Savings, Money Market, CD, and HSA

FirstMerit Savings Accounts

A FirstMerit savings account can put you on the road to meeting many of your financial goals,
whether in a new car, a rainy day fund or a retirement nest egg. And of course, your savings
are covered by FDIC insurance for extra security.

FirstMerit Reality Savings

Banking just keeps getting better at FirstMerit. Introducing, Reality Savings. This account will change your definition of savings.

With Reality Savings you get:

Great Interest Rate
Open with a $1.00
Earn interest on all balances
Tie it to your FirstMerit debit card for easy access to your money
No charge from us for using another bank's ATMs
Set up direct deposit to help you save more

With Reality Savings, if you have a FirstMerit checking account with at least two debit or credit transactions in a statement cycle, there is no maintenance fee.

Come in and open one today.

FirstMerit Statement Savings

We offer an easy, convenient way for you
to put money aside. You'll have instant access
when you need it.

Earn interest on all balances when you keep a minimum daily balance of $50 in the account
Higher balances may earn higher interest
Automatic transfers make it easy to save
Quarterly statements show all account activity
FirstMerit ATM card for 24-hour banking
Use our direct deposit service in
cooperation with your employer

Use our savings calculators to see how fast your savings can grow.

Federal regulations restrict you to six pre-authorized transfers per month. The law allows
unlimited withdrawals at our teller counters and ATMs. A charge will be assessed for each
pre-authorized transfer, exceeding six, per statement cycle.

FirstMerit High Yield Money Market

When you keep higher balances, you can earn consistently high returns with the FirstMerit High Yield Money Market Account. FirstMerit High Yield Money Market Account combines the liquidity of a savings account, the return of a CD and the security of FDIC coverage all in one account.

Interest earned on all balances — higher balances may earn higher interest
Easy access to your money at your local branch or ATM
Check writing capability — up to three checks per month*
Unlimited transactions at FirstMerit teller counters and ATMs
Use our direct deposit service in cooperation with your employer

For the current rate information please stop into your closest FirstMerit bank branch or call the FirstMerit Customer Contact Center at 1-888-554-4362, in the Akron area please call 330-996-6025.

*Federal regulations restrict you to six pre-authorized transfers per month, including no more than three checks. The law allows unlimited withdrawals at our teller counters and ATMs. A charge will be assessed for each pre-authorized transfer exceeding six per statement cycle (or checks exceeding three per cycle).

FirstMerit Certificates of Deposit

To help you save money in an easy, secured and insured investment, we offer a variety of Certificate of Deposit options. You may choose the CD term and interest payment options that best meet your needs.

Your choice of terms, from 30 days to 5 years
Safe, secure, FDIC-insured up
to maximum allowed
A choice of interest payment
options - monthly, quarterly, etc.
Minimum investment required*
Penalty for early withdrawal

Use our savings calculators to determine how much your investment will grow.

*To open a 6-month CD Special requires a minimum investment of $1,000. To open a 4-month, 12-month or 24-month CD Special requires a minimum of $5,000 not currently on deposit at FirstMerit.

CD Rate Special

Term	Annual Percentage Yield
4 months	2.35%
6 months	2.50%
12 months	3.75%
24 months	4.00%

To learn more, stop by any FirstMerit branch, call us toll - free at 888-554-4362, or use our branch locator to find the FirstMerit Branch closest to your home or office.

Limited time offer. The APY shown is effective as of 11/19/08. No brokered deposits. A penalty may be imposed for early withdrawal.

A healthier insurance option.

You may be eligible to take advantage of Health Savings Accounts - an innovative way
to save for medical expenses that was created as a result of the Medicare Prescription Drug,
Improvement and Modernization Act of 2003.

You're eligible if you:

Have coverage under an HSA-qualified "high deductible health plan" (HDHP)
Have no other first-dollar medical coverage (other types of insurance like specific injury insurance or accident, disability, dental care, vision care, or longterm care insurance are permitted).
Are not enrolled in Medicare.
Cannot be claimed as a dependent on
someone else's tax return

With FirstMerit Health Savings
Account products, you can:

Save money on health insurance and taxes.
Earn money on your investment
just like an IRA account.
Take advantage of more options
with your healthcare dollars.
Save more easily for future medical expenses.
Roll balances over from year to year.

An HSA provides you triple tax savings:

Tax deductions when you
contribute to your account.
Tax-free earnings through investment.
Tax-free withdrawals for
qualified medical expenses.

FirstMerit offers the following
Health Savings Account services -

FirstMerit Health Checking, FirstMerit Health Money Market, and FirstMerit Health CDs. For current rate information, please call the FirstMerit contact center
at 1-888-554-4362.

Product Information
Frequently Asked Questions