Plan for financial well-being during your golden years
First Fed offers several account options to help you prepare for retirement.
Benefits You'll Love
- Choose from a variety of IRA options
- Enhance your investment portfolio
- Explore a wide range of terms
- Receive possible tax-advantages1
The Traditional Individual Retirement Account (IRA) is designed for individuals who are currently working/receiving an income and expect to be in a lower tax bracket when they retire. This account allows you to set aside a portion of your paycheck annually with the contributions being tax-deductible1. Additionally, earnings are tax-deferred until funds are withdrawn.
1Consult your tax advisor for more information.
The Roth IRA is open to individuals at any age, who are still working/receiving an income, and expect to be in the same or a higher tax bracket when they retire. Contributions to this account are after-tax and are not tax-deductible. Account earnings are tax-deferred and withdrawals may be tax free1.
1Consult your tax advisor for more information.
The Coverdell Education Savings Account (CESA) allows for individuals to save for their or their family’s educational needs. Funds in this account can be used to pay for college and elementary and secondary education needs. Additionally, account earnings are tax-free until withdrawal1.
1Consult your tax advisor for more information.
A tax-deferred rollover occurs when an individual makes a withdrawal from one eligible retirement plan and contributes all or part of it, within 60 days, to another eligible retirement plan1. If you’re changing jobs, a rollover of your old eligible retirement plan into an IRA might be something to consider.
1Consult your tax advisor for more information.
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 7/1/2025. 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 07/08/2025.
| Product | Rate | APR |
|---|---|---|
| Home Equity Line of Credit (HELOC)1 | 7.250% | 7.273% |
| Home Equity Loan2 | 6.250% | 6.284% |
For products not listed above, including government insured, please call (208) 733-4222.
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 7/1/2025 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.