Your security is our priority. Use these resources to better protect yourself and your financial information to reduce the risk of fraud.
IMPORTANT: Please do not give out your online banking information over the phone. First Federal WILL NEVER call you and ask for your login information.
Our Resources
- Learn how to protect yourself and your financial information
- Learn how to spot scammers
- Be Scam Smart
FAQs
{beginAccordion}
Who do I contact if I have a fraudulent card transaction or lost my card?
Credit Cards:
Consumer Card - (800) 558-3424
Business Card - (866) 552-8855
Debit Cards:
During Business Hours: 208-733-4222
After Business Hours: 800-500-1044
Where do I report fraud or suspicious activity to the Bank?
During Business Hours: 208-733-4222
Report suspicious emails or texts to [email protected]
How do I respond to identity theft?
Submit a report at IdentityTheft.gov and then notify the Bank of the suspicious activity using the contact methods above.
{endAccordion}
At First Fed, we prioritize your security by educating you about the latest scams and fraud tactics that scammers use, empowering you to protect your finances and personal information.
{beginAccordion}
Scammer Tactics
- Scammers pretend to be someone you trust. They can pretend to be a vendor you’re familiar with or a customer who is interested in your business.
- Scammers create a sense of urgency hoping that you will not have time to think through the situation fully and asks questions.
- Scammers use intimidation or fear. They may try to tell you something bad is going to happen if you don’t do what is asked. This creates a sense of urgency to get the payment sent to avoid something bad happening.
- Scammers use untraceable payment methods. Wire Transfers and gift cards are nearly impossible to reverse or trace so they are the favorite payment method of scammers.
Fake Invoice Scams
Scammers can create fake invoices that may look legitimate. They can create invoices for things that your business may find critical, like keeping your website running or a supply that is critical to your business. This creates urgency to get the invoice paid, but if you pay, your money may be gone.
What to do:
- Check all invoices closely. Never pay the bill unless you are certain it is for something you actually ordered, a service that you actually received, etc.
- Make sure you have a procedure in place for reviewing and approving invoices. Limit the number of people who are authorized to pay invoices.
- Pay attention to how the invoice is being paid. If a wire transfer, reloadable card, or gift card is requested it can be a scam!
- If existing vendor payment information changes, call the vendor to verify (new address to send payment to, new vendor account number for ACH payments, etc.) the information before processing the payment.
Social Engineering Scams
Phone numbers can be spoofed so don’t count on the caller ID to confirm who you are speaking to. Imposters can call claiming to be a vendor that you do business with and can even change the phone number to make it appear legitimate. When in doubt, hang up and call the vendor back using the number you have for the vendor or check their valid website to find contact information.
Email addresses and websites that look legitimate are easy for scammers to fake. Stop and think before you click! Don’t open attachments or download files from unexpected emails; they may have viruses that can harm your computer and put your company’s info at risk!
Secure your files, passwords, and financial information so they cannot be compromised.
Check Fraud
Check fraud refers to any type of fraud that relies on paper checks to steal money from individuals or businesses. Checks can be altered, forged, or counterfeited.
It is important to:
- Check your account regularly
- Reconcile your account(s)
- Report any suspicious items to the bank immediately
{endAccordion}
Protecting your personal security is a top priority of First Federal Bank. We want to provide you with the tools and products to be sure your accounts stay secure. Stay out of harm's way by doing your part to secure your sensitive information. This short article from ICBA has some great tips to help you protect yourself.
{beginAccordion}
Check Your Credit
Stay on top of your credit the easy way! Online Banking features a free credit monitoring system that lets you check your credit on demand, see tips for improving your score, and sign up to get alerts when your credit score changes.
Credit Card Management
Through our partnership with Elan, we've got you covered! Downloading the Elan credit card app allows you a convenient and easy way to manage and monitor your credit card. Learn more and download the app today!
Fraud Defender
Have you been the victim of identity theft or a breach? Do you think there might be fraud on your credit report or on an account? First Federal customers receive free access to Fraud Defender. Click here to find out more about Fraud Defender.
SecurLOCK™Equip
SecurLOCK Equip is a mobile app that allows you to control your debit cards. It is a simple and secure way to manage and monitor your payment transaction activity. SecurLOCK Equip can help keep your payment cards safe and provide instant notifications whenever your card is used. Click here to learn more!
Tax Identity Theft
First Federal Savings Bank urges all customers to take extra precaution when filing their return to prevent their exposure to tax fraud. Fraudsters are using very clever tactics to get a hold of your personal information and submit false tax claims. Consumers must be suspicious of any communication from the IRS through email, text or social media that requests personal information, and should keep a watchful eye out for missing W-2s and mail containing sensitive financial information. Learn more about Tax Identity Fraud.
