Convenient Banking is here
Enhance your banking experience with online bill pay!
Benefits You'll Love
- Easily find your most commonly used transactions
- Simplify your life with an easy-to-use Bill Pay experience
- Free, safe, and secure way to pay bills online
Our Online Banking experience has a fresh, modern design and is fast and easy to use. Here are just a few of the exciting features:
- Enjoy a consistent look and feel across all your devices
- Easily find your most commonly used transactions
- Simplify your life with an easy-to-use Bill Pay experience
- Get a complete view of our finances, even your non-First Federal accounts
- Quickly find your most important data with our Search functionality
- Find a convenient branch or ATM wherever you are with interactive maps
Bill Pay
Tired of buying checks, stamps, and mailing bills every month? First Federal's Bill Pay is a free, safe, and secure way to pay bills online. Pay anyone in the United States that you normally would pay by check or automatic debit.
To use Bill Pay, you must first be enrolled in Online Banking and cookies on your device must be enabled.
With Bill Pay, you can:
- Request Expedited Payments
- You may expedite a payment by overnight mail*
- Retain up to 2 years (24 months) of Bill Pay history
- Set up E-Bills delivered right to you
- And, best of all, our Bill Pay is free!
*Additional terms and conditions may apply.
An E-Bill is an electronic version of your bill that you can view inside Bill Pay and pay immediately. To set up E-Bills in Bill Pay, click on Set Up E-Bills, then follow the instructions. Log into online banking now to set up E-Bills!
- The cut-off time for next business day electronic payment processing is 2:00 p.m. MT.
- In some instances, payments to certain payees may take slightly longer to process. Longer payment processing may occur when a payment is processed as a paper check. Check payments normally take four (4) business days to reach the payee. A check payment will clear your account after the payee's financial institution has processed the check.
- To determine how long a payment will take to reach the payee, click on the payee name and review the number of business days stated for the payment to arrive. Electronic payments generally process the next business day, if scheduled before 2:00 p.m. MT.
- Many payees are electronic and next business day payments can be made if the payment is scheduled before 2:00 p.m. MT. However, if you need to quickly pay an individual or business that is not paid electronically, schedule an Expedited Payment. This check payment will be sent by overnight mail to reach the payee quickly. A fee applies for an Expedited Payment.
- An electronic payment will clear your checking account on the day you choose the bill to be paid. That can be as quick as the next business day if the payee accepts electronic payments and the payment request is submitted before 2:00 p.m. MT. A check payment will clear your account after the payee's financial institution has processed this check.
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Why does my mobile app keep asking me for a Secure Access Code?
Users who encounter this problem usually don't need to authenticate more than twice. After that, they can access the app as normal.
Why isn’t my mobile app working and saying it is requesting an update?
Updates are needed to keep your information in the app secure. Please uninstall and reinstall the app.
You can download the Apple (iOS) version here: Apple App Store
You can download the Android version here: Google Play
I cannot get online banking to respond in my web browser. Why not?
You may be using an older version of a web browser (Chrome, Internet Explorer, Firefox, Edge) which isn’t supported by the new online banking system. Please update your browser or download a different, more updated browser.
How do I remove the registration of a computer/browser?
Delete your cookies or just the cookies related to First Federal’s Online Banking site.
I registered a computer during a previous login, but the system is asking me to register it again. Why?
Your computer could be configured to remove cookies. Using a different browser on the same computer will also require you to authenticate again.
How do I change my online banking password after I’m logged in?
Within the navigation tab, click Security Preferences -> Change Password.
I am unable to receive a Secure Access Code (SAC) during my first login. What should I do?
It is likely that we don’t have the correct number listed on your account. Please call our customer service team at 208-733-4222.
I have a new cell phone number and I want to reset the number I use to receive Secure Access Codes (SACs). How do I update this?
You will need to call our Customer Service Center at 208-733-4222. They will be able to update your phone number.
How do I unlock my account after entering too many wrong passwords?
If you need help with your password, please call our customer service team at 208-733-4222.
I am not getting the Alerts I used to have.
You can review and manage all alerts by going to Settings -> Alerts.
I can see some of my payees in Bill Pay, but not all of them.
Inactive payees are hidden in the bill pay system. Click the drop-down arrow next to View All at the top of the bill pay screen. Click Show/Hide Billers. This will show all billers that are hidden. You can uncheck the box to have them displayed.
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Don’t see your question here? Reach out to our customer service team at 208-733-4222.
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
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.