Well-Being Bundle

Enhance your financial well-being by bundling together our Rewards Checking Account, Super Saver account, and Round-up service. You can earn interest, grow your savings, and do it effortlessly.

Rewards Checking1 4.42% interest rate, 4.51% Annual Percentage Yield (APY), on balances up to and including $20,000.00 and a 0.40% interest rate (0.40% APY) on balances over $20,000.00. To earn interest, meet the following qualifications each statement cycle: electronic monthly statement; fifteen (15) posted debit card purchase transactions; one (1) deposit of at least $1,000.00 or two (2) deposits of at least $500.00 each. ATM transaction do not apply towards fifteen (15) purchase transactions. If qualifications are not met during a statement cycle no interest is paid for that cycle. Interest is compounded and credited monthly. $100 minimum opening deposit required. The APY is accurate as of 1/1/2026. The interest rate on this variable rate account may change at any time at our discretion. Fees may reduce earnings.

Super Saver2 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 transfer** 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 9/23/2025. The interest rate on this variable rate account may change at any time at our discretion. **Round-Up transfers must be posted, not pending or processing and do not count towards deposit requirements.

Round-Up3 Each debit card transaction will post separately to the checking account in its original format. Round-ups from each posted (not pending or processing) debit card transaction will be aggregated daily and one round-up transfer to savings will occur the next business day. Debit card transactions of even dollar amounts will not round up to the next dollar amount. When enrolled in round-ups, transactions from all debit cards tied to a checking account will round up to the same savings account. For this reason, at least one owner of the transaction account must also be an owner on the savings account. To enroll or discontinue enrollment in round-ups, send a secure message through online banking, call us at (208) 733-4222, or visit one of our branch locations.

The Well-Being Bundle is designed to help you make the most of your everyday banking. By combining Rewards Checking, SuperSaver Savings, and Round-Up, you can earn competitive interest, automatically grow your savings, and build stronger financial habits without changing your routine. Every debit card purchase becomes an opportunity to save while your money continues working harder for you.

 

Getting started is simple. Open your Rewards Checking and SuperSaver accounts, enroll in Round-Up, and watch your savings grow with every swipe. Whether you are saving for vacations, future goals, rainy day funds, or everyday peace of mind, the Well-Being Bundle makes saving automatic, convenient, and rewarding.

Rewards Checking1

  • 4.51% APY on balances up to $20,000
  • No monthly service charge
  • $100 minimum opening deposit
  • Online and mobile banking

Requirements

  • Enroll in e-statements
  • 15 posted debit card purchases per cycle
  • One $1,000 deposit OR two $500 deposits per cycle

Open Account

Super Saver2

  • Competitive tiered interest
  • No monthly service charge
  • $10 minimum opening deposit
  • Enjoy our Round-Up program

Requirements

  • Enroll in e-statements
  • One posted Round-Up transfer per cycle
  • One $30 deposit OR two $15 deposits per cycle
  • No withdrawals within per cycle

Open Account

Round-Up3

  • Rounds purchases to the nearest dollar
  • Transfers difference to savings
  • Saves automatically with every debit card swipe

Requirements

  • Linked checking and savings accounts
  • Applies to posted transactions only
  • Transfers processed next business day

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Kasasa Cash CalculatorDisclaimer

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.

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  • Estimated Annual Rewards $0
  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
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*Qualifications, limits and other requirements may apply. See details for more info.

**The maximum total of refunds on ATM withdrawal fees per monthly qualification cycle is 25.

Buy vs. Lease CalculatorDisclaimer

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.

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  • Net cost of buying $0
  • Net cost of leasing $0
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CD CalculatorDisclaimer

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.

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  • Total value at maturity $0
  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
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Savings Goal CalculatorDisclaimer

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.

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  • Monthly deposit needed to reach goal $0
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Simple Loan CalculatorDisclaimer

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.

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Auto Rates

Rates and APRs below as of 05/22/2026.

Loan Term Rate APR*
48-Month 5.576% 5.863%
60-Month 5.626% 5.857%
72-Month 5.926% 6.121%

 

Examples loan terms assume: 

FICO score >=720 | LTV < 95% | Age of Vehicle <= 1yr (2025 or 2026 model yr) | First Federal Checking Acct at time of closing | *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 04/02/2026.

 

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 0.2000% 0.20%
3 Equal to or greater than $10,000.00 but less than $25,000.00 0.4000% 0.40%
4 Equal to or greater than $25,000.00 but less than $50,000.00 0.6500% 0.65%
5 Equal to or greater than $50,000.00 but less than $100,000.00 0.8500% 0.85%
6 Equal to or greater than $100,000.00 but less than $250,000.00 1.1000% 1.11%
7 Equal to or greater than $250,000.00 but less than $500,000.00 1.6000% 1.61%
8 Equal to or greater than $500,000.00 but less than $1,000,000.00 2.1000% 2.12%
9 Equal to or greater than $1,000,000.00 but less than $2,500,000.00 2.6000% 2.63%
10 Equal to or greater than $2,500,000.00 3.0000% 3.04%

Rates are accurate as of 2/3/2026. 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 w/ Checking1 3.50% 3.56%
5-Month Rate w/o Checking1 2.91% 2.95%
3 Months 3.45% 3.51%
6 Months 3.30% 3.35%
12 Months 3.25% 3.30%
18 Months 3.15% 3.20%
30 Months 3.20% 3.25%
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 1/1/2026. 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. 

1Customers with a new or existing First Federal checking account earn 3.50% with an annual percentage yield (APY) of 3.56%. This APY is accurate as of 2/3/2026. This offering is for a limited time and subject to change at any time. Interest will be compounded and credited monthly. The APY assumes there are no withdrawals until maturity or renewal. Customers without a First Federal checking account earn 2.91% with an annual percentage yield (APY) of 2.95%. All other terms and conditions referenced above (*) apply.

 

 

 

 

Home Equity Loans

Rates and APRs below as of 05/22/2026.

Product Rate APR
Home Equity Line of Credit (HELOC)1 6.500% 6.523%
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 w/ Checking1 3.60% 3.66%
5 - Month Rate w/o Checking1 3.01% 3.05%
3 Months 3.55% 3.61%
6 Months 3.40% 3.45%
12 Months 3.35% 3.40%
18 Months 3.25% 3.30%
30 Months 3.30% 3.35%
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 1/1/2026   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 Customers with a new or existing First Federal checking account earn 3.60% with an annual percentage yield (APY) of 3.66%. This APY is accurate as of 2/3/2026. This offering is for a limited time and subject to change at any time. Interest will be compounded and credited monthly. The APY assumes there are no withdrawals until maturity or renewal. Customers without a First Federal checking account earn 3.01% with an annual percentage yield (APY) of 3.05%. All other terms and conditions referenced above (*) apply.

 

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 0.2000% 0.20%
3 Equal to or greater than $10,000.00 but less than $25,000.00 0.4000% 0.40%
4 Equal to or greater than $25,000.00 but less than $50,000.00 0.6500% 0.65%
5 Equal to or greater than $50,000.00 but less than $100,000.00 0.8500% 0.85%
6 Equal to or greater than $100,000.00 but less than $250,000.00 1.1000% 1.11%
7 Equal to or greater than $250,000.00 but less than $500,000.00 1.6000% 1.61%
8 Equal to or greater than $500,000.00 but less than $1,000,000.00 2.1000% 2.12%
9 Equal to or greater than $1,000,000.00 but less than $2,500,000.00 2.6000% 2.63%
10 Equal to or greater than $2,500,000.00 3.0000% 3.04%

Rates are accurate as of 2/3/2026. 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 2/3/2026. 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.