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.
1/11/2019 - 2/14/2019
| Term of Deposit | Rate | APY* | Min. Balance to Earn APY |
|---|---|---|---|
| Special 23-Month CD | 2.65% | 2.68% | $1,000 |
| 2.75% | 2.78% | $10,000 | |
| 2.85% | 2.88% | $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.
| 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.
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% | Up to 90% CLTV, Fixed for 12 Months** |
| $10,000 - $24,999 1 | Prime + 2.50% | 8.00% | 90% |
| $25,000 - $100,000 1 | Prime + 1.00% | 6.50% | 90% |
| $100,000 - $200,000 | Prime + 0.00% | 5.50% | 80% |
1 - For Combined-Loan-to-Values of 80% or less for credit lines of $100,000 or less, subtract 0.50% from rates above.
Prime rate is 5.50%, as of 12/20/2018 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 90% 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 9/27/2018, the variable rate for lines of credit varies from Prime to Prime + 2.50% depending on the credit line amount and CLTV, currently 5.50% APR to 8.00% 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.
| Loan Term | Rate | APR* | Loan Amount |
|---|---|---|---|
| 60 Months | 5.50% | 5.92% | $5,000 |
| 6.50% | 6.92% | $10,000 | |
| 7.25% | 7.67% | $15,000 | |
| 84 Months | 7.00% | 7.31% | $10,000 |
| 7.50% | 7.81% | $15,000 | |
| 120 Months | 7.75% | 7.98% | $15,000 |
*APR = Annual Percentage Rate. All loans subject to credit approval. An origination fee of 1% of the loan balance applies to all loans. Rates reduced 0.5% for customers with a First Federal Bank Checking account & direct deposit.