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Deposit Terms and Conditions
Deposit Rates
Please call First Federal Savings & Loan Association of Valdosta, 229-244-0164 to verify all rates or you can call our RATE LINE available on our SUPER TELLER @ 229-249-8825. Remember that you may reach our Customer Service Representatives by email at customerservice@1stfederalvaldosta.com or by choosing the CHAT feature on that product page. Rates are subject to change at any time.
Deposit Terms and Conditions
Product | Minimum to Open | Min. Daily Balance to Earn APY |
Statement Savings | 100.00 | 100.00 |
Christmas Club Savings | 10.00 | 10.00 |
*Annual Percentage Yield (APY) and rate subject to change without notice, rate may also change after the account is opened, and other factors/fees may reduce account earnings. Please contact our customer service staff for terms and conditions on these accounts.
Product | Minimum to Open | Min. Daily Balance to Earn APY |
Student Smart Choice Checking | 25.00 | N/A |
Smart Choice Checking | 50.00 | N/A |
Premier acct, Senior, Sole Proprietor | 200.00 | 500 - 4,999 5,000 - 9,999 10,000 and over |
Small Business Checking | 200.00 | None |
Business Checking | 200.00 | None |
*Annual Percentage Yield (APY) and rate subject to change without notice, rate may also change after the account is opened, and other factors/fees may reduce account earnings. Please contact our customer service staff for terms and conditions on these accounts.
Minimum to Open | Min. Daily Balance to Earn APY |
1000.00 | 1,000 – 9,999 10,000 - 24,999 25,000 - 99,999 100,000 - 499,999 500,000 - 999,999 1,000,000 and over |
*Annual Percentage Yield (APY) and rate subject to change without notice, rate may also change after the account is opened, and other factors/fees may reduce account earnings. Please contact our customer service staff for terms and conditions on these accounts.
Term** | Minimum to Open | Min. Daily Balance to earn APY |
91 day | 1,000.00 | 1,000.00 |
182 days | 1,000.00 | 1,000.00 |
1 year | 1,000.00 | 1,000.00 |
13 month | 1,000.00 | 1,000.00 |
2 years | 1,000.00 | 1,000.00 |
25 month | 1,000.00 | 1,000.00 |
3 years | 1,000.00 | 1,000.00 |
3 yr. Youth Variable | 250.00 | 250.00 |
37 month Bump-up | 1,000.00 | 1,000.00 |
4 years | 1,000.00 | 1,000.00 |
5 years | 1,000.00 | 1,000.00 |
*Annual Percentage Yield (APY) and rate subject to change without notice.
**Withdrawal prior to maturity date could be subject to substantial penalties. Please contact our customer service staff for terms and conditions on these accounts
Term | Minimum to Open | Min. Daily Balance to earn APY |
1 Year | 250.00 | 250.00 |
2 Years | 250.00 | 250.00 |
3 Years | 250.00 | 250.00 |
5 Years | 250.00 | 250.00 |
5 Year Variable | 250.00 | 250.00 |
*Annual Percentage Yield (APY) and rate subject to change without notice, rate may also change after the account is opened, and other factors/fees may reduce account earnings. Please contact our customer service staff for terms and conditions on these accounts.
Product | Minimum to Open | Min. Daily Balance to earn APY |
Health Savings Account | 100.00 | 500.00 |
*Annual Percentage Yield (APY) and rate subject to change without notice. Please contact our customer service staff for terms and conditions on these accounts
