Previous RPS Winners

2023 Magic Valley Winners

Champion Charity
1st Place - Harris CPAs Andra Johnson donated $10,000 to Broken Hearts Rescue
2nd Place - A Box of Barks Amy Box won $4,000 for Friends Furever Animal Rescue
3rd Place - Farm Bureau Insurance Jennifer Cook donated the $2,000 prize to Valley House Homeless Shelter
4th Place - The Ellis Team at Farm Bureau Jade Sparrow won $1,000 for the JAE Foundation
Best Introduction Winner - 208 Real Estate Tyler Skidmore donated the $600 prize to Rising Stars Therapeutic Riding Center 

 

2023 Treasure Valley Winners

Champion Charity
1st Place - Elite Restoration Brenon Lawrence donated $10,000 to Meridian Firefighters Burnout and Benevolence Fund
2nd Place - Conger Management Group Alysa Beauchamp won $4,000 for Leukemia & Lymphoma Society
3rd Place - Foothills Physical Therapy Courtney Garner donated the $2,000 prize to Bustin' Out of Boise
4th Place - DK Constructors Jake Dyer won $1,000 for First Tee of Idaho
Best Introduction Winner - CBH Homes CBH donated the $600 prize to Leukemia & Lymphoma Society - Light the Night Walk in Boise

 

2022 Magic Valley Winners

Champion Charity
1st Place - Threads, USA Michael York split the $10,000 prize between four charities. Magic Valley Pediatric Cancer Coalition- MVPCC, Boys and Girls Club of MV, Fifth Judicial District CASA Program, and the Jae Foundation
2nd Place - Plant Therapy Jeff Whittington won $6,000 for PanCAN PurpleStride
3rd Place - CPR: Physical Therapy + Performance Sutter Wyatt DPT donated the $2,000 prize to the Ronald McDonald House Charities of Idaho
4th Place - Gateway Real Estate Lynn C. Rasmussen won $1,000 for Fifth Judicial District CASA Program

 

2022 Treasure Valley Winners

Champion Charity
1st Place - Windermere Powerhouse Group, LLC Tracy Thompson won a $10,000 donation for City Light Home for Women
2nd Place - Hallmark Homes Jordan Maybon won $6,000 for Operation Underground Railroad
3rd Place - Hobson Fabricating Tara Pichette donated the $2,000 prize to Big Brothers, Big Sisters
4th Place - United Metals Recycling/United Hauling
(Sponsored by First Fed)		 Brian Ferguson won the $1,000 for Idaho Veterans Gardens
Loudest Crowd Winner - $500 Boys & Girls Club of Canyon County

 

2021 Magic Valley Winners

Champion Charity
1st Place - Rudy's A Cook's Paradise Conrad Anderson won a $10,000 donation for Because KIDS Grieve
2nd Place - Perrine Man Press Ben Houser won $4,000 for A21
3rd Place - Advanced Dental Care of Twin Falls Brook Lanting donated the $2,000 prize to Sleep in Heavenly Peace
4th Place - Real Deals
(Sponsored by HUB International)		 McKayla Bulkley won $500 for Operation Underground Railroad

 

2021 Treasure Valley Winners

Champion Charity
1st Place - Nampa Housing Authority Raymond Munster won a $10,000 donation for Breaking Chains Academy
2nd Place - Hobson Fabricating Tara Pichette won $4,000 for Big Brothers, Big Sisters
3rd Place - Empire- Idaho Title Stephanie Johnson donated the $2,000 prize to St. Jude
4th Place - Highland Homes
(Sponsored by First Fed)		 Mike Dildine won $500 for Chair the Hope

 

2020 Virtual Winners

Champion Charity
1st Place - Coldwell Banker Canyonside Realty $5,000 donation for Homes for Dogs Event
2nd Place - Plant Therapy $2,000 for Optimist Youth House
3rd Place - Lytle Signs $1,000 for MV Youth Orchestra/Symphony & Twin Falls Senior Center
Kasasa Cash CalculatorDisclaimer

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.

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*Qualifications, limits and other requirements may apply. See details for more info.

**The maximum total of refunds on ATM withdrawal fees per monthly qualification cycle is 25.

Buy vs. Lease CalculatorDisclaimer

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.

