Certificates of Deposit

Save smart with a First Federal Certificate of Deposit (CD). CDs are a wise choice and provide a fixed, predictable rate of return. Enjoy higher fixed interest rates and the security of FDIC insurance.

CD Specials

5 & 10 Month CD & IRA Specials - 5.01% APY3

Our new CD & IRA Specials are some of the best offered in Idaho!

  • Market-leading interest rates!
  • A one-time, penalty-free withdrawal may be taken during the original term.
  • No minimum balance.
  • Low minimum opening deposit.
See below for full list of requirements.

11 Month No-Penalty4

Thinking about a high-yield savings account? Try our No-Penalty CD instead!

  • 4.28% APY4
  • 11 Month Term
    • $5,000 minimum deposit to open.
  • $0 fees
    • Access your funds with no penalty deposits & withdrawals.
See below for full list of requirements.

Regular CD

Our Regular CD is a tried and true way to save money and earn interest. We make it easier than ever to make your money work for you. Deposits can be made outside of the grace period.1 Open at any First Federal location.

Jumbo CD

Our Jumbo CD works just like our Regular CD but offers a higher interest rate for depositing large balances. Just like our Regular CD, you can still make deposits outside of the grace period.1 Open at any First Federal location.


Curious about what you'll earn with a CD? Our Certificate of Deposit Calculator can help!

Would you like to take advantage of longer-term CD rates while maintaining better liquidity? A strategy called CD Laddering may be the solution for you and our handy CD Ladder calculator can help illustrate how it works.

Scroll to the left to view the rest of the table.

Certificates of Deposit 2


$500 Minimum Deposit to Open

$100,000 Minimum Deposit to Open
Term Interest Rate APY Interest Rate APY
5 Months
w/ Checking3
4.90    % 5.01   % - -
10 Months
w/ Checking3
4.90   % 5.01   % - -
5 Months
w/o Checking3
4.65   %    4.75   % - -
10 Months
w/o Checking3
4.65   % 4.75   % - -
11 Months
No Penalty4
4.20    % 4.28    % - -
3 Months 4.50 % 4.59 % 4.60 % 4.70 %
6 Months 4.65 % 4.75 % 4.75 % 4.85 %
12 Months 4.70 % 4.80 % 4.80 % 4.91 %
18 Months 4.50 % 4.59 % 4.60 % 4.70 %
30 Months 4.10 % 4.18 % 4.20 % 4.28 %
4 Years 3.60 % 3.66 % 3.70 % 3.76 %
5 Years 3.50 % 3.56 % 3.60 % 3.66 %

Interest rates and APYs are accurate as of 4/1/2024  Rates are subject to change at any time.

1 Minimum deposit of $100 outside of grace period and only if the rate of the CD is within 0.15% of the interest rate we currently offer for the same term.

2 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.

3 A one-time, penalty-free withdrawal may be taken during the original term and penalties may be imposed after account renewal. However, penalty-free withdrawals cannot be taken within the first six (6) days of account opening.

4 Earn 4.20% with an annual percentage yield (APY) of 4.28%. This APY is accurate as of 3/28/2024. This offering is for a limited time and subject to change at any time. $5,000.00 minimum deposit to open account. Interest will be compounded and credited monthly. Minimum deposits of $1,000.00 can be made at any time. Penalty-free withdrawals with a minimum amount of $1,000.00 will be permitted any time after the first six (6) calendar days of account opening. Total close-out required if account balance drops below $1,000.00.

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