First Fed Bank: Savings Accounts, CDs, Money Market & Rates

By Aviel Fahl

Updated: 8/19/2026

Mission: Banksparency aims to make First Fed Bank's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of First Fed Bank

Our verdict

CD Analysis

First Fed Bank offers CDs paying up to 4.00% APY on its 13 months term, across 12 term lengths.

Tracking 17 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 4.00% APY for a 13 months term and laddering across multiple maturities.

First Fed Bank also offers First Savings, a high-yield savings account paying 2.25% APY with a $1 minimum deposit.

At 2.25% APY, First Fed Bank pays 6x the national savings average of 0.38%.

Additional Accounts

Alpine Savings, a savings account at 1.95% APY.
Summit Savings, a savings account at 0.03% APY.
First Rate Money Market, a money market account at 0.01% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

Important Considerations

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Deposit Accounts Overview

Madrona Business Money Market

Savings

2.75% APY

Tiered Range: 0.25% - 2.75%

StableNo rate changes in last 7 days

Min: $10,000 Branch Access

Rank #124 of 337 tracked.

First Savings

Savings

2.25% APY

StableNo rate changes in last 7 days

Min: $1 Branch Access

Rank #133 of 337 tracked.

Premium Business Savings

Savings

2.00% APY

Tiered Range: 0.03% - 2.00%

StableNo rate changes in last 7 days

Min: $100,000 Branch Access

Rank #139 of 337 tracked.

Opening requires $100,000 of new money, meaning funds not held on deposit at First Fed within the last 30 days. Existing First Fed funds can be added after the account is open.

Alpine Savings

Savings

1.95% APY

Tiered Range: 0.03% - 1.95%

StableNo rate changes in last 7 days

Min: $100,000 Branch Access

Rank #142 of 337 tracked.

Opening requires $100,000 of new money, meaning funds not held on deposit at First Fed within the last 30 days. Existing First Fed funds can be added after the account is open.

Business Savings

Savings

0.03% APY

StableNo rate changes in last 7 days

Min: $100 Branch Access

Rank #316 of 337 tracked.

Holiday Club

Savings

0.03% APY

StableNo rate changes in last 7 days

Min: $25 Branch Access

Rank #317 of 337 tracked.

Summit Savings

Savings

0.03% APY

StableNo rate changes in last 7 days

Min: $100 Branch Access

Rank #318 of 337 tracked.

Spruce Money Market

Money Market

0.01% APY

Min: $10,000 Branch Access

First Rate Money Market

Money Market

0.01% APY

Min: $1,000 Branch Access

Market Reality Check

This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.

See Top Rates

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationPort Angeles, WA
Deposit InsuranceFDIC Insured(Cert: 28405)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Aug 19, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Deposit Accounts: In-Depth View

Savings Accounts Offered by First Fed Bank

Feature	First Savings	Premium Business Savings	Alpine Savings	Holiday Club	Business Savings	Summit Savings
APY	2.25%Verified: 8/19/2026	2.00%Range: 0.03% - 2.00%Verified: 8/19/2026	1.95%Range: 0.03% - 1.95%Verified: 8/19/2026	0.03%Verified: 8/19/2026	0.03%Verified: 8/19/2026	0.03%Verified: 8/19/2026
APY Trend	StableNo rate changes in last 7 days	StableNo rate changes in last 7 days	StableNo rate changes in last 7 days	StableNo rate changes in last 7 days	StableNo rate changes in last 7 days	StableNo rate changes in last 7 days
Min. Deposit	$1	$100,000	$100,000	$25	$100	$100
Min. Balance	$0	$0	$0	$0	$0	$0
Monthly Fee	N/A	N/A	N/A	N/A	N/A	N/A
Direct Deposit	None	None	None	None	None	None
Checking Bundle	No	No	No	No	No	No
In-Branch Access	Yes	Yes	Yes	Yes	Yes	Yes
Compounding	Daily	Daily	Daily	Daily	Daily	Daily
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes
Eligibility	United States	United States	United States	United States	United States	United States
Important	-	Opening requires $100,000 of new money, meaning funds not held on deposit at First Fed within the last 30 days. Existing First Fed funds can be added after the account is open.	Opening requires $100,000 of new money, meaning funds not held on deposit at First Fed within the last 30 days. Existing First Fed funds can be added after the account is open.	-	-	-
Next Steps	-	-	-	-	-	-

Interactive Tool

Calculate Savings for First Fed Bank

All calculations are based on APY.

Choose savings account

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$2,368.40(9.3%)
Total Contributions
$13,000
Initial Deposit
$10,000

Projected Balance

$25,368.40

Effective APY

2.75%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

First Fed Bank Deposit Rates Over Time

No historical data available.

