Friendly bank teller helping a customer at First Street Banking

Personal Banking

Banking Built Around Your Life

From your first checking account to saving for retirement, we have the products and people to help every step of the way.

Checking Accounts

Everyday accounts with no surprises — just the features you need.

Free Checking

A no-frills account with no monthly fees and no minimum balance required.

  • No monthly maintenance fee
  • No minimum balance
  • Free debit card
  • Online & mobile banking
Open an Account
Most Popular

Interest Checking

Earn interest on your balance while enjoying all the convenience of a full-featured checking account.

  • Earn interest on every dollar
  • Free unlimited transactions
  • Free debit card & checks
  • Overdraft protection available
Open an Account

Senior Checking

Designed for members 60 and older with added benefits and no fees.

  • No monthly fee for members 60+
  • Free personal checks
  • Free money orders
  • Dedicated customer support
Open an Account

Savings Accounts

Grow your money with competitive rates and flexible options.

0.50%APY

Regular Savings

A simple, accessible savings account to start building your financial future.

Min. balance: $25

1.75%APY

Money Market

Higher yields for larger balances with easy access to your funds.

Min. balance: $2,500

4.25%APY

Certificate of Deposit

Lock in a competitive rate for 12–60 months and watch your savings grow.

Min. balance: $500

0.75%APY

Health Savings Account

Tax-advantaged savings for qualified medical expenses.

Min. balance: $0

Rates are subject to change. APY = Annual Percentage Yield. Fees may reduce earnings.

Personal Loans & Credit

Flexible financing for life's big moments — and the unexpected ones.

Personal Loan

From 7.99% APR·Borrow $1,000–$50,000

Fixed-rate loans for debt consolidation, home improvements, or any personal need.

Auto Loan

From 5.49% APR·New & used vehicles

Competitive rates on new and used vehicle financing with flexible terms up to 72 months.

Home Equity Loan

From 6.25% APR·Up to 80% LTV

Put your home's equity to work with a lump-sum loan at a fixed rate.

Personal Line of Credit

From 9.99% APR·Revolving credit

Access funds when you need them with a flexible revolving line of credit.

Ready to Get Started?

Visit our Bedford branch, call us, or open an account online today.