Rates

APY = Annual Percentage Yield. Rates effective as of April 25, 2024 and subject to change.

Current Specials – CDs, Health Savings CDs and IRAs Learn More

Term Interest Rate APY1
7 Months 4.90% 5.01%
13 Months 4.70% 4.80%

1APY = Annual Percentage Yield

$5,000 minimum balance required to receive monthly checks

Minimum $500 to open account. Fees may reduce earnings. Penalties for early withdrawal.

Certificates of Deposit (CDs) Learn More

Term Interest Rate APY1
91 Days 0.20% 0.20%
6 Months 0.20% 0.20%
12 Months 0.40% 0.40%
18 Months 0.50% 0.50%
24 Months 0.60% 0.60%
30 Months 0.65% 0.65%
36 Months 0.70% 0.70%
48 Months 0.75% 0.75%
60 Months 0.80% 0.80%

1APY = Annual Percentage Yield

Minimum $500 to open account. $5,000 minimum balance required to receive direct deposit. Fees may reduce earnings. Penalties for early withdrawal.

Health Savings Certificate of Deposit (CD) Learn More

Term Interest Rate APY1
91 days 0.20% 0.20%
6 months 0.20% 0.20%
12 months 0.40% 0.40%
18 months 0.50% 0.50%
24 months 0.60% 0.60%
30 months 0.65% 0.65%
36 months 0.70% 0.70%
48 months 0.75% 0.75%
60 months 0.80% 0.80%

1APY = Annual Percentage Yield

Tax-exempt account established for paying or reimbursing qualified medical expenses.

Minimum $500 to open account. $5,000 minimum balance required to receive direct deposit. Fees may reduce earnings. Penalties for early withdrawal.

First Fed Cash Learn More

Balance Minimum Required Opening Deposit Interest Rate APY1
$0 - $10,000 $50 1.99% 2.01%
$10,000+ $50 0.25% 0.25%
All balances if qualifications* not met $50 0.01% 0.01%

1APY = Annual Percentage Yield

*Qualifications

Simply do the following each monthly qualification cycle:

  • Have at least one direct deposit or ACH payment transaction post and settle
  • Have at least 12 signature-based debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements

If you don't qualify, don't worry. There is no penalty or sudden mystery charge. First Fed Cash is always free and will earn the base rate of interest. You can get back to earning the full rewards the very next monthly qualification cycle!

First Fed Cash Back Learn More

Balance Minimum Required Opening Deposit
No Minimum Balance $50

2.00% Cash Back earned on debit card purchases when qualifications* are met

  • No category restrictions on purchases
  • Cash back earned on up to $300 in purchases monthly
  • Earn up to $72 cash back per year; $6 per month

*Qualifications

Simply do the following each monthly qualification cycle:

  • Have at least one direct deposit or ACH payment transaction post and settle
  • Have at least 12 signature-based debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements

If you don't qualify, don't worry. There is no penalty or sudden mystery charge. First Fed Cash Back is always free. You can get back to earning the full rewards the very next monthly qualification cycle!

Checking

Product Minimum Balance Interest Rate APY1
First Choice Checking $0.01 0.01% 0.01%

1APY = Annual Percentage Yield

First Fed Plus Savings Learn More

Balance Minimum Required Opening Deposit Interest Rate APY1
Entire balance $1 0.71% 0.71%
All balances if qualifications* not met $1 0.01% 0.01%

1APY = Annual Percentage Yield

*Qualifications

Qualifying for your First Fed Plus Cash rewards automatically qualifies you for the highest First Fed Plus Savings rate, too. To earn your rewards, just do the following transactions and activities in your First Fed Plus Cash account during each Monthly Qualification Cycle:

  • Have at least one direct deposit or ACH payment transaction post and settle
  • Have at least 12 signature-based debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements

If you don't qualify, don't worry. There is no penalty or sudden mystery charge. First Fed Plus Cash is always free and will earn the base rate of interest. You can get back to earning the full rewards the very next monthly qualification cycle!

Savings

Product Minimum Balance Interest Rate APY1
First Choice Savings $100 0.02% 0.02%
Christmas Club none 0.02% 0.02%
Vacation Club none 0.02% 0.02%

1APY = Annual Percentage Yield

First Choice Money Market Learn More

Minimum Balance Interest Rate APY1
$0.01 - $2,499.99 0.04% 0.04%
$2,500 - $14,999.99 0.40% 0.40%
$15,000 - $49,999.99 0.60% 0.60%
$50,000 - $99,999.99 1.00% 1.00%
$100,000+ 1.15% 1.16%

1APY = Annual Percentage Yield

Health Savings Account Learn More

Minimum Balance Interest Rate APY1
$0.00 - $999.99 0.05% 0.05%
$1,000 - 4,999.99 0.06% 0.06%
$5,000 - $24,999 1.25% 1.26%
$25,000 - $49,999 2.25% 2.27%
$50,000 and over 3.00% 3.04%

1APY = Annual Percentage Yield

Home Loans Learn More

Product Rate APR1 Terms
First Lien Residential Mortgage2 7.375% 7.522% Based on a 30 year fixed rate loan of $100,000, 25% down payment and credit score of 740
Home Equity Line of Credit 8.250% 8.250% Based on a loan to value of 80% and credit score of 720

1APR = Annual Percentage Rate

2Rates are subject to change. The bank reserves the right to change rates, terms and conditions without notice. Subject to credit approval. Loans must be secured with a 1-4 family, owner-occupied dwelling.

Auto Loans Learn More

Product Rate APR1 Terms
New Auto - 2022-2023 6.79% 7.691% Based on a 6-year fixed rate loan of $10,000 and a credit score of 720
Used Auto - 2018-2022 7.090% 8.262% Based on a 5-year fixed rate loan of $10,000 and a credit score of 720

1APR = Annual Percentage Rate.

Rates may vary depending on Credit Score and Loan-To-Value. Minimum loan amount of $3,000. Proof of insurance is required at closing.

Boat Loans Learn More

Product Rate APR1 Terms
Loan of $8,000-$14,999 7.490% 8.549% Based on a 5-year fixed rate loan of $10,000 and a credit score of 720

1APR = Annual Percentage Rate

Rates may vary depending on Credit Score and Loan Amount. Minimum loan amount $3,000. Proof of insurance is required at closing.

DISCLOSURES AND ASSUMPTIONS

Additional rates available at any one of our local offices.