Loan Association of Charleston. Learn more about FDIC insurance at www.fdic.gov.