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CD CalculatorDisclaimer

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Savings Goal CalculatorDisclaimer

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Simple Loan CalculatorDisclaimer

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Business Money Market

Tier Average Daily Balance Range Interest Rate Annual Percentage Yield (APY)
1 Below $1,000.00 0.0500% 0.05%
2 Equal to or greater than $1,000.00 but less than $10,000.00 0.2500% 0.25%
3 Equal to or greater than $10,000.00 but less than $25,000.00 0.5000% 0.50%
4 Equal to or greater than $25,000.00 but less than $50,000.00 0.7500% 0.75%
5 Equal to or greater than $50,000.00 but less than $100,000.00 1.0000% 1.00%
6 Equal to or greater than $100,000.00 but less than $250,000.00 1.5000% 1.51%
7 Equal to or greater than $250,000.00 but less than $500,000.00 2.0000% 2.02%
8 Equal to or greater than $500,000.00 but less than $1,000,000.00 2.5000% 2.53%
9 Equal to or greater than $1,000,000.00 but less than $2,500,000.00 3.0000% 3.04%
10 Equal to or greater than $2,500,000.00 3.2500% 3.30%

Rates are accurate as of 12/2/2024. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account at any time. There are no maximum or minimum interest rate limits for this account. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will receive the accrued interest. You must deposit $1,000.00 to open this account. A service fee of $10.00 will be imposed every month if the average daily balance for the month falls below $1,000.00. You must maintain a minimum average daily balance of $5.00 to obtain the disclosed annual percentage yield. A dormant account fee of $5.00 per month will be charged after 12 months of inactivity. Interest earnings credited to the account, if any, are not considered account activity.

We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The average daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment when we determine the average daily balance on which interest is paid. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Withdrawals from your MMDA are limited to six (6) per statement cycle. A fee of $10.00 will be charged for each transaction in excess of limit. Please refer to the separate Fee Schedule provided to you with this disclosure for information about fees and charges associated with this account. A Fee Schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

Certificates of Deposit (CDs)

Term Interest Rate APY
5-Month Rate Bump w/ Checking1 4.05% 4.13%
5-Month Rate Bump w/o Checking1 3.61% 3.67%
3 Months 3.80% 3.87%
6 Months 3.96% 4.03%
12 Months 3.60% 3.66%
18 Months 3.46% 3.52%
30 Months 3.00% 3.04%
4 Years 3.05% 3.09%
5 Years 3.10% 3.14%

$500 Minimum Deposit to Open.

Interest rates and APYs are accurate as of 12/19/2024. 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 12/19/2024.

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. First Federal Bank checking account required to earn 4.13% annual percentage yield (APY). Customers without a First Federal checking account earn 3.61% with an APY of 3.67%.

Home Equity Loans

Product Rate APR
Home Equity Line of Credit (HELOC)1 7.250% 7.273%
Home Equity Loan2 6.875% 6.909%

For products not listed above, including government insured, contact one of our Mortgage Banking Professionals.

1HELOC 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. 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.

2Consult your tax advisor. Deductibility of mortgage interest may vary dependent on your individual tax situation and purpose of loan funds.

3Rates 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
5 - Month Rate Bump w/ Checking1 4.15% 4.23%
5 - Month Rate Bump w/o Checking1 3.71% 3.77%
3 Months 3.90% 3.97%
6 Months 4.05% 4.13%
12 Months 3.70% 3.76%
18 Months 3.56% 3.62%
30 Months 3.10% 3.14%
4 Years 3.15% 3.20%
5 Years 3.20% 3.25%

$100,000 minimum deposit to open.

Interest rates and APYs are accurate as of 12/19/2024   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. First Federal Bank checking account required to earn 4.23% annual percentage yield (APY). Customers without a First Federal checking account earn 3.71% with an APY of 3.77%.

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

Loan Rates

Loan Rates

Money Market

Tier Average Daily Balance Range Interest Rate Annual Percentage Yield (APY)
1 Below $1,000.00 0.0500% 0.05%
2 Equal to or greater than $1,000.00 but less than $10,000.00 0.2500% 0.25%
3 Equal to or greater than $10,000.00 but less than $25,000.00 0.5000% 0.50%
4 Equal to or greater than $25,000.00 but less than $50,000.00 0.7500% 0.75%
5 Equal to or greater than $50,000.00 but less than $100,000.00 1.0000% 1.00%
6 Equal to or greater than $100,000.00 but less than $250,000.00 1.5000% 1.51%
7 Equal to or greater than $250,000.00 but less than $500,000.00 2.0000% 2.02%
8 Equal to or greater than $500,000.00 but less than $1,000,000.00 2.5000% 2.53%
9 Equal to or greater than $1,000,000.00 but less than $2,500,000.00 3.0000% 3.04%
10 Equal to or greater than $2,500,000.00 3.2500% 3.30%

Rates are accurate as of 12/2/2024. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account at any time. There are no maximum or minimum interest rate limits for this account. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will receive the accrued interest. You must deposit $1,000.00 to open this account. A service fee of $10.00 will be imposed every month if the average daily balance for the month falls below $1,000.00. You must maintain a minimum average daily balance of $5.00 to obtain the disclosed annual percentage yield. A dormant account fee of $5.00 per month will be charged after 12 months of inactivity. Interest earnings credited to the account, if any, are not considered account activity.

We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The average daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment when we determine the average daily balance on which interest is paid. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Withdrawals from your MMDA are limited to six (6) per statement cycle. A fee of $10.00 will be charged for each transaction in excess of limit. Please refer to the separate Fee Schedule provided to you with this disclosure for information about fees and charges associated with this account. A Fee Schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

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.