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Savings, MMAs & CDs

Flexible savings options for life's wishes

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Whether saving for education, a family trip, or your retirement, we offer a variety of account options to help you reach your savings goals. With competitive rates and the ability to manage your accounts through Personal Online Banking and our First Foundation Bank Mobile app, growing your savings has never been simpler.

Money Market Accounts (MMAs)

Get all the benefits of a First Foundation Savings Account with the ability to earn higher interest rates based on the account balance. In addition, enjoy great flexibility of access to your account through check writing and a First Foundation Debit Card.

Savings Accounts

Our Personal Savings accounts offer competitive interest rates and unlimited in-person withdrawals and deposits. Through Personal Online Banking, you have the ability to set up automatic transfers from your First Foundation Bank Checking Account.

Certificates of Deposits (CDs)

Choose a CD with First Foundation and gain the certainty of knowing exactly what interest rate you will receive and for how long while you watch your savings grow. CDs reward your patience, as the longer you put your money away the more you earn.

All personal savings accounts at First Foundation Bank feature:

Nationwide ATMs without Fees
Pay no ATM fees nationwide with any of our personal checking accounts. Even with high-cost ATMs, you will have any charges credited back to your account.
24/7 Online Banking
Conveniently and securely access and manage your money from your computer, tablet, or mobile device.
External Account Transfers
Manage accounts across different banks or easily and securely transfer between accounts using Personal Online.
eStatements
No need for paper statements. eStatements provide a secure and convenient way to access your account activity online.
Bank with Confidence
First Foundation Bank delivers top-tier banking technology to keep your information safe and secure.
Well-Capitalized and FDIC Insured
First Foundation Bank is well-capitalized and all accounts are FDIC insured.

Compare your options

Compare your options
Personal Money Market
Higher balances earn higher rates(2)
Personal Savings
Interest bearing with minimal opening balance required
Senior Savings(1)
Benefits of personal savings while earning a higher interest rate
Personal CD
The longer you put your money away the more you earn
Personal IRA CD
Retirement Savings with a fixed return
Interest Bearing Included Included Included Included Included
Minimum Daily Balance to Earn Interest $2,500 $250 $250 N/A N/A
Opening Deposit Minimum $500 $100 $100 $2,500 $2,500
Monthly Fee $20.00 $3.00 $3.00 None None
Minimum Daily Balance to Avoid Monthly Fee $2,500 $250 $250 N/A N/A
Early Withdrawal Penalties(3) None None None Yes Yes
Withdrawals Allowed Six preauthorized withdrawals allowed
Six preauthorized withdrawals allowed Six preauthorized withdrawals allowed No No(4)
Free Debit Card Included Not Included Not Included Not Included Not Included
Free ATM Card Not Included Included Included Not Included Not Included
Unlimited Nationwide ATM Fee Reimbursement(5) Included Included Included Not Included Not Included
Check Writing(6) Included Not Included Not Included Not Included Not Included
Online Banking(7) Included Included Included Included Included
Bill Pay Included Not Included Not Included Not Included Not Included
Peer to Peer Money Transfer(8) Included Not Included Not Included Not Included Not Included
Free Quickbooks Downloads Included Not Included Not Included Not Included Not Included
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Photos of Personal Checking
Personal Checking

Look for a checking account to help manage your finances?

Designed to fit you, our Personal Checking accounts are simple, come loaded with features and make it easy for you to manage your finances the way and where you want to.

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