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  • Achieving personal financial sustainability begins here – by saving. For a rainy day, or something your heart desires. Perhaps it’s saving for your family – a great dream vacation or a college education. Or the Big R – Retirement.
  • Certificates of Deposits & CDARS

    Whether you're just starting to save or have a lifetime's worth, setting aside money in a federally secure account is a smart and financially sustainable step. No matter what your lifestage, it's a good idea to save.

    Check out great rates and flexible terms, from one week to multi-year.

    Certificates of Deposit
    The longer you save, the more you earn. Check out current rates on CDs.

    IRA CD
    Need to make sure your money is safe and secure as you near retirement? check out great rates on 18-month IRA CDs.

    $50 million insured with CDARS
    Now you can enjoy the security and convenience of having all of your CDs with First Independent. As a member of the CDARS+ network, we are now able to offer FDIC insurance up to $50 million.

    Imagine that – one bank, one rate, one statement. All of your CDs. All federally insured.

    Learn more about...

    Ready to save? Visit any First Independent banking center or call one of our Client Service Specialists at 360.699.4293 or 888.341.2265.

  • Kids Savings & College Savings

    You've got a family now and it’s time to start saving - from their first account to a college education.

    Check out some easy ways to get started.

    College Savings
    College is expensive and it will continue to get even more so. Start saving early. Depending on your child’s age and likelihood of staying in-state or attending a private or public university, or even private grammar or college prep, we’re happy to talk with you about Coverdell or 529 Education Plans.

    The type of education plan that best fits your family's needs - Coverdell or 529 - depends on a number of factors, including the liklihood of your child(ren) staying in state for college, the flexibility of using the account for private primary or secondary school and the length of time you have to save until college.

    Visit any First Independent banking center to  get started.

    Kids SaveFirst
    Teach your children well. Saving takes practice, diligence and discipline. We make it fun to save with rewards.** So start them out now by adding a Kids SaveFirst account to your family of accounts.

    Every time you and your kids save, they're closer to a reward.

    Click here to find out what kids can earn when they save.

    Ready to save?
    Bring the family to any First Independent banking center.

  • Savings & Money Market Accounts

    The key to becoming sustainable is the ability to pay yourself first, to save. Financial experts recommend having a rainy day fund of liquid cash – such as a savings or money market account that can easily be accessed without financial penalty – to cover anywhere from two to six months of expenses.

    The more you save, the more you earn.

    Real Savings
    For the first time saver, take a full year to reach a $300 balance and avoid monthly fees. And when you auto transfer $25 or more per month from your checking to Savings or Money Market, or sign up for overdraft protection with your Savings or Money Market account, we'll deposit $10 in your account.++ If you save $600 or more, we'll double your interest earned during the first year.

    Regular Savings
    Put money away for a rainy day, a home project or a great vacation. And when you auto transfer $25 or more per month from your checking to Savings or Money Market, or sign up for overdraft protection with your Savings or Money Market account, we'll deposit $10 in your account.++

    Money Market
    The more you save, the more you earn. And when you auto transfer $25 or more per month from your checking to Savings or Money Market, or sign up for overdraft protection with your Savings or Money Market account, we'll deposit $10 in your account.++

    Check current rates.

    Ready to save?
    Visit any First Independent banking center or call one of our Client Service Specialists at 360.699.4293 or 888.341.2265.


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Member FDIC. Equal Housing LenderEqual Housing Lender

All loans and credit lines are subject to credit approval.

** Requires adding two or more products or services at account opening. Report will not affect credit score. Upon redemption, client will have access to a credit specialist from Equifax. No cash value.

+ Requires a $20,000 minimum deposit that cannot be transferred from another First Independent account. Rate increase applies to a maximum of 10 CD accounts. Maximum deposit amount eligible to receive .25% annual percentage yield increase is $1,000,000. Maximum term eligible to receive .25% yield increase is 24 months.

++ Subject to IRS reporting and applicable income taxes. Limit one per account. Requires minimum $25 monthly auto transfer or overdraft protection must be taken from a First Independent Savings or Money Market Account to a First Independent Checking Account. Offer available only at account opening.

+ Funds may be submitted for placement only after a depositor has signed a Deposit Placement Agreement with a member bank. This agreement contains important information and conditions regarding the placement of funds by a member bank. CDARS is a service mark of Promontory Interfinancial Network, LLC.