Rates

We make it easy to find the best rates because we know you have better things to wrestle with.

Deposit Rates

Rates accurate as of 10/23/2019 and subject to change without notice.


Certificates of Deposit

Term of Deposit Rate APY* Min. Balance to Earn APY
Special 23-Month CD 2.00% 2.02% $1,000
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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