{endAccordion}
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Business Money Market
| Tier | Average Daily Balance Range | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| 1 | Below $1,000.00 | 0.0500% | 0.05% |
| 2 | Equal to or greater than $1,000.00 but less than $10,000.00 | 0.2500% | 0.25% |
| 3 | Equal to or greater than $10,000.00 but less than $25,000.00 | 0.5000% | 0.50% |
| 4 | Equal to or greater than $25,000.00 but less than $50,000.00 | 0.7500% | 0.75% |
| 5 | Equal to or greater than $50,000.00 but less than $100,000.00 | 1.0000% | 1.00% |
| 6 | Equal to or greater than $100,000.00 but less than $250,000.00 | 1.5000% | 1.51% |
| 7 | Equal to or greater than $250,000.00 but less than $500,000.00 | 2.0000% | 2.02% |
| 8 | Equal to or greater than $500,000.00 but less than $1,000,000.00 | 2.5000% | 2.53% |
| 9 | Equal to or greater than $1,000,000.00 but less than $2,500,000.00 | 3.0000% | 3.04% |
| 10 | Equal to or greater than $2,500,000.00 | 3.2500% | 3.30% |
Rates are accurate as of 4/7/2024. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account at any time. There are no maximum or minimum interest rate limits for this account. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will receive the accrued interest. You must deposit $1,000.00 to open this account. A service fee of $10.00 will be imposed every month if the average daily balance for the month falls below $1,000.00. You must maintain a minimum average daily balance of $5.00 to obtain the disclosed annual percentage yield. A dormant account fee of $5.00 per month will be charged after 12 months of inactivity. Interest earnings credited to the account, if any, are not considered account activity.
We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The average daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment when we determine the average daily balance on which interest is paid. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Withdrawals from your MMDA are limited to six (6) per statement cycle. A fee of $10.00 will be charged for each transaction in excess of limit. Please refer to the separate Fee Schedule provided to you with this disclosure for information about fees and charges associated with this account. A Fee Schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.
Certificates of Deposit (CDs)
| Term | Interest Rate | APY |
|---|---|---|
| 5-Month Rate Bump w/ Checking1 | 3.95% | 4.02% |
| 5-Month Rate Bump w/o Checking1 | 3.36% | 3.41% |
| 3 Months | 3.60% | 3.66% |
| 6 Months | 3.74% | 3.80% |
| 12 Months | 3.60% | 3.66% |
| 18 Months | 3.46% | 3.52% |
| 30 Months | 3.25% | 3.30% |
| 4 Years | 3.30% | 3.35% |
| 5 Years | 3.35% | 3.40% |
$500 Minimum Deposit to Open.
Interest rates and APYs are accurate as of 5/1/2025. Rates are subject to change at any time.
Annual Percentage Yield (APY) assumes interest credited is not withdrawn until maturity or renewal. Principal withdrawals prior to the maturity or renewal date may be subject to early withdrawal penalties. Penalties are not assessed if the account holder is deceased. Renewal grace period is seven (7) calendar days. Fees may reduce earnings on the account.
1 If, during the original term of this CD, our CD rate for the same term increases, the account holder(s) may request a one-time increase to the originally disclosed rate. This request will not alter the original maturity date. First Federal Bank checking account required to earn 4.02% annual percentage yield (APY). Customers without a First Federal checking account earn 3.36% with an APY of 3.41%.
Home Equity Loans
Rates and APRs below as of 05/08/2025.
| Product | Rate | APR |
|---|---|---|
| Home Equity Line of Credit (HELOC)1 | 7.250% | 7.273% |
| Home Equity Loan2 | 6.375% | 6.409% |
For products not listed above, including government insured, contact one of our Mortgage Banking Professionals.
1HELOC stated Annual Percentage Rate (APR) subject to criteria, including automatic payment from a First Federal checking account. HELOC initial payment is interest-only. Line of credit is accessible for ten years followed by a fifteen-year repayment period. Variable interest rate may increase after consummation. Property insurance may apply. Maximum APR of 18.00%. Borrower may be responsible for third-party costs that may range from $250 to $5,000. Borrower is responsible for appraisal fees on loans exceeding $400,000. In Idaho, the title insurance premium (if applicable) and mortgage recording tax will be based on the maximum amount of the credit line available to you, regardless of how much is advanced to you at any time. Rate quoted is for liens in first position. Loans in second lien position will have higher rates.
2Rates vary by qualification and term selected. Rate quoted is for liens in first position. Loans in second lien position will have higher rates.
Jumbo Certificates of Deposit
| Term | Interest Rate | APY |
|---|---|---|
| 5 - Month Rate Bump w/ Checking1 | 4.05% | 4.13% |
| 5 - Month Rate Bump w/o Checking1 | 3.46% | 3.52% |
| 3 Months | 3.70% | 3.76% |
| 6 Months | 3.83% | 3.90% |
| 12 Months | 3.70% | 3.76% |
| 18 Months | 3.56% | 3.62% |
| 30 Months | 3.35% | 3.40% |
| 4 Years | 3.40% | 3.45% |
| 5 Years | 3.45% | 3.51% |
$100,000 minimum deposit to open.
