Rock, Paper, Scissors

Click here to see our previous RPS Winners.

Make sure to follow and like the Rock, Paper, Scissors Tournament Facbook page to see all tournament updates, videos, and photos.

The 2026 Tournament Dates Are Set!

 

Treasure Valley

Thursday, September 24
6:00 PM
Julius M. Kleiner Memorial Park Bandshell
Food, Fun, and Music Start at 5:00 PM

 

Magic Valley

Thursday, September 17
6:00 PM
Twin Falls Downtown Commons
Food, Fun, and Music Start at 5:00 PM

First Federal's Annual Rock Paper Scissors Tournament of Champions

Since 2019, over $80,000 has been proudly donated to charities through First Federal Bank’s annual Rock, Paper, Scissors Tournaments of Champions. This incredible feat is made possible through the businesses that participate and pay an entry fee which is then matched by First Fed, creating the prize pool for donations. 

So, what exactly is the "Rock, Paper, Scissors Tournament of Champions"? Beyond being an evening of fun and friendly competition, it’s about highlighting the amazing work of local non-profits and driving the spirit and culture of philanthropy in our communities. Champions, representing local businesses, play rock, paper, scissors for bragging rights and money to be awarded to the charity of their choice. Overall, six prizes are awarded at each tournament, but only one person is crowned the Champion of Champions!



I Want to Know More!

$7,500
Awarded to the charity of the winner's choice.

$5,000
Awarded to the charity of the winner's choice.

$2,500
Awarded to the charity of the winner's choice.

$1,500
Awarded to the charity of the winner's choice.

 

$1,250
Awarded to the charity of the winner's choice.

$750
Awarded to the charity of the winner's choice.

 

2026 Magic Valley Champions

1st Place – St. Lukes
Jared Gardner is donating $7,500 to Valley House

2nd Place – Beyer Construction
Kayse Herman is donating $5,000 to the Idaho Foodbank 

3rd Place – Sorren
April Matlock is donating $2,500 to Twin Falls Christian Academy.

4th Place – Farm Bureau Insurance – Jennifer Cook
Jennifer Cook is donating $1,500 to the Optimist Youth House

Loser Drawing – Wills Toyota
Jacob Dixon won our Loser Drawing, donating $750 to Twin Falls Animal Shelter

Best Champion Introduction – St. Lukes
Jared Gardner is donating, the $1,250 prize is going to Valley House

2026 Treasure Valley Champions

1st Place – Witco Inc.
Anabelle Rust is donating $7,500 to Witco Inc.

2nd Place – Tio’s Painting
Roman Martinez is donating $5,000 to Idaho Hispanic Foundation

3rd Place – Jalapeños Bar & Grill
Cache Black is donating $2,500 to Boys & Girls Club of Canyon County.

4th Place – Access Garage Doors of Treasure Valley
Blake McKernan is donating $1,500 to Miller’s Mission.

Loser Drawing – Hope Services
Charolette Oram won our Loser Drawing, donating $750 to Birdies for Kids

Best Introduction Winner - Better Together Idaho
Adrian Bender is donating $1,250 to Game Changers

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.

$
$
#
  • Estimated Annual Rewards $0
  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Learn More
Questions

*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.

1. Vehicle Info
$
$
%
2. Loan Details
%
#
$
%
3. Lease Details
%
#
$
%
  • Net cost of buying $0
  • Net cost of leasing $0
Learn More
Questions
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.

$
#
%
What is the compounding interval?
  • Total value at maturity $0
  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
Learn More
Questions
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.

$
#
%
$
  • Monthly deposit needed to reach goal $0
Learn More
Questions
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.

$
%
#
  • Estimated monthly payment $0
  • Total paid $0
  • Total interest paid $0
Learn More
Questions

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 10/01/2026. 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
3 Months 3.35% 3.40%
6 Months 3.45% 3.51%
12 Months 3.45% 3.51%
18 Months 3.50% 3.56%
30 Months 3.55% 3.61%
4 Years 3.60% 3.66%
5 Years 3.65% 3.71%

$500 Minimum Deposit to Open.

Interest rates and APYs are accurate as of 10/01/2026. 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. Interest will be compounded and credited monthly. The APY assumes there are no withdrawals until maturity or renewal. 

 

 

 

 

Home Equity Loans

Rates and APRs below as of 10/09/2026.

Product Rate APR
Home Equity Line of Credit (HELOC)1 6.750% 6.773%
Home Equity Loan2 7.125% 7.160%

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
3 Months 3.45% 3.51%
6 Months 3.55% 3.61%
12 Months 3.55% 3.61%
18 Months 3.60% 3.66%
30 Months 3.65% 3.71%
4 Years 3.70% 3.76%
5 Years 3.75% 3.82%

$100,000 minimum deposit to open.

