APY = Annual Percentage Yield. 

Deposit Rates

Certificates of Deposit (CDs) Learn More

Term Interest Rate APY
7-Month Rate Bump w/ Checking1 4.70% 4.80%
7-Month Rate Bump w/o Checking1 4.31% 4.40%
11-Month No Penalty2 4.12% 4.20%
3 Months 4.36 % 4.45 %
6 Months 4.51 % 4.60 %
12 Months 4.60 % 4.70 %
18 Months 4.41 % 4.50 %
30 Months 3.35 % 3.40 %
4 Years 3.06 % 3.10 %
5 Years 3.20 % 3.25 %

$500 Minimum Deposit to Open.

Interest rates and APYs are accurate as of 7/1/2024  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Annual Percentage Yield (APY) assumes interest credited is not withdrawn until maturity or renewal.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 7/1/2024.

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 4.80% annual percentage yield (APY). Customers without a First Federal checking account earn 4.31% with an APY of 4.40%.

2 Earn 4.12% with an annual percentage yield (APY) of 4.20%. This APY is accurate as of 7/1/2024. 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.

Jumbo Certificates of Deposit Back to Top Learn More

Term Interest Rate APY
7 - Month Rate Bump w/ Checking1 4.79 % 4.90 %
7 - Month Rate Bump w/o Checking1 4.41 % 4.50 %
3 Months 4.46 % 4.55 %
6 Months 4.60 % 4.70 %
12 Months 4.70 % 4.80 %
18 Months 4.51 % 4.60 %
30 Months 3.45 % 3.51 %
4 Years 3.15 % 3.20 %
5 Years 3.30 % 3.35 %

$100,000 minimum deposit to open.

Interest rates and APYs are accurate as of 7/1/2024   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Annual Percentage Yield (APY) assumes interest credited is not withdrawn until maturity or renewal.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 4.80% annual percentage yield (APY). Customers without a First Federal checking account earn 4.31% with an APY of 4.40%.

SuperSaver Savings Back to Top Learn More

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.

 

Loan Rates

Home Equity Loans Learn More

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