We make it easy to find the best rates because we know you have better things to wrestle with.
Rates accurate as of 1/15/2020 and subject to change without notice.
| Term of Deposit | Rate | APY* | Min. Balance to Earn APY |
|---|---|---|---|
| Special 23-Month CD | 1.80% | 1.81% | $1,000 |
| 6-Month CD | 0.35% | 0.35% | $1,000 |
| 12-Month CD | 0.45% | 0.45% | $1,000 |
| 18-Month CD | 0.95% | 0.95% | $1,000 |
| 24-Month CD | 1.40% | 1.40% | $1,000 |
| 30-Month CD | 0.90% | 0.90% | $1,000 |
| 36-Month CD | 1.50% | 1.50% | $1,000 |
| 48-Month CD | 1.60% | 1.60% | $1,000 |
| 60-Month CD | 1.60% | 1.60% | $1,000 |
*APY = Annual Percentage Yield. Rates are subject to change without notice. Penalty for early withdrawal.
| Balance | Rate | APY* |
|---|---|---|
| $0-$25,0003 | 2.47% | 2.50% |
| $25,000.01 & Over | 0.20% | 0.66% - 2.50% |
| Non-Qualified Account Rate | 0.05% | 0.05% |
* - Annual Percentage Yield. Rate can change after account is opened. Fees can reduce earnings on the account.
3 - Must meet qualification cycle requirements to earn the higher rate tier, otherwise the account will earn the Non-Qualified Account rate.
| Balance | Rate | APY* |
|---|---|---|
| $0-$25,0003 | 1.00% | 1.00% |
| $25,000.01 & Over3 | 0.20% | 0.36% - 1.00% |
| Non-Qualified Account Rate | 0.05% | 0.05% |
* - Annual Percentage Yield. Rate can change after account is opened. Fees can reduce earnings on the account.
3 - A Kasasa Cash or Kasasa Cash-Back Checking Account is required. Must meet qualification cycle requirements in the attached Kasasa Checking Account to earn higher rate tier. Otherwise account earns the Non-Qualified Account rate.
| Balance | Rate | APY* |
|---|---|---|
| $0-$9994 | 0.10% | 0.10% |
| $1,000 and Over | 0.15% | 0.15% |
* - Annual Percentage Yield. Rate can change after account is opened. Fees can reduce earnings on the account.
4 - Minimum balance to avoid monthly service fee is $200.
| Balance | Rate | APY* |
|---|---|---|
| $0-$999 | 0.25% | 0.25% |
| $1,000 & Over | 0.75% | 0.75% |
*Annual Percentage Yield. Rate is subject to change. IRS penalty for early withdrawal may apply.
| Balance | Rate | APY* |
|---|---|---|
| $0-$9,9995 | 0.05% | 0.05% |
| $10,000 & Over | 0.10% | 0.10% |
*Fees could reduce earnings on the account and rate can change after account is opened.
5 - A $100 minimum opening deposit is required. To avoid the monthly service fee, a $2,000 minimum balance is required.
| Balance | Rate | APY* |
|---|---|---|
| $0-$9996 | 0.10% | 0.10% |
| $1,000 & Over | 0.15% | 0.15% |
* - Annual Percentage Yield. Rate can change after account is opened. Fees can reduce earnings on the account.
6 - Minimum balance to avoid monthly service fee is $200.
| Balance | Rate | APY* |
|---|---|---|
| $1,000-$24,9997 | 0.10% | 0.10% |
| $25,000-$99,999 | 0.15% | 0.15% |
| $100,000 & Over | 0.50% | 0.50% |
* - Annual Percentage Yield. Rate may change after account is opened. Fees can reduce earnings on the account.
7 - A $1,000 minimum balance is required to avoid monthly service charge.
(For customers who have a mortgage that's owned or serviced by First Federal Bank)
| Balance | Rate | APY* |
|---|---|---|
| $1,000 - $24,999 | 0.25% | 0.25% |
| $25,000 - $99,999 | 1.00% | 1.00% |
| $100,000 - $249,999 | 1.25% | 1.25% |
| $250,000 or more | 1.50% | 1.50% |
*APY = Annual percentage yield. Rate may change after account is opened. Fees may reduce earnings in account.