Rates

From borrowing to saving, we make it easy to find that rate that’s right for you. Because we know you have other things to wrestle with.

Deposit Rates

Rates accurate as of 6/14/2019 and subject to change without notice.


Certificates of Deposit

Term of Deposit Rate APY* Min. Balance to Earn APY
Special 23-Month CD 2.45% 2.47% $1,000
  2.55% 2.57% $10,000
2.65% 2.68% $50,000
6-Month CD 0.25% 0.25% $1,000
12-Month CD 0.45% 0.45% $1,000
18-Month CD 0.95% 0.95% $1,000
  1.05% 1.05% $10,000
1.15% 1.15% $50,000
24-Month CD 1.60% 1.61% $1,000
  1.90% 1.91% $10,000
2.10% 2.12% $50,000
30-Month CD 0.65% 0.65% $1,000
36-Month CD 1.75% 1.76% $1,000
48-Month CD 1.80% 1.81% $1,000
60-Month CD 2.00% 2.02% $1,000

*APY = Annual Percentage Yield. Rates are subject to change without notice. Penalty for early withdrawal.

Kasasa Cash Checking

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.

Kasasa Saver

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.

Savings

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.

IRA Savings

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.

Business Interest Checking

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.

Business Savings

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.

Money Market Accounts

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.

Relationship Money Market Savings

(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.

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