What We Offer

Proudly serving our customers since 1935.

Products and Services



  • Statement Savings

Features and Benefits

Certificates of Deposit

  • 6-month Certificate of Deposit
  • 12-month Certificate of Deposit
  • 24-month Certificate of Deposit
  • 48-month Certificate of Deposit

Health Savings Account

Individual Retirement Accounts

  • Traditional and Roth IRAs
  • Simple IRA (Savings Incentive Match Plan for Employees)
  • Simplified Employee Pension (SEP) Plan
  • Coverdell Education Savings Account

Heritage Money Market

Tiered rate money market checking

Home Loans

Apply Online

Personal Loans

  • Personal Reserve Line of Credit
  • Share Loans (Certificates of Deposit collateral)
  • Unsecured Loans

Business Banking

Contact our Cash Management Team:

Kim Wells


kwells@efirstfederal.com Do Not Email Private Info

Daniel Bennett


dbennett@efirstfederal.com Do Not Email Private Info

  • Business Checking
  • Cash Management Services
  • Credit Cards
  • Credit Card Machines and Processing
  • E-ACH Batch Origination (Payroll and Fee Collection)
  • eWires
  • Positive Pay
  • Remote Deposit Capture

Business Loans

  • Business Ownership and Expansion
  • Commercial Real Estate
  • Equipment and Vehicle Loan/Lease
  • Working Capital
  • Lines of Credit
  • SBA Loans