Interest rates and APYs are accurate as of 7/21/2026   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.Interest will be compounded and credited monthly. The APY assumes there are no withdrawals until maturity or renewal. 

 

 

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

Kids Ca$h Savings

Term Interest Rate APY
$5 (average daily balance) 0.10% 0.10%

*0.10% interest rate, 0.10% Annual Percentage Yield (APY), Interest is compounded and credited monthly. The APY is accurate as of 10/1/2026. The interest rate on this variable rate account may change at any time at our discretion. Fees may reduce earnings.

Loan Rates

Loan Rates

Money Market

Tier Minimum Balance Required to Obtain APY Based on 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 10/01/2026. Your interest rate and annual percentage yield may change. 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.

Mutual Savings

Minimum Balance Required to Obtain APY Interest Rate APY
$5 (average daily balance) 0.10% 0.10%

*0.10% interest rate, 0.10% Annual Percentage Yield (APY), Interest is compounded and credited monthly. The APY is accurate as of 10/1/2026. The interest rate on this variable rate account may change at any time at our discretion. Fees may reduce earnings.

Red Rewards Checking

Minimum Balance Required to Obtain APY Based on Interest Rate Depending on Account Balance,
Annual Percentage Yield (APY1) will:
$0 0% 0%
Below $20,000.01 4.42% 4.51%
Equal to or greater than $20,000.01 0.40% range from 4.51% to 0.40%

14.42% 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. 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 10/1/2026. The interest rate on this variable rate account may change at any time at our discretion. Fees may reduce earnings.

Sawtooth Savings

Tier Average Daily Balance Range Interest Rate Depending on Account Balance,
Annual Percentage Yield (APY1) will:
Tier 1 Below $100.00 0.00% 0.00%
Tier 2 Equal to or greater than $100.00 but less than $1,000.00 0.05% 0.05%
Tier 3  Equal to or greater than $1,000.00 but less than $10,000.00 0.10% 0.10%
Tier 4  Equal to or greater than $10,000.00 but less than $25,000.00 0.15% 0.15%
Tier 5  Equal to or greater than $25,000.00 but less than $50,000.00 0.20% 0.20%
Tier 6 Equal to or greater than $50,000.00 0.25% 0.25%

*Interest is compounded and credited monthly. $10 minimum opening deposit required. The APY is accurate as of 10/01/2026. The interest rate on this variable rate account may change at any time at our discretion. Each primary account holder is allowed one

SuperSaver Savings

Daily Balance Range Interest Rate Depending on Account Balance,
Annual Percentage Yield (APY1) will:
Below $500.01 10.00% Equal 10.47% APY
Equal to or greater than $500.01 but less than $1,000.00 5.00% Range from
10.47% to 7.79% APY
Equal to or greater than$1,000.01 but less than $2,000.01 1.00% Range from
7.79% to 4.40% APY
Equal to or greater than $2,000.01 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 10/01/2026. The interest rate on this variable rate account may change at any time at our discretion. Each primary account holder is allowed one 

2 Round-Up transfers must be posted, not pending or processing.

3 Interest is paid using a tiered-rate method. APY ranges shown above are blended yields based on the rates applicable to each balance tier and will vary depending on the account balance. 

Tax Advantaged Savings

Tier Average Daily Balance Range Interest Rate Depending on Account Balance,
Annual Percentage Yield (APY1) will:
Tier 1 $100 to $999.99 0.20% 0.20%
Tier 2 $1,000 to $9,999.99 0.40% 0.40%
Tier 3 $10,000 to $24,999.99 0.50% 0.50%
Tier 4 $25,000 to $49,999.99 0.60% 0.60%
Tier 5 $50,000 + 0.70% 0.70%

1Must maintain an average daily balance of $100 to earn Annual Percentage Yield (APY).

2Must maintain $100 minimum daily balance to avoid $3 monthly service charge.

3Tax implications of this savings product can vary depending on your individual tax situation. Please consult a tax professional for specifics on how this product will impact your tax liability.

Vehicle Rates

Rates and APRs below as of 010/02/2026.

Loan Term Rate APR*
48-Month 6.974% 7.337%
60-Month 6.974% 7.267%
72-Month 6.974% 7.220%

 

Examples loan terms assume: 

FICO score >=720 | LTV < 95% | Age of Vehicle <= 6yr (2020 or newer model yr) | *Stated APR subject to criteria, including having an active First Federal Personal Checking Acct at time of closing. Rates, terms and fees subject to approved credit. Valid as of 09/02/2026.

 

Wings Youth Checking

Minimum Balance Required to Obtain APY Interest Rate APY
$700 (average daily balance) 0.03% 0.03%

*0.03% interest rate, 0.03% Annual Percentage Yield (APY), Interest is compounded and credited monthly. The APY is accurate as of 10/1/2026. The interest rate on this variable rate account may change at any time at our discretion. Fees may reduce earnings.