Get into your forever home with financing from First Fed1
A fixed rate mortgage is ideal for homebuyers planning to live in the same house for a long time.
Benefits You'll Love
- Can be used to purchase a home or refinance
- Competitive rates and various terms to choose from2
- A consistent monthly payment that makes budgeting easy
- Peace of mind knowing your rate and payment won't change
- Fixed rate mortgage loans can be used for your primary residence, second home, or investment property
- Terms include 10-year, 15-year, 20-year, 25-year, and 30-year options2
- First Fed's Mortgage Banking Professionals are industry experts that provide exceptional service, ensuring you:
- Have a convenient pre-approval process, giving you additional confidence when looking for your next home
- Find a home loan that fits you and your unique situation
- Get market advice and insights from local, community-minded specialists
- Receive quick, efficient decision-making and processing
- Go through a home-buying or refinancing experience that makes you feel like a VIP
Wondering about how to afford your mortgage down payment? You might qualify for an Affordable Down Payment option. Click here to learn more!
Sometimes a conventional mortgage loan isn't the best fit for you and your unique situation. Review our Specialty Mortgage Programs to see if there is a better option for you - click here!
1Not a commitment to lend. Terms are subject to change without notice. Subject to credit approval.
2Actual loan payments may vary based on principal loan amount and interest, term, and will depend on additional factors such as property taxes and insurance. First Federal Bank has several options under each stated loan term to best tailor a mortgage option to fit your needs. Down payment as low as 3% of the purchase price for qualifying mortgage products. Loan-to-value of above 80% may require mortgage insurance. Lower down payment or down payment assistance options may be available. Talk to a Mortgage Banking Professional for additional details. All offers are subject to credit approval and terms and conditions may apply. Rates and terms are subject to change without notice.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit (CDs)
| Term | Interest Rate | APY |
|---|---|---|
| 7-Month Rate Bump w/ Checking1 | 4.70% | 4.80% |
| 7-Month Rate Bump w/o Checking1 | 4.31% | 4.40% |
| 11-Month No Penalty2 | 4.12% | 4.20% |
| 3 Months | 4.36 % | 4.45 % |
| 6 Months | 4.51 % | 4.60 % |
| 12 Months | 4.60 % | 4.70 % |
| 18 Months | 4.41 % | 4.50 % |
| 30 Months | 3.35 % | 3.40 % |
| 4 Years | 3.06 % | 3.10 % |
| 5 Years | 3.20 % | 3.25 % |
$500 Minimum Deposit to Open.
Interest rates and APYs are accurate as of 6/3/2024 Rates are subject to change at any time.
Annual Percentage Yield (APY) assumes interest credited is not withdrawn until maturity or renewal. Principal withdrawals prior to the maturity or renewal date may be subject to early withdrawal penalties. Penalties are not assessed if the account holder is deceased. Renewal grace period is seven (7) calendar days. Fees may reduce earnings on the account. Stated APY is current as of 6/03/2024.
1 If, during the original term of this CD, our CD rate for the same term increases, the account holder(s) may request a one-time increase to the originally disclosed rate. This request will not alter the original maturity date.
2 Earn 4.12% with an annual percentage yield (APY) of 4.20%. This APY is accurate as of 6/03/2024. This offering is for a limited time and subject to change at any time. $5,000.00 minimum deposit to open account. Interest will be compounded and credited monthly. Minimum deposits of $1,000.00 can be made at any time. Penalty-free withdrawals with a minimum amount of $1,000.00 will be permitted any time after the first six (6) calendar days of account opening. Total close-out required if account balance drops below $1,000.00.
