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

2/6/2018 - 3/8/2018


Certificates of Deposit

Term of Deposit Rate APY* Min. Balance to Earn APY
Special 24-month CD 2.10% 2.12% $50,000
  1.90% 1.91% $10,000
1.60% 1.61% $1,000
Special 18-month CD1 1.50% 1.51% $50,000
Special 36-month CD2 2.15% 2.17% $50,000
Special 60-month CD3 2.25% 2.27% $50,000
6-Month CD 0.25% 0.25% $1,000
12-Month CD 0.45% 0.45% $1,000
18-Month CD 1.15% 1.15% $50,000
  1.05% 1.05% $10,000
0.95% 0.95% $1,000
30-Month CD 0.65% 0.65% $1,000
36-Month CD 0.70% 0.70% $1,000
48-Month CD 0.80% 0.80% $1,000
60-Month CD 1.00% 1.00% $1,000

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

1 - Requires at least $25,000 in new money to the bank to qualify for 1.51% APY. Otherwise $50,000 or more earns 1.15% APY.

2 - Requires at least $25,000 in new money to the bank to qualify for 2.17% APY. Otherwise $50,000 or more earns 0.70% APY.

3 - Requires at least $25,000 in new money to the bank to qualify for 2.27% APY. Otherwise $50,000 or more earns 1.00% APY.

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 can 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.

Loan Rates

Home loans

Rate APR* Monthly Payment
15-Year fixed rate1 4.000% 4.057% $2,227.64
30-Year fixed rate2 4.500% 4.570% $1,532.56
FHA 30-year fixed rate3 4.125% 4.909% $1,593.82
VA 30-year fixed rate4 4.125% 4.337% $1,491.14

*APR = Annual percentage rate. APRs accurate as of 2/22/18 and subject to change without notice. All estimates assume the borrower has a credit score of 740 or higher. Accuracy not guaranteed and all loans are subject to credit approval.
1 - 15-year fixed rate loan estimate based on a $300,000 initial loan amount and a 20% down payment. Payment estimate includes principal & interest only and your actual payments will be higher.
2 - 30-year fixed rate estimate based on a $300,000 initial loan amount and a 20% down payment. Payment estimate includes principal & interest only and your actual payments will be higher.
3 - FHA 30-year fixed rate estimate based on a $300,000 initial loan amount and a 3.5% down payment. Rate estimate available for the Greater Kansas City metro area only. Payment estimate includes principal, interest and mortgage insurance estimates only and your actual payments will be higher.
4 - VA 30-year fixed rate estimate based on a $300,00 initial loan amount, including a first-time use VA funding fee, and a 0% down payment. Payment estimate includes principal, interest and mortgage insurance estimates only and your actual payments will be higher.

Home Equity Lines of Credit

1.99% APR** fixed for the first 12 Months for Equity Lines of $10,000 or more!
(Prime + 0% to Prime + 2.50% APR thereafter) 

Loan Amounts Rate APR* Max CLTV
$10,000 or more 1.99% 1.99% Any CLTV, Fixed for 12 Months**
$10,000 - $24,999 1 Prime + 2.50% 7.00% 95%
$25,000 - $100,000 1 Prime + 1.00% 5.50% 95%
$100,000 - $200,000 Prime + 0.00% 4.50% 80%

1 - For Combined-Loan-to-Values of 80% or less, subtract 0.50% from rates above.

Prime rate is 4.50%, as of 12/14/2017 as published in the Wall Street Journal

*APR = Annual percentage rate. Minimum interest rate is 3.99% APR. Maximum interest rate is 15.00% APR

**Available on lines of credit of $10,000 or more, up to 95% CLTV (First mortgage balance + Equity Line of Credit Limit / Property appraised value.) After the 12-month introductory period, the APR will vary for the life of the loan. APR may change no more than once per month. As of 12/14/2017, the variable rate for lines of credit varies from Prime to Prime + 2.50% depending on the credit line amount and CLTV, currently 4.50% APR to 7.00% APR. Maximum credit line of $100,000 for loans with a CLTV of 80% or more. Pre-payment fee of $500 may apply to credit lines of $25,000 or more. Subject to credit approval. Property insurance required. Rates are subject to change without notice. Contact First Federal Bank for current rates. Offer available for new MasterLine Equity Lines of Credit only and requires having or opening a First Federal Bank Checking account.

Auto Loans

Term APR* New (2017 - 2018) APR* Used (2011-2016)
36-Month Loan 2.75% 3.25%
48-Month Loan 3.00% 3.50%
60-Month Loan 3.25% 3.75%
72-Month Loan 3.50% --%

*Annual percentage rate. The APR assumes the maximum loan amount. For example, a $65,000 loan amount with 60 monthly payments of $1,175.20 would be required.

Loan amounts can range from $5,000 up to $65,000

Sales Tax:
Add 0.50% to rates above if financing additional 10% for sales tax.

Credit Scores:
Add 0.50% to rates above for Credit Scores of 720 or less
Add 1.00% to rates above for Credit Scores of 680 or less

New Cars:
Lesser of purchase price, or 100% of MSRP ("sticker price.")

Used Cars:
Lesser of purchase price or average trade-in value (vehicles with salvage titles ineligible.)

Mileage limit: > 100,000 miles limited to a 36-month loan term.

Document prep fee: $100

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