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

Updated: 8/15/2026

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

Interest rates reported as APY

Analysis of First Federal Savings and Loan Association of McMinnville

Our verdict

CD Analysis

First Federal Savings and Loan Association of McMinnville offers CDs paying up to 3.65% APY on its 3 months term, across 11 term lengths.

Tracking 14 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 3.65% APY for a 3 months term and laddering across multiple maturities.

First Federal Savings and Loan Association of McMinnville also offers First Time Home Buyer Savings Account, a savings account paying 0.15% APY with a $25 minimum deposit.

At 0.15% APY, First Federal Savings and Loan Association of McMinnville pays below the national savings average of 0.38%.

Additional Accounts

Daily Money Market, a money market account at 0.15% APY.
IRA Money Market, a money market account at 0.15% APY.
Statement Savings, a savings account at 0.02% 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

First Time Home Buyer Savings Account

Savings

0.15% APY

Min: $25 Branch Access

Rank #236 of 337 tracked.

Open to Oregon residents who have not purchased or owned a single-family home, individually or jointly, in the three years before the planned purchase. The money must be used to buy a single-family home in Oregon. The account can be opened at any time through December 31, 2026. Six external transfers are permitted per statement cycle, and funds withdrawn must go to eligible expenses or tax penalties may apply.

Health Savings Account

Savings

0.05% APY

No Minimums Branch Access

Rank #292 of 337 tracked.

You must be enrolled in a high deductible health plan to be eligible. A $15.00 service fee is charged each year on December 30. Paper statements cost $3.00 per month, and that fee is avoided by enrolling in free eStatements. Funds withdrawn must go to eligible expenses or tax penalties may apply.

Christmas Club

Savings

0.02% APY

Min: $5 Branch Access

Rank #326 of 337 tracked.

Withdrawals are limited to one. If you need more withdrawals, the account may be transferred to a Savings Account.

Statement Savings

Savings

0.02% APY

Min: $25 Branch Access

Rank #327 of 337 tracked.

The $3.00 monthly service fee applies only if the balance falls below the $100.00 minimum daily balance. There is no limit on internal withdrawals, and six external transfers are permitted per statement cycle.

Daily Money Market

Money Market

0.15% APY

Tiered Range: 0.10% - 0.15%

Min: $1,000 Branch Access

The $10.00 monthly service fee is avoided by keeping a $1,000.00 daily balance. There is no limit on internal withdrawals, and six external transfers are permitted per statement cycle.

IRA Money Market

Money Market

0.15% APY

Tiered Range: 0.10% - 0.15%

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 LocationMcminnville, OR
Deposit InsuranceFDIC Insured(Cert: 29624)

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

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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 McMinnville

Feature	First Time Home Buyer Savings Account	Health Savings Account	Statement Savings	Christmas Club
APY	0.15%Verified: 8/15/2026	0.05%Verified: 8/15/2026	0.02%Verified: 8/15/2026	0.02%Verified: 8/15/2026
APY Trend	N/A	N/A	N/A	N/A
Min. Deposit	$25	$0	$25	$5
Min. Balance	$0	$0	$0	$0
Monthly Fee	N/A	N/A	N/A	N/A
Direct Deposit	None	None	None	None
Checking Bundle	No	No	No	No
In-Branch Access	Yes	Yes	Yes	Yes
Compounding	N/A	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes	Yes
Eligibility	United States	United States	United States	United States
Important	Open to Oregon residents who have not purchased or owned a single-family home, individually or jointly, in the three years before the planned purchase. The money must be used to buy a single-family home in Oregon. The account can be opened at any time through December 31, 2026. Six external transfers are permitted per statement cycle, and funds withdrawn must go to eligible expenses or tax penalties may apply.	You must be enrolled in a high deductible health plan to be eligible. A $15.00 service fee is charged each year on December 30. Paper statements cost $3.00 per month, and that fee is avoided by enrolling in free eStatements. Funds withdrawn must go to eligible expenses or tax penalties may apply.	The $3.00 monthly service fee applies only if the balance falls below the $100.00 minimum daily balance. There is no limit on internal withdrawals, and six external transfers are permitted per statement cycle.	Withdrawals are limited to one. If you need more withdrawals, the account may be transferred to a Savings Account.
Next Steps	-	-	-	-

Interactive Tool

Calculate Savings for First Federal Savings and Loan Association of McMinnville

All calculations are based on APY.

Choose savings account

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$56.00(0.4%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,056.00

Effective APY

0.15%

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

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

No historical data available.

