All the cash you need, under one roof
Use the equity in your home to secure competitive rate financing for home improvements, repairs, and more!
Benefits You'll Love
- Use the equity in your home to access more cash
- Enjoy low, fixed rates for the life of the loan
- Tax-deductible interest payments
- Flexible repayment terms
Home Equity Loans
Unlike a Home Equity Line of Credit or revolving credit cards, Home Equity loans are for a fixed period, with a fixed rate of interest. A home equity loan is great for when you have a significant expense and need a lump-sum of money all-at-once.
- Low fixed rate that doesn’t change over the life of the loan
- Fixed payments
- Interest may be tax-deductible2
Rates and APRs below as of 11/22/2024.
| Product | Rate | APR |
|---|---|---|
| Home Equity Line of Credit (HELOC)1 | 7.5% | 7.524% |
| Home Equity Loan3 | 6.5% | 6.534% |
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.
HELOCs
You have big ideas. We have low rates to make them happen. A HELOC1 gives you the flexibility to borrow against the line whenever you need it. It’s perfect for when you don’t quite know what your project is going to cost or have a set timeframe around using the funds.
- Interest is only charged on the outstanding balance on the line
- Borrow what you need, when you need it
- 10-year draw time; 15-year repayment term
- Interest may be tax-deductible2
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.
First Federal Bank accepts a U.S. issued ITIN* for loan applications!
Visit any of our branches to apply for:
- Home Loans**
- Home Equity Line of Credit (HELOCs)
- Fixed Home Equity Loans
- Lot Loans
- Auto Loans
- Savings Secured Loans
*Applicants must provide an additional form of government issued identification. Must also have established deposit account at First Federal.
**Loan-to-Value (LTV) maximum is 85%.
ITIN home loans and equity loans are only available for properties located in Idaho.
All credit products subject to approval. Institution NMLS#402963
¡Ofrecemos Préstamos ITIN!
¡First Federal Bank acepta su número ITIN* para aplicaciones de préstamo!
Visite cualquiera de nuestros sucursales para aplicar por:
- Préstamos hipotecarios**
- Lineas fijas de crédito sobre el valor neto de la casa
- Línea de crédito con garantía hipotecaria
- Préstamos para terrenos
- Préstamos para automóvil
- Préstamos asegurados por cuenta de ahorros
*Aplicantes deben presentar una identificación oficial vigente emitida por el gobierno. Una cuenta de depósito establecida con First Federal también es requerida.
**El máximo de préstamo a valor es 85%
Los préstamos hipotecarios de ITIN y los préstamos sobre el valor líquido de la vivienda solo están disponibles para propiedades localizado en Idaho.
Todos los productos de crédito son sujetos de ser aprovados. Institución NMLS #402963
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 |
|---|---|---|
| 5-Month Rate Bump w/ Checking1 | 4.25% | 4.33% |
| 5-Month Rate Bump w/o Checking1 | 3.86% | 3.93% |
| 3 Months | 4.00% | 4.07% |
| 6 Months | 4.16% | 4.24% |
| 12 Months | 3.80% | 3.87% |
| 18 Months | 3.66% | 3.72% |
| 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 11/18/2024. 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 11/18/2024.
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 4.33% annual percentage yield (APY). Customers without a First Federal checking account earn 3.86% with an APY of 3.93%.
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. 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 |
|---|---|---|
| 5 - Month Rate Bump w/ Checking1 | 4.35% | 4.44% |
| 5 - Month Rate Bump w/o Checking1 | 3.96% | 4.03% |
| 3 Months | 4.10% | 4.18% |
| 6 Months | 4.25% | 4.33% |
| 12 Months | 3.90% | 3.97% |
| 18 Months | 3.76% | 3.83% |
| 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 11/18/2024 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 4.44% annual percentage yield (APY). Customers without a First Federal checking account earn 3.96% with an APY of 4.03%.
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
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.