First Federal Savings Bank Twin Falls


Our First Federal Individual Retirement Accounts (IRAs) are a great way to plan for your retirement and enhance your portfolio. We offer several IRA options to choose from depending on what works best for your situation.

Traditional IRA

Our Traditional IRA provides a safe way for you to save money for your retirement. Contributions can also be deductible, which can provide income tax relief in certain situations.1 Speak with a First Federal representative today for more details.

Roth IRA

A Roth IRA is similar to a Traditional IRA; however, contributions are not tax deductible. This advantage allows your money to grow with qualifying distributions tax-free.1 This can help reduce the tax liability in your retirement years and let you enjoy the money you have worked so hard to earn. Speak with a First Federal representative today for more details.


A CESA IRA, or Coverdell Education Savings Account, lets you save for you or your family's educational needs. A CESA IRA can be used to pay for primary and secondary schooling, not just colleges and universities. Funds also grow tax-free until disbursement.1 Speak with a First Federal representative today for more details.

IRA Rollover

A tax-deferred rollover occurs when you withdraw cash or other assets from one eligible retirement plan and contribute all or part of it within 60 days to another eligible retirement plan.1 If you’re changing jobs, rolling an old eligible retirement plan into IRA may be a benefit and we can help you do so. Speak with a First Federal representative today for more details.

Individual Retirement Accounts 2


$100 Minimum Deposit to Open

$100,000 Minimum Deposit to Open
4 Month Special 2.75    % 2.79    % 2.85    % 2.89   %
13 Month Special 3.00  % 3.04  % 3.10  % 3.14  %
2 Year Special 2.20  % 2.22  % 2.30  % 2.32  %
3 Months 0.25 % 0.25 % 0.35 % 0.35 %
6 Months 0.40 % 0.40 % 0.50 % 0.50 %
12 Months 0.50 % 0.50 % 0.60 % 0.60 %
18 Months 0.55 % 0.55 % 0.65 % 0.65 %
30 Months 0.60 % 0.60 % 0.70 % 0.70 %
4 Years 0.80 % 0.80 % 0.90 % 0.90 %
5 Years 0.90 % 0.90 % 1.00 % 1.00 %

Interest rates and APYs are accurate as of 12/1/2022 Rates are subject to change at any time.

1 Consult your tax advisor for more information. 

2 Annual Percentage Yield (APY) assumes interest credited is not withdrawn until maturity or renewal.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.

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