Your security is our priority. Use these resources to better protect yourself and your financial information to reduce the risk of fraud.
IMPORTANT: Please do not give out your online banking information over the phone. First Federal WILL NEVER call you and ask for your login information.
Our Resources
- Learn how to protect yourself and your financial information
- Learn how to spot scammers
- Be Scam Smart
FAQs
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Who do I contact if I have a fraudulent card transaction or lost my card?
Credit Cards:
Consumer Card - (800) 558-3424
Business Card - (866) 552-8855
Debit Cards:
During Business Hours: 208-733-4222
After Business Hours: 800-500-1044
Where do I report fraud or suspicious activity to the Bank?
During Business Hours: 208-733-4222
Report suspicious emails or texts to [email protected]
How do I respond to identity theft?
Submit a report at IdentityTheft.gov and then notify the Bank of the suspicious activity using the contact methods above.
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At First Fed, we prioritize your security by educating you about the latest scams and fraud tactics that scammers use, empowering you to protect your finances and personal information.
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Scammer Tactics
- Scammers pretend to be someone you trust. They can pretend to be a vendor you’re familiar with or a customer who is interested in your business.
- Scammers create a sense of urgency hoping that you will not have time to think through the situation fully and asks questions.
- Scammers use intimidation or fear. They may try to tell you something bad is going to happen if you don’t do what is asked. This creates a sense of urgency to get the payment sent to avoid something bad happening.
- Scammers use untraceable payment methods. Wire Transfers and gift cards are nearly impossible to reverse or trace so they are the favorite payment method of scammers.
Fake Invoice Scams
Scammers can create fake invoices that may look legitimate. They can create invoices for things that your business may find critical, like keeping your website running or a supply that is critical to your business. This creates urgency to get the invoice paid, but if you pay, your money may be gone.
What to do:
- Check all invoices closely. Never pay the bill unless you are certain it is for something you actually ordered, a service that you actually received, etc.
- Make sure you have a procedure in place for reviewing and approving invoices. Limit the number of people who are authorized to pay invoices.
- Pay attention to how the invoice is being paid. If a wire transfer, reloadable card, or gift card is requested it can be a scam!
- If existing vendor payment information changes, call the vendor to verify (new address to send payment to, new vendor account number for ACH payments, etc.) the information before processing the payment.
Social Engineering Scams
Phone numbers can be spoofed so don’t count on the caller ID to confirm who you are speaking to. Imposters can call claiming to be a vendor that you do business with and can even change the phone number to make it appear legitimate. When in doubt, hang up and call the vendor back using the number you have for the vendor or check their valid website to find contact information.
Email addresses and websites that look legitimate are easy for scammers to fake. Stop and think before you click! Don’t open attachments or download files from unexpected emails; they may have viruses that can harm your computer and put your company’s info at risk!
Secure your files, passwords, and financial information so they cannot be compromised.
Check Fraud
Check fraud refers to any type of fraud that relies on paper checks to steal money from individuals or businesses. Checks can be altered, forged, or counterfeited.
It is important to:
- Check your account regularly
- Reconcile your account(s)
- Report any suspicious items to the bank immediately
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Protecting your personal security is a top priority of First Federal Bank. We want to provide you with the tools and products to be sure your accounts stay secure. Stay out of harm's way by doing your part to secure your sensitive information. This short article from ICBA has some great tips to help you protect yourself.
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Check Your Credit
Stay on top of your credit the easy way! Online Banking features a free credit monitoring system that lets you check your credit on demand, see tips for improving your score, and sign up to get alerts when your credit score changes.
Credit Card Management
Through our partnership with Elan, we've got you covered! Downloading the Elan credit card app allows you a convenient and easy way to manage and monitor your credit card. Learn more and download the app today!
Fraud Defender
Have you been the victim of identity theft or a breach? Do you think there might be fraud on your credit report or on an account? First Federal customers receive free access to Fraud Defender. Click here to find out more about Fraud Defender.
SecurLOCK™Equip
SecurLOCK Equip is a mobile app that allows you to control your debit cards. It is a simple and secure way to manage and monitor your payment transaction activity. SecurLOCK Equip can help keep your payment cards safe and provide instant notifications whenever your card is used. Click here to learn more!
Tax Identity Theft
First Federal Savings Bank urges all customers to take extra precaution when filing their return to prevent their exposure to tax fraud. Fraudsters are using very clever tactics to get a hold of your personal information and submit false tax claims. Consumers must be suspicious of any communication from the IRS through email, text or social media that requests personal information, and should keep a watchful eye out for missing W-2s and mail containing sensitive financial information. Learn more about Tax Identity Fraud.
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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
Certificates of Deposit (CDs)
Term | Interest Rate | APY |
---|---|---|
5-Month Rate Bump w/ Checking1 | 4.35% | 4.44% |
5-Month Rate Bump w/o Checking1 | 3.96% | 4.03% |
7-Month No Penalty2 | 3.97% | 4.04% |
3 Months | 4.30 % | 4.39% |
6 Months | 4.21 % | 4.29 % |
12 Months | 3.95 % | 4.02 % |
18 Months | 3.76 % | 3.83% |
30 Months | 3.15 % | 3.20% |
4 Years | 3.01 % | 3.05 % |
5 Years | 3.10 % | 3.14 % |
$500 Minimum Deposit to Open.
Interest rates and APYs are accurate as of 9/20/2024 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. Stated APY is current as of 9/20/2024.
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 4.44% annual percentage yield (APY). Customers without a First Federal checking account earn 3.96% with an APY of 4.03%.
2 Earn 3.97% with an annual percentage yield (APY) of 4.04%. This APY is accurate as of 9/20/2024. This offering is for a limited time and subject to change at any time. $5,000.00 minimum deposit to open account. Interest will be compounded and credited monthly. Minimum deposits of $1,000.00 can be made at any time. Penalty-free withdrawals with a minimum amount of $1,000.00 will be permitted any time after the first six (6) calendar days of account opening. Total close-out required if account balance drops below $1,000.00.
Home Equity Loans
Product | Rate | APR |
---|---|---|
Home Equity Line of Credit (HELOC)1 | 8.250% | 8.251% |
Home Equity Loan2 | 6.375% | 6.378% |
1 HELOC stated APR 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%. You may also be required to pay certain fees to third parties (such as appraisers, credit reporting firms, and government agencies) to open a line. These fees generally total between $0.00 and $1,200.00. If you ask, we will give you an itemization of the fees you will have to pay to third parties. 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.
2 Rates 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 | 4.45 % | 4.54 % |
5 - Month Rate Bump w/o Checking1 | 4.06 % | 4.14 % |
3 Months | 4.40 % | 4.49% |
6 Months | 4.30 % | 4.39 % |
12 Months | 4.05 % | 4.13 % |
18 Months | 3.86 % | 3.93 % |
30 Months | 3.25% | 3.30 % |
4 Years | 3.10 % | 3.14 % |
5 Years | 3.20 % | 3.25 % |
$100,000 minimum deposit to open.
Interest rates and APYs are accurate as of 9/20/2024 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 4.54% annual percentage yield (APY). Customers without a First Federal checking account earn 4.06% with an APY of 4.14%.
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
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 9/18/2023. 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.