Home Equity Loans
| Product | Rate | APR |
|---|---|---|
| Home Equity Line of Credit (HELOC)1 | 8.250% | 8.251% |
| Home Equity Loan2 | 6.375% | 6.378% |
1 HELOC stated APR Annual Percentage Rate (APR) subject to criteria, including automatic payment from a First Federal checking account. HELOC initial payment is interest-only. Line of credit is accessible for ten years followed by a fifteen-year repayment period. Variable interest rate may increase after consummation. Property insurance may apply. Maximum APR of 18.00%. You may also be required to pay certain fees to third parties (such as appraisers, credit reporting firms, and government agencies) to open a line. These fees generally total between $0.00 and $1,200.00. If you ask, we will give you an itemization of the fees you will have to pay to third parties. In Idaho, the title insurance premium (if applicable) and mortgage recording tax will be based on the maximum amount of the credit line available to you, regardless of how much is advanced to you at any time. Rate quoted is for liens in first position. Loans in second lien position will have higher rates.
2 Rates vary by qualification and term selected. Rate quoted is for liens in first position. Loans in second lien position will have higher rates
Jumbo Certificates of Deposit
| Term | Interest Rate | APY |
|---|---|---|
| 7 - Month Rate Bump w/ Checking1 | 4.79 % | 4.90 % |
| 7 - Month Rate Bump w/o Checking1 | 4.41 % | 4.50 % |
| 3 Months | 4.46 % | 4.55 % |
| 6 Months | 4.60 % | 4.70 % |
| 12 Months | 4.70 % | 4.80 % |
| 18 Months | 4.51 % | 4.60 % |
| 30 Months | 3.45 % | 3.51 % |
| 4 Years | 3.15 % | 3.20 % |
| 5 Years | 3.30 % | 3.35 % |
$100,000 minimum deposit to open.
Interest rates and APYs are accurate as of 6/3/2024 Rates are subject to change at any time.
Annual Percentage Yield (APY) assumes interest credited is not withdrawn until maturity or renewal. Principal withdrawals prior to the maturity or renewal date may be subject to early withdrawal penalties. Penalties are not assessed if the account holder is deceased. Renewal grace period is seven (7) calendar days. No minimum balance is required to obtain the disclosed APY. Fees may reduce earnings on the account.
1 If, during the original term of this CD, our CD rate for the same term increases, the account holder(s) may request a one-time increase to the originally disclosed rate. This request will not alter the original maturity date.
Kasasa Cash*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $15,000 | $x | 0.00% | 0.00% |
| $15,000+ | $x | 0.00% | 0.00% |
| All balances if qualifications not met | $x | 0.00% | 0.00% |
Qualifications
xx
Kasasa Saver*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $15,000 | $x | 0.00% | 0.00% |
| $15,000+ | $x | 0.00% | 0.00% |
| All balances if qualifications not met | $x | 0.00% | 0.00% |
Qualifications
xx
SuperSaver Savings
| Daily Balance Range | Interest Rate | Depending on Account Balance, Annual Percentage Yield (APY1) will: |
|---|---|---|
| $0.01 to $500.00 | 10.00% | Equal 10.47% APY |
| NEXT $500 $500.01 to $1,000.00 |
5.00% | Range from 10.47% to 7.79% APY |
| NEXT $1,000 $1,000.01 to $2,000.00 |
1.00% | Range from 7.79% to 4.40% APY |
| Greater than $2,000.00 | 0.10% | Range from 4.40% to 0.10% APY |
1 To qualify for the Annual Percentage Yield (APY), the following requirements must be met during a monthly statement cycle: Minimum of one (1) Round-Up transfer2 from checking account; minimum of one (1) deposit of at least $30 or two (2) deposits of at least $15; no withdrawal transactions; receive e-statements. If eligibility requirements are not met, the interest rate will be 0.10% with an APY of 0.10%. Interest is compounded and credited monthly. $10 minimum opening deposit required. The APY is accurate as of 9/18/2023. The interest rate on this variable rate account may change at any time at our discretion. Each primary account holder is allowed one (1) SuperSaver account per tax identification number.
2 Round-Up transfers must be posted, not pending or processing.