Compare with First Fed Bank

Feature	Current View First Fed Bank	Empty Slot
Product		-
APY	2.25%Verified: 8/19/2026	-
APY Trend	StableNo rate changes in last 7 days	-
Min. Deposit	$1	N/A
Monthly Fee	N/A	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	Daily	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

CD Overview

4.00% Highest APY

Across 17 CD products with terms: 9 months, 12 months, 60 months, 48 months, 36 months, 24 months, 6 months, 3 months, 2 months, 18 months, 13 months, 7 months

CD Products Offered by First Fed Bank

Feature	Fixed CD 46 Day 2 months	Fixed CD 3 Month 3 months	Fixed CD 6 Month 6 months	Jumbo CD 6 Month 6 months	CD Promo 7 Month 7 months	Variable Rate CD 9 Month 9 months	IRA CD 12 Month 12 months	Fixed CD 1 Year 12 months	Jumbo CD 12 Month 12 months	CD Promo 13 Month 13 months	Jumbo CD 18 Month 18 months	Fixed CD 2 Year 24 months	Fixed CD 3 Year 36 months	IRA CD 36 Month 36 months	Fixed CD 4 Year 48 months	Fixed CD 5 Year 60 months	IRA CD 60 Month 60 months
APY	0.05%Verified: 8/19/2026	2.25%Verified: 8/19/2026	2.25%Verified: 8/19/2026	2.75%Verified: 8/19/2026	3.60%Verified: 8/19/2026	0.25%Verified: 8/19/2026	3.64%Verified: 8/19/2026	2.50%Verified: 8/19/2026	3.00%Verified: 8/19/2026	4.00%Verified: 8/19/2026	2.75%Verified: 8/19/2026	2.25%Verified: 8/19/2026	2.25%Verified: 8/19/2026	2.90%Verified: 8/19/2026	1.90%Verified: 8/19/2026	1.90%Verified: 8/19/2026	2.54%Verified: 8/19/2026
Term	2 months	3 months	6 months	6 months	7 months	9 months	12 months	12 months	12 months	13 months	18 months	24 months	36 months	36 months	48 months	60 months	60 months
Min. Deposit	$100	$100	$100	$100,000	$5,000	$25	$500	$100	$100,000	$10,000	$100,000	$100	$100	$500	$100	$100	$500
Early Withdrawal	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Notes	-	-	-	-	-	Variable rate. The APY can change during the term.	Open in a branch or by phone.	-	-	-	-	-	-	Open in a branch or by phone.	-	-	Open in a branch or by phone.

First Fed Bank CD Rates Over Time

Not enough rate history to show a chart. We have CD rates for this bank from one day only. The chart shows when we collect more data.

Money Market Accounts Offered by First Fed Bank

Feature	Spruce Money Market	First Rate Money Market
APY	0.01%Verified: 8/19/2026	0.01%Verified: 8/19/2026
Min. Deposit	$10,000	$1,000
Min. Balance	$1	$0
Monthly Fee	N/A	N/A
Direct Deposit	None	None
In-Branch Access	Yes	Yes
Compounding	Daily	Daily
FDIC Insured	Yes	Yes
Eligibility	United States	United States

Alternatives to First Fed Bank

Banks with Higher/Similar Savings APY

For a top list of the highest savings rates, see all HYSA top rates

Climate First Bank

Super Savings: 3.56% APY

Minimum Deposit: $50

Youth Savings: 3.56% APY

Minimum Deposit: $25

Impact Money Market: 3.96% APY

Minimum Deposit: $50,000

Super Duper Savings Account: 4.01% APY

Minimum Deposit: $50

Business Money Market: 4.26% APY

Bundled Savings & Checking Account

Minimum Deposit: $50

Fall River Five Cents Savings Bank

Statement Savings: 0.05% APY

Minimum Deposit: $10

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Minimum Deposit: $10

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Minimum Deposit: $25

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Minimum Deposit: $5

eAccess Savings: 0.60% APY

Minimum Deposit: $10

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Accelerator Money Market: 2.42% APY

Minimum Deposit: $25,000

High Option Money Market: 0.15% APY

Minimum Deposit: $100

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Pibank Savings: 4.10% APY

Minimum Deposit: $0

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FirstBank of Nebraska

IRA Savings: 2.02% APY

Minimum Deposit: $100

First Savings: 0.50% APY

Minimum Deposit: $25

Holiday Savings: 0.50% APY

Minimum Deposit: $10

First Money Market: 2.78% APY

Minimum Deposit: $2,500

Health Savings Account: 1.51% APY

Minimum Deposit: $100

Business Savings: 0.50% APY

Minimum Deposit: $500

Business Money Market: 2.78% APY

Minimum Deposit: $2,500

Petefish, Skiles & Co.

Health Savings: 3.03% APY

Minimum Deposit: N/A

Regular Savings: 0.20% APY

Minimum Deposit: N/A

IRA Floating Rate: 1.96% APY

Minimum Deposit: $1,000

Investor Fund: 0.25% APY

Minimum Deposit: N/A

Investor Elite: 0.75% APY

Minimum Deposit: N/A

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Savings Account: 3.00% APY

Minimum Deposit: $0

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Minimum Deposit: $0

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Minimum Deposit: $10

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Minimum Deposit: $0

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Minimum Deposit: $0

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Flagstar Performance Savings: 3.20% APY

Minimum Deposit: $1

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Premium Savings Account: 3.50% APY

Minimum Deposit: $0

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Performance Savings: 3.90% APY

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