Certificates of Deposit (CDs) Learn More
| 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 1/2/2025. 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Annual Percentage Yield (APY) assumes interest credited is not withdrawn until maturity or renewal.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 1/2/2025.
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%.
Jumbo Certificates of Deposit Back to Top Learn More
| 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 1/2/2025 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Annual Percentage Yield (APY) assumes interest credited is not withdrawn until maturity or renewal.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%.
SuperSaver Savings Back to Top Learn More
| 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.
Money Market Back to Top
| 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.
Business Money Market Back to Top
| 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.