First Federal Community Bank, National Association: Savings Accounts, CDs, Money Market & Rates

Updated: 8/21/2026

Mission: Banksparency aims to make First Federal Community Bank, National Association's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of First Federal Community Bank, National Association

Our verdict

CD Analysis

First Federal Community Bank, National Association offers CDs paying up to 4.11% APY on its 7 months term, across 12 term lengths.

Tracking 21 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 4.11% APY for a 7 months term and laddering across multiple maturities.

First Federal Community Bank, National Association also offers First Fed Plus Savings, a high-yield savings account paying 0.71% APY with a $1 minimum deposit.

At 0.71% APY, First Federal Community Bank, National Association pays above the national savings average of 0.38%.

Additional Accounts

First Choice Money Market, a money market account at 0.55% APY. It does not require a linked checking account.
First Choice Savings, a savings account at 0.02% APY. It does not require a linked checking account.
Health Savings Account, a health savings account (HSA) at 3.04% APY.

Ideal User Profile

Best for: keeping checking and savings at one bank and pairing a direct deposit with a higher yield.

Important Considerations

Health Savings Account is a health savings account (HSA). Requires an eligible high-deductible health plan and is intended for qualified medical expenses.

To earn the First Fed Plus Savings top rate, you'll need a linked checking account with First Federal Community Bank, National Association.

This rate requires at least one direct deposit per month. Make sure your paycheck or other recurring deposits qualify.

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Deposit Accounts Overview

Health Savings Account

Savings

3.04% APY

Tiered Range: 0.05% - 3.04%

No Minimums Branch Access

Rank #104 of 337 tracked.

First Fed Plus Savings

Savings

0.71% APY

Min: $1 Checking Bundle Direct Deposit Req. Branch Access

Rank #166 of 337 tracked.

Christmas Club

Savings

0.02% APY

No Minimums Branch Access

Rank #321 of 337 tracked.

First Choice Savings

Savings

0.02% APY

No Minimums Branch Access

Rank #322 of 337 tracked.

Vacation Club

Savings

0.02% APY

No Minimums Branch Access

Rank #323 of 337 tracked.

First Choice Money Market

Money Market

0.55% APY

Tiered Range: 0.04% - 0.55%

No Minimums 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 LocationDover, OH
Deposit InsuranceFDIC Insured(Cert: 29787)

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 Federal Community Bank, National Association

Feature	Health Savings Account	First Fed Plus Savings	Vacation Club	First Choice Savings	Christmas Club
APY	3.04%Range: 0.05% - 3.04%Verified: 8/21/2026	0.71%Verified: 8/21/2026	0.02%Verified: 8/21/2026	0.02%Verified: 8/21/2026	0.02%Verified: 8/21/2026
APY Trend	N/A	N/A	N/A	N/A	N/A
Min. Deposit	N/A	$1	N/A	N/A	N/A
Min. Balance	N/A	N/A	$0	$100	$0
Monthly Fee	N/A	N/A	N/A	N/A	N/A
Direct Deposit	None	RequiredSee terms	None	None	None
Checking Bundle	No	Yes	No	No	No
In-Branch Access	Yes	Yes	Yes	Yes	Yes
Compounding	N/A	N/A	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes	Yes	Yes
Eligibility	United States	United States	United States	United States	United States
Next Steps	-	-	-	-	-

Interactive Tool

Calculate Savings for First Federal Community Bank, National Association

All calculations are based on APY.

Choose savings account

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$1,177.20(7.8%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$15,177.20

Effective APY

3.04%

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

First Federal Community Bank, National Association Deposit Rates Over Time

No historical data available.

Compare with First Federal Community Bank, National Association

Feature	Current View First Federal Community Bank, National Association	Empty Slot
Product		-
APY	0.05% - 3.04%Verified: 8/21/2026	-
APY Trend	N/A	-
Min. Deposit	N/A	N/A
Monthly Fee	N/A	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	N/A	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

CD Overview

4.11% Highest APY

Across 21 CD products with terms: 60 months, 36 months, 3 months, 25 months, 13 months, 7 months, 30 months, 24 months, 18 months, 12 months, 6 months, 48 months

