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.

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

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


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 CD Ladder may be the solution for you, and our handy calculator can help you see what this unique strategy can do.

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
3 Months 0.10 % 0.10 % 0.20 % 0.20 %
6 Months 0.15 % 0.15 % 0.25 % 0.25 %
12 Months 0.20 % 0.20 % 0.30 % 0.30 %
18 Months 0.25 % 0.25 % 0.35 % 0.35 %
30 Months 0.35 % 0.35 % 0.45 % 0.45 %
4 Years 0.50 % 0.50 % 0.60 % 0.60 %
5 Years 0.60 % 0.60 % 0.70 % 0.70 %

Interest rates and APYs are accurate as of 10/1/2021. Rates are subject to change at any time.

1 Minimum deposit of $100 outside of grace period. Deposits permitted 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2 Annual Percentage Yield (APY) assumes interest credited is not withdrawn until maturity or renewal.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.

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