Interest rates and APYs are accurate as of 5/1/2025 Rates are subject to change at any time.
Annual Percentage Yield (APY) assumes interest credited is not withdrawn until maturity or renewal. Principal withdrawals prior to the maturity or renewal date may be subject to early withdrawal penalties. Penalties are not assessed if the account holder is deceased. Renewal grace period is seven (7) calendar days. No minimum balance is required to obtain the disclosed APY. Fees may reduce earnings on the account.
1 If, during the original term of this CD, our CD rate for the same term increases, the account holder(s) may request a one-time increase to the originally disclosed rate. This request will not alter the original maturity date. First Federal Bank checking account required to earn 4.13% annual percentage yield (APY). Customers without a First Federal checking account earn 3.46% with an APY of 3.52%.
Kasasa Cash*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $15,000 | $x | 0.00% | 0.00% |
| $15,000+ | $x | 0.00% | 0.00% |
| All balances if qualifications not met | $x | 0.00% | 0.00% |
Qualifications
xx
Kasasa Saver*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $15,000 | $x | 0.00% | 0.00% |
| $15,000+ | $x | 0.00% | 0.00% |
| All balances if qualifications not met | $x | 0.00% | 0.00% |
Qualifications
xx
Loan Rates
Loan Rates
Money Market
| Tier | Average Daily Balance Range | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| 1 | Below $1,000.00 | 0.0500% | 0.05% |
| 2 | Equal to or greater than $1,000.00 but less than $10,000.00 | 0.2500% | 0.25% |
| 3 | Equal to or greater than $10,000.00 but less than $25,000.00 | 0.5000% | 0.50% |
| 4 | Equal to or greater than $25,000.00 but less than $50,000.00 | 0.7500% | 0.75% |
| 5 | Equal to or greater than $50,000.00 but less than $100,000.00 | 1.0000% | 1.00% |
| 6 | Equal to or greater than $100,000.00 but less than $250,000.00 | 1.5000% | 1.51% |
| 7 | Equal to or greater than $250,000.00 but less than $500,000.00 | 2.0000% | 2.02% |
| 8 | Equal to or greater than $500,000.00 but less than $1,000,000.00 | 2.5000% | 2.53% |
| 9 | Equal to or greater than $1,000,000.00 but less than $2,500,000.00 | 3.0000% | 3.04% |
| 10 | Equal to or greater than $2,500,000.00 | 3.2500% | 3.30% |
Rates are accurate as of 4/7/2025. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account at any time. There are no maximum or minimum interest rate limits for this account. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will receive the accrued interest. You must deposit $1,000.00 to open this account. A service fee of $10.00 will be imposed every month if the average daily balance for the month falls below $1,000.00. You must maintain a minimum average daily balance of $5.00 to obtain the disclosed annual percentage yield. A dormant account fee of $5.00 per month will be charged after 12 months of inactivity. Interest earnings credited to the account, if any, are not considered account activity.
We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The average daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment when we determine the average daily balance on which interest is paid. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Withdrawals from your MMDA are limited to six (6) per statement cycle. A fee of $10.00 will be charged for each transaction in excess of limit. Please refer to the separate Fee Schedule provided to you with this disclosure for information about fees and charges associated with this account. A Fee Schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.
SuperSaver Savings
| Daily Balance Range | Interest Rate | Depending on Account Balance, Annual Percentage Yield (APY1) will: |
|---|---|---|
| $0.01 to $500.00 | 10.00% | Equal 10.47% APY |
| NEXT $500 $500.01 to $1,000.00 |
5.00% | Range from 10.47% to 7.79% APY |
| NEXT $1,000 $1,000.01 to $2,000.00 |
1.00% | Range from 7.79% to 4.40% APY |
| Greater than $2,000.00 | 0.10% | Range from 4.40% to 0.10% APY |
1 To qualify for the Annual Percentage Yield (APY), the following requirements must be met during a monthly statement cycle: Minimum of one (1) Round-Up transfer2 from checking account; minimum of one (1) deposit of at least $30 or two (2) deposits of at least $15; no withdrawal transactions; receive e-statements. If eligibility requirements are not met, the interest rate will be 0.10% with an APY of 0.10%. Interest is compounded and credited monthly. $10 minimum opening deposit required. The APY is accurate as of 4/7/2025. The interest rate on this variable rate account may change at any time at our discretion. Each primary account holder is allowed one (1) SuperSaver account per tax identification number.
2 Round-Up transfers must be posted, not pending or processing.