Compare with First Federal Savings and Loan Association of McMinnville

Feature	Current View First Federal Savings and Loan Association of McMinnville	Empty Slot
Product		-
APY	0.15%Verified: 8/15/2026	-
APY Trend	N/A	-
Min. Deposit	$25	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	-
Note	Open to Oregon residents who have not purchased or owned a single-family home, individually or jointly, in the three years before the planned purchase. The money must be used to buy a single-family home in Oregon. The account can be opened at any time through December 31, 2026. Six external transfers are permitted per statement cycle, and funds withdrawn must go to eligible expenses or tax penalties may apply.	-
Next Steps	-	-

CD Overview

3.65% Highest APY

Across 14 CD products with terms: 36 months, 9 months, 12 months, 18 months, 24 months, 30 months, 6 months, 48 months, 60 months, 1 months, 3 months

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

Feature	1 Month CD 1 months	3 Month CD 3 months	6 Month CD 6 months	9 Month CD 9 months	1 Year CD 12 months	1 1/2 Year CD 18 months	18 Month IRA 18 months	2 Year CD 24 months	2 1/2 Year CD 30 months	2 1/2 Year IRA 30 months	3 Year CD 36 months	4 Year CD 48 months	5 Year IRA 60 months	5 Year CD 60 months
APY	1.02%Verified: 8/15/2026	3.65%Verified: 8/15/2026	3.55%Verified: 8/15/2026	3.25%Verified: 8/15/2026	3.25%Verified: 8/15/2026	3.00%Verified: 8/15/2026	3.50%Verified: 8/15/2026	2.75%Verified: 8/15/2026	2.75%Verified: 8/15/2026	3.25%Verified: 8/15/2026	2.50%Verified: 8/15/2026	2.50%Verified: 8/15/2026	2.50%Verified: 8/15/2026	2.50%Verified: 8/15/2026
Term	1 months	3 months	6 months	9 months	12 months	18 months	18 months	24 months	30 months	30 months	36 months	48 months	60 months	60 months
Min. Deposit	$500	$500	$500	$500	$100	$100	N/A	$100	$100	N/A	$100	$100	N/A	$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
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes

First Federal Savings and Loan Association of McMinnville 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 McMinnville

Feature	Daily Money Market	IRA Money Market
APY	0.15%Range: 0.10% - 0.15%Verified: 8/15/2026	0.15%Range: 0.10% - 0.15%Verified: 8/15/2026
Min. Deposit	$1,000	N/A
Min. Balance	$0	$0
Monthly Fee	N/A	N/A
Direct Deposit	None	None
In-Branch Access	Yes	Yes
Compounding	daily	N/A
FDIC Insured	Yes	Yes
Eligibility	United States	United States
Important	The $10.00 monthly service fee is avoided by keeping a $1,000.00 daily balance. There is no limit on internal withdrawals, and six external transfers are permitted per statement cycle.	-

Alternatives to First Federal Savings and Loan Association of McMinnville

Banks with Higher/Similar Savings APY

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

Citibank

Citi® Savings Account: 0.03% APY

Minimum Deposit: $0

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Super Money Market: 1.00% APY

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18 Months: 0.75% APY

Minimum Deposit: $100

48 months: 1.05% APY

Minimum Deposit: $100

36 months: 1.00% APY

Minimum Deposit: $100

30 months: 0.85% APY

Minimum Deposit: $100

24 months: 0.80% APY

Minimum Deposit: $100

12 months var. eff. 4/15* + incl Jumbo: 0.25% APY

Minimum Deposit: $100

12 Months: 0.70% APY

Minimum Deposit: $100

6 months: 0.60% APY

Minimum Deposit: $100

60 months: 1.15% APY

Minimum Deposit: $100

Money Market: 0.25% APY

Minimum Deposit: $5,000

Club Account: 0.15% APY

Minimum Deposit: N/A

Personal Money Market: 1.25% APY

Minimum Deposit: N/A

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Minimum Deposit: $0

Santander Bank

StonehamBank, A Co-operative Bank

Optimum Savings: 0.05% APY

Minimum Deposit: $10

Optimum Student Savings: 1.00% APY

Minimum Deposit: $10

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Minimum Deposit: $10

Plus One Money Market: 0.20% APY

Bundled Savings & Checking Account

Minimum Deposit: $10

Carver Bank

Youth Savings: 0.10% APY

Minimum Deposit: $10

Carver Savings: 0.10% APY

Minimum Deposit: $100

High Yield Savings: 4.00% APY

Minimum Deposit: $5,000

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Money Market: 0.50% APY

Minimum Deposit: $250

Savings Liquit IRA: 0.10% APY

Minimum Deposit: $100

Relationship Savings: 0.10% APY

Minimum Deposit: $250

PNC

Standard Savings: 0.03% APY

Minimum Deposit: $25

PNC High Yield Savings: 3.15% APY

Minimum Deposit: $0

Eligible States: Limited (see details)

Gate City Bank

High Yield Savings: 2.80% APY

Minimum Deposit: $50,000

Minor Savings: 0.15% APY

Minimum Deposit: N/A

Money Market Savings: 2.50% APY

Minimum Deposit: $500

Savings: 0.10% APY

Minimum Deposit: $50

Relationship Savings: 0.15% APY

Minimum Deposit: $50