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Rates & Fees

First Financial Bank offers competitive interest rates and account fees for our deposit and loan products.  Rates for our interest-bearing products are included below.  Fees for all products are also included below.

Loan Rates

Contact a Loan Officer at any Branch Location for rates!!!

Checking Account Rates

Account TypeInterest RateAPY*
Money Market (balance $0.00 - $999.99)  0.00%  0.00% 
Money Market (Balance $1,000.00 - $4,999.99)  0.15%  0.15% 
Money Market (Balance $5,000.00 - $24,999.99)  0.15%  0.15% 
Money Market (Balance $25,000.00 - $49,999.99)  0.15%  0.15% 
Money Market (Balance $50,000.00 and up)  0.20% 0.20%
Performance Checking (Balance $0.01 to $9,999.99)  0.00% 0.00%
Performance Checking (Balance $10,000.00 to $49,999.99)  0.15% 0.15%
Performance Checking (Balance $50,000.00 to $499,999.99)  0.20% 0.20%
Performance Checking (Balance $500,000.00 to $999,999.98)  0.20%  0.20% 
Performance Checking (Balance $999,99.98 and up)  0.20% 0.20%
Minimum initial deposit - $1,000 

Savings Account Rates

Account TypeInterest RateAPY*
Regular Savings (Balance $0.01 - $49.999.99) 0.15%  0.15% 
Regular Savings (Balance $50,000.00 and up) 0.20%  0.20% 
Minimum initial deposit - $100

CD and IRA Rates

Account TypeInterest RateAPY*
6 Month CD (pay at maturity)  0.20%  0.20% 
6 Month CD 0.20%  0.20% 
11 Month Premium CD (Minimum opening deposit of $1,000) 0.25%  0.25% 
12 Month CD 0.25%  0.25% 
14 Month CD 0.25% 0.25%
16 Month CD (one time option to change rate+)
(minimum opening deposit of $1,000)
0.25% 0.25%
18 Month CD 0.25% 0.25%
19 Month CD 0.25% 0.25%
22 Month CD (Minimum opening deposit of $1,000) 0.25% 0.25% 
24 Month CD 0.25% 0.25%
30 Month CD 0.25% 0.25%
36 Month CD 0.48% 0.48%
48 Month CD 0.60% 0.60%
60 Month CD (no option) 0.85% 0.85%
12 Month Variable Rate IRA 0.25% 0.25%
Substantial Penalty may be imposed for early withdrawal.
Minimum initial deposit - $1,000.00 for terms less than one year, unless otherwise indicated.
Minimum initial deposit - $100.00 for terms one year or greater, unless otherwise indicated.
+If we increase the rate we offer on this CD, the customer may request and we will provide the higher rate to the existing account.
*Annual Percentage Yield
Rates are subject to change.
Only local deposits accepted.
Fees may reduce the earnings on deposit accounts.

Fees

The following fees may be assessed against your account and the following transactions limitations, if any, apply to your account.

ItemFee
Check Printing fee depends on style and quantity of checks ordered
Beyond Free Checking free standard checks (limited to 1 box per year)
Official Checks $5.00 
Dormant Account Fee (charged quarterly)* $15.00 
Account Close-Out Fee (if account is closed within 90 days of opening) $15.00 
Negative Balance Fee $3.00/day 
Nonsufficient Funds (NSF) - Each paid or returned $5 or less ** $5.00
Nonsufficient Funds (NSF) - Each paid or returned over $5 ** $33.00 
Overdraft Fee - Each overdraft paid $5 or less ** $5.00
Overdraft Fee - Each overdraft paid over $5 ** $33.00 
Uncollected Funds Fee $33.00 
Account Activity Print Out $1.00/page 
Account Research $25.00/hour 
Account Balancing Research $25.00/hour 
Return Item Fee $6.00 
Redeposit of Returned Item $3.00 
Stop Payments
Single Item
Range of Items

$33.00
$50.00 
Wire Transfers
Incoming
Outgoing

$15.00
$20.00 
International Wire Cost + $10.00
Copy of Check $2.50 
Faxed Item $3.00 for 1st page, $1.00 for each additional page 
Internet Banking Bill Payment Service FREE
PopMoney ® fee depends on type of service utilized
Replace Loan Coupon Book $5.00 
Replacement / Reinstatement of ATM or Check Card $5.00 
PIN Replacement Request $1.50 
Telephone Transfer $3.00 
Telephone Banking $1.00/call 
Counter Checks (up to 5) $2.00 
On-Us Check Cashing for Non-Account Holders $5.00/check 
 Legal Fee $100.00
Safe Deposit Box (available at most locations)
3x5
3x10
5x10
7x10
10x10

$20.00 annually
$35.00 annually
$50.00 annually
$60.00 annually
$90.00 annually
*An account is dormant if for two years you have made no deposits or withdrawals to the account.
**The categories of transactions for which an overdraft or NSF fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means.
We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time deposit prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.