CD Products Offered by First Federal Community Bank, National Association

Feature	3-Month CD 3 months	3-Month Health Savings CD 3 months	6-Month Health Savings CD 6 months	6-Month CD 6 months	7-Month CD Special 7 months	12-Month Health Savings CD 12 months	12-Month CD 12 months	13-Month CD Special 13 months	18-Month Health Savings CD 18 months	18-Month CD 18 months	24-Month Health Savings CD 24 months	24-Month CD 24 months	25-Month CD Special 25 months	30-Month Health Savings CD 30 months	30-Month CD 30 months	36-Month Health Savings CD 36 months	36-Month CD 36 months	48-Month Health Savings CD 48 months	48-Month CD 48 months	60-Month Health Savings CD 60 months	60-Month CD 60 months
APY	0.20%Verified: 8/21/2026	0.20%Verified: 8/21/2026	0.20%Verified: 8/21/2026	0.20%Verified: 8/21/2026	4.11%Verified: 8/21/2026	0.30%Verified: 8/21/2026	0.30%Verified: 8/21/2026	4.07%Verified: 8/21/2026	0.35%Verified: 8/21/2026	0.35%Verified: 8/21/2026	0.40%Verified: 8/21/2026	0.40%Verified: 8/21/2026	3.85%Verified: 8/21/2026	0.45%Verified: 8/21/2026	0.45%Verified: 8/21/2026	0.50%Verified: 8/21/2026	0.50%Verified: 8/21/2026	0.55%Verified: 8/21/2026	0.55%Verified: 8/21/2026	0.65%Verified: 8/21/2026	0.65%Verified: 8/21/2026
Term	3 months	3 months	6 months	6 months	7 months	12 months	12 months	13 months	18 months	18 months	24 months	24 months	25 months	30 months	30 months	36 months	36 months	48 months	48 months	60 months	60 months
Min. Deposit	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$500	$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	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	Yes	Yes	Yes	Yes

First Federal Community Bank, National Association 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 Federal Community Bank, National Association

Feature	First Choice Money Market
APY	0.55%Range: 0.04% - 0.55%Verified: 8/21/2026
Min. Deposit	N/A
Min. Balance	N/A
Monthly Fee	N/A
Direct Deposit	None
In-Branch Access	Yes
Compounding	N/A
FDIC Insured	Yes
Eligibility	United States

Alternatives to First Federal Community Bank, National Association

Banks with Higher/Similar Savings APY

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

Jonestown Bank and Trust Company, of Jonestown, Pennsylvania

Young Investor Savings: 0.10% APY

Minimum Deposit: N/A

Statement Savings: 0.10% APY

Minimum Deposit: $100

Prime Money Market Account: 3.05% APY

Minimum Deposit: N/A

Prime Money Market Account: 3.05% APY

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Peoples State Bank of Plainview

Peoples Preferred Savings: 3.51% APY

Minimum Deposit: $1,000

Regular Savings: 0.65% APY

Minimum Deposit: $25

HSA Savings: 1.31% APY

Minimum Deposit: $25

HSA Savings $20,000+: 1.66% APY

Minimum Deposit: $25

IRA Savings: 1.66% APY

Minimum Deposit: $25

Kasasa Saver: 1.00% APY

Bundled Savings & Checking Account

Minimum Deposit: $25

Money Market Checking: 0.60% APY

Minimum Deposit: $1,000

Youth Savings: 3.00% APY

Minimum Deposit: $0

FinWise Bank

Consumer Money Market: 3.70% APY

Minimum Deposit: $1,000

Consumer Statement Savings: 0.30% APY

Minimum Deposit: N/A

Business Statement Savings: 0.30% APY

Minimum Deposit: N/A

Business Money Market: 3.70% APY

Minimum Deposit: $1,000

Bonanza Valley State Bank

Christmas Club Savings: 3.00% APY

Minimum Deposit: $25

Health Savings Account: 2.00% APY

Minimum Deposit: N/A

Individual Retirement Account: 3.00% APY

Minimum Deposit: N/A

Tiered Savings: 3.00% APY

Minimum Deposit: $100

Money Market: 0.80% APY

Minimum Deposit: $1,000

Ally Bank

Money Market Account: 3.00% APY

Minimum Deposit: $0

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Savings Account: 3.00% APY

Minimum Deposit: $0

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ConnectOne Bank

Connection Plus Savings: 3.10% APY

Minimum Deposit: $2,500

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

High Plains Bank

High Yield Savings Account: 3.82% APY

Minimum Deposit: $25

Fitness Bank

Fitness Elite Checking & Fitness Savings Combo: 4.05% APY

Bundled Savings & Checking Account

Minimum Deposit: $100

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Senior Fitness Savings Account: 3.75% APY

Minimum Deposit: $100

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Fitness Savings Account: 3.75% APY

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Customers Bank

Yield Shield Savings Account: 3.38% APY

Minimum Deposit: $25,000

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Bank Michigan

Health Savings Account (HSA): 0.10% APY

Minimum Deposit: $50

Savings Account: 0.10% APY

Minimum Deposit: $10

Money Market Investments (MMI): 1.50% APY

Minimum Deposit: $2,500

Premier Money Market Investments (MMI): 3.75% APY

Minimum Deposit: $25,000

Business Money Market Investments (MMI): 2.00% APY

Minimum Deposit: $10,000

Citibank

Citi® Savings Account: 0.03% APY

Minimum Deposit: $0

Eligible States: Limited (see details)

Citi Accelerate Savings: 2.80% APY

Minimum Deposit: $0

Online Only

Eligible States: Limited (see details)