First Federal Savings and Loan Association of Bath: Savings Accounts, CDs, Money Market & Rates

Updated: 8/15/2026

Mission: Banksparency aims to make First Federal Savings and Loan Association of Bath's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of First Federal Savings and Loan Association of Bath

Our verdict

CD Analysis

First Federal Savings and Loan Association of Bath offers CDs paying up to 3.30% APY on its 9 months term, across 13 term lengths.

Tracking 15 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 3.30% APY for a 9 months term and laddering across multiple maturities.

First Federal Savings and Loan Association of Bath also offers Premier Money Market, a money market account paying 2.02% APY with a $10,000 minimum deposit. To earn the full 2.02% APY, a minimum balance of $10,000 is required. Below that, the rate drops to as low as 0.08% APY.

At 2.02% APY, First Federal Savings and Loan Association of Bath pays 3x the national money market average of 0.63%.

Additional Accounts

Money Market, a money market account at 0.07% APY. It does not require a linked checking account.
a savings account at 0.05% APY. It does not require a linked checking account.
Winter Fuel Fund, a club savings account at 0.45% APY.

Ideal User Profile

Best for: keeping checking and savings at one bank.

Important Considerations

Winter Fuel Fund is a club savings account. Designed for scheduled deposits toward a set payout date.

To earn the Premier Money Market top rate, you'll need a linked checking account with First Federal Savings and Loan Association of Bath.

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Deposit Accounts Overview

Winter Fuel Fund

Savings

0.45% APY

Min: $10 Branch Access

Rank #183 of 337 tracked.

Savings Account

Savings

0.05% APY

Min: $10 Branch Access

Rank #291 of 337 tracked.

Premier Money Market

Money Market

2.02% APY

Tiered Range: 0.08% - 2.02%

Min: $10,000 Checking Bundle Branch Access

Money Market

0.07% APY

Min: $2,500 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 LocationBath, ME
Deposit InsuranceFDIC Insured(Cert: 29636)

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 Savings and Loan Association of Bath

Feature	Winter Fuel Fund	Savings Account
APY	0.45%Verified: 8/15/2026	0.05%Verified: 8/15/2026
APY Trend	N/A	N/A
Min. Deposit	$10	$10
Min. Balance	$10	$10
Monthly Fee	N/A	N/A
Direct Deposit	None	None
Checking Bundle	No	No
In-Branch Access	Yes	Yes
Compounding	N/A	N/A
FDIC Insured	Yes	Yes
Eligibility	United States	United States
Next Steps	-	-

Interactive Tool

Calculate Savings for First Federal Savings and Loan Association of Bath

All calculations are based on APY.

Choose savings account

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$168.60(1.2%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,168.60

Effective APY

0.45%

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

First Federal Savings and Loan Association of Bath Deposit Rates Over Time

No historical data available.

Compare with First Federal Savings and Loan Association of Bath

Feature	Current View First Federal Savings and Loan Association of Bath	Empty Slot
Product		-
APY	0.45%Verified: 8/15/2026	-
APY Trend	N/A	-
Min. Deposit	$10	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

3.30% Highest APY

Across 15 CD products with terms: 3 months, 48 months, 54 months, 12 months, 15 months, 18 months, 24 months, 30 months, 60 months, 11 months, 10 months, 9 months, 6 months

CD Products Offered by First Federal Savings and Loan Association of Bath

Feature	90 Day CD 3 months	6 Month Compounded CD 6 months	6 Month Simple CD 6 months	9 Month CD 9 months	10 Month CD 10 months	11 Month CD 11 months	1 Year CD 12 months	15 Month CD 15 months	18 Month CD 18 months	1 1/2 Year IRA 18 months	2 Year CD 24 months	2 1/2 Year CD 30 months	4 Year CD 48 months	4 1/2 Year CD 54 months	5 Year IRA 60 months
APY	2.02%Verified: 8/15/2026	2.53%Verified: 8/15/2026	0.10%Verified: 8/15/2026	3.30%Verified: 8/15/2026	0.15%Verified: 8/15/2026	0.15%Verified: 8/15/2026	3.05%Verified: 8/15/2026	0.20%Verified: 8/15/2026	2.79%Verified: 8/15/2026	2.79%Verified: 8/15/2026	2.53%Verified: 8/15/2026	0.40%Verified: 8/15/2026	0.50%Verified: 8/15/2026	0.70%Verified: 8/15/2026	1.01%Verified: 8/15/2026
Term	3 months	6 months	6 months	9 months	10 months	11 months	12 months	15 months	18 months	18 months	24 months	30 months	48 months	54 months	60 months
Min. Deposit	$1,000	$10,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$100	$1,000	$1,000	$2,500	$10,000	$100
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
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes

First Federal Savings and Loan Association of Bath 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 Savings and Loan Association of Bath

Feature	Premier Money Market	Money Market
APY	2.02%Range: 0.08% - 2.02%Verified: 8/15/2026	0.07%Verified: 8/15/2026
Min. Deposit	$10,000	$2,500
Min. Balance	$10,000	$200
Monthly Fee	N/A	N/A
Direct Deposit	None	None
In-Branch Access	Yes	Yes
Compounding	N/A	N/A
FDIC Insured	Yes	Yes
Eligibility	United States	United States

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