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.
5/12/2018 - 6/14/2018
| Term of Deposit | Rate | APY* | Min. Balance to Earn APY |
|---|---|---|---|
| Special 13-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 | 2.75% | 2.78% | $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.
| 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.
| 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% | Any CLTV, Fixed for 12 Months** |
| $10,000 - $24,999 1 | Prime + 2.50% | 7.25% | 95% |
| $25,000 - $100,000 1 | Prime + 1.00% | 5.75% | 95% |
| $100,000 - $200,000 | Prime + 0.00% | 4.75% | 80% |
1 - For Combined-Loan-to-Values of 80% or less, subtract 0.50% from rates above.
Prime rate is 4.75%, as of 3/22/2018 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 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 3/222018, the variable rate for lines of credit varies from Prime to Prime + 2.50% depending on the credit line amount and CLTV, currently 4.75% APR to 7.25% 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.
| 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