Rates
APY = Annual Percentage Yield. Rates effective as of December 19, 2024 and subject to change.
Current Specials – CDs, Health Savings CDs and IRAs Learn More
| Term | Interest Rate | APY1 |
|---|---|---|
| 7 Months | 4.15% | 4.23% |
| 13 Months | 4.00% | 4.07% |
| 25 Months | 3.60% | 3.66% |
| 32 Months | 3.75% | 3.82% |
1APY = Annual Percentage Yield
$5,000 minimum balance required to receive ACH transfer of interest
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 | 0.30% | 0.30% |
| 18 Months | 0.35% | 0.35% |
| 24 Months | 0.40% | 0.40% |
| 30 Months | 0.45% | 0.45% |
| 36 Months | 0.50% | 0.50% |
| 48 Months | 0.55% | 0.55% |
| 60 Months | 0.65% | 0.65% |
1APY = Annual Percentage Yield
Minimum $500 to open account. $5,000 minimum balance required to receive ACH transfer of interest. 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 | 0.30% | 0.30% |
| 18 months | 0.35% | 0.35% |
| 24 months | 0.40% | 0.40% |
| 30 months | 0.45% | 0.45% |
| 36 months | 0.50% | 0.50% |
| 48 months | 0.55% | 0.55% |
| 60 months | 0.65% | 0.65% |
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 ACH transfer of interest. 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
Simple Money Market & 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 | 0.50% | 0.50% |
| $50,000 - $99,999.99 | 0.75% | 0.75% |
| $100,000+ | 0.85% | 0.85% |
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 - $24,999.99 | 1.00% | 1.00% |
| $25,000 - $49,999.99 | 2.00% | 2.02% |
| $50,000 and over | 3.00% | 3.04% |
1APY = Annual Percentage Yield
Home Loans Learn More
| Product | Rate | APR1 | Terms |
|---|---|---|---|
| First Lien Residential Mortgage2 | 7.125% | 7.268% | Based on a 30 year fixed rate loan of $100,000, 25% down payment and credit score of 740 |
| Home Equity Line of Credit | 7.250% | 7.250% | 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 - 2023-2025 | 6.79% | 7.691% | Based on a 6-year fixed rate loan of $10,000 and a credit score of 720 |
| Used Auto - 2018-2024 | 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 | 7.290% | 8.340% | 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.