First Federal Savings Bank Twin Falls

Personal Loans

At First Federal, we have a lot of different ways to help you with financing – even for those instances where traditional loan options don’t quite cut it for you. Count on First Federal to help explore the best option that meets your unique situation. Speak with one of our Loan Officers today.

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Unsecured Loans

If an unexpected expense arises and you don’t have the funds to cover it, an Unsecured Loan may be a good solution. Loan amounts and terms are customized to your needs and no collateral is required. Based on your good credit history, you may qualify for an unsecured loan from First Federal with a rate as low as 10.669% APR**.

  • No collateral required
  • Customized terms and loan amounts

Ready Reserve

A Ready Reserve is an unsecured line of credit you can use in the event of unexpected overdrafts on your personal checking account. You are charged interest based on the amount drawn against the line. It’s flexible, convenient, and ready when you need it. A great complement to any of our great Personal Checking Solutions.

CD & Savings Loans

If you have a First Federal CD or Savings account, you may qualify for a CD or Savings Secured Loan.  Current rates are as little as 5.831% APR***. This lets you access the funds you need, without reducing your account balances, while providing you a lower rate than traditional signature loans.

CASHPLEASE® - Small-Dollar, Short-Term Loans

Now there's a better way to manage your short-term cash needs! When life throws you a curve ball and you need easy access to cash, there's no need to pay ridiculously high interest rates on payday loans. CashPlease® provides you with access to small-dollar, short-term loans.

  • Borrow up to $750 (subject to eligibility restrictions)*
  • No credit report review
  • Cash in your account in 24 hours or less
  • Reasonable interest rates and fees as compared to payday lenders
  • Apply 24/7
  • See if you're eligible!


Loans subject to underwriting and ability-to-repay determinations.

**  Unsecured loan stated APR subject to criteria, including automatic payment from a First Federal checking account. Rates, terms, and fees subject to approved credit. Valid as of 11/28/2022. Institution NMLS# 402963.

***  CD/Savings loan stated APRs subject to criteria. Rates, terms, and fees subject to approved credit. Valid as of 11/28/2022. Institution NMLS# 402963.

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*All credit products are subject to approval and subject to change without notice. Rates, terms, and amounts based on qualification.