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

Updated: 8/19/2026

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

Interest rates reported as APY

Analysis of First Federal Savings and Loan Association

Our verdict

CD Analysis

First Federal Savings and Loan Association offers CDs paying up to 3.70% APY on its 18 months term, across 19 term lengths.

Tracking 24 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 3.70% APY for a 18 months term and laddering across multiple maturities.

First Federal Savings and Loan Association also offers Resolute Money Market, a money market account paying 2.27% APY with a $10,000 minimum deposit. A minimum balance of $10,000 is required to earn this rate.

At 2.27% APY, First Federal Savings and Loan Association pays 4x the national money market average of 0.63%.

Additional Accounts

Steadfast Money Market, a money market account at 1.00% APY.
MY Money Market, a money market account at 0.45% APY.
First Savers, a savings 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

Savings Club

Savings

0.05% APY

StableNo rate changes in last 7 days

Min: $1 Branch Access

Rank #293 of 337 tracked.

A holiday savings club account. The 0.05% APY interest is lost if funds are withdrawn before the payout date.

First Savers

Savings

0.01% APY

StableNo rate changes in last 7 days

Min: $10 Branch Access

Rank #336 of 337 tracked.

Resolute Money Market

Money Market

2.27% APY

Min: $10,000 Branch Access

A new deposit is required to open this account.

Steadfast Money Market

Money Market

1.00% APY

Min: $1,000 Branch Access

MY Money Market

Money Market

0.45% APY

Tiered Range: 0.35% - 0.45%

Min: $5,000 Branch Access

The interest rate on this account depends on meeting relationship requirements each statement cycle. Rates are tiered by minimum daily balance: $5,000, $25,000, and $50,000. Up to six pre-authorized transactions per month are permitted.

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 LocationNewark, OH
Deposit InsuranceFDIC Insured(Cert: 29090)

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

Feature	Savings Club	First Savers
APY	0.05%Verified: 8/19/2026	0.01%Verified: 8/19/2026
APY Trend	StableNo rate changes in last 7 days	StableNo rate changes in last 7 days
Min. Deposit	$1	$10
Min. Balance	$1	$200
Monthly Fee	N/A	N/A
Direct Deposit	None	None
Checking Bundle	No	No
In-Branch Access	Yes	Yes
Compounding	N/A	monthly
FDIC Insured	Yes	Yes
Eligibility	United States	United States
Important	A holiday savings club account. The 0.05% APY interest is lost if funds are withdrawn before the payout date.	-
Next Steps	-	-

Interactive Tool

Calculate Savings for First Federal Savings and Loan Association

All calculations are based on APY.

Choose savings account

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$18.60(0.1%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,018.60

Effective APY

0.05%

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

First Federal Savings and Loan Association Deposit Rates Over Time

No historical data available.

Compare with First Federal Savings and Loan Association

Feature	Current View First Federal Savings and Loan Association	Empty Slot
Product		-
APY	0.05%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	N/A	-
FDIC or NCUA Insured	Yes	-
Note	A holiday savings club account. The 0.05% APY interest is lost if funds are withdrawn before the payout date.	-
Next Steps	-	-

CD Overview

3.70% Highest APY

Across 24 CD products with terms: 36 months, 37 months, 44 months, 48 months, 60 months, 18 months, 6 months, 3 months, 9 months, 12 months, 13 months, 15 months, 19 months, 21 months, 24 months, 27 months, 30 months, 8 months, 31 months

CD Products Offered by First Federal Savings and Loan Association

Feature	91 Day CD (No Penalty) 3 months	182 Day CD 6 months	8 Month CD (No Penalty) - Interest Transferred 8 months	8 Month CD (No Penalty) - Interest Paid by Check 8 months	9 Month CD 9 months	12 Month CD 12 months	13 Month CD 13 months	15 Month CD - Interest Transferred 15 months	15 Month CD - Interest Paid by Check 15 months	18 Month Fixed IRA 18 months	18 Month CD 18 months	18 Month Flexible IRA 18 months	19 Month CD (No Penalty) 19 months	21 Month CD 21 months	24 Month CD 24 months	27 Month CD 27 months	30 Month CD 30 months	31 Month CD - Interest Transferred 31 months	31 Month CD - Interest Paid by Check 31 months	36 Month CD 36 months	37 Month CD 37 months	44 Month CD 44 months	4 Year CD 48 months	5 Year CD 60 months
APY	2.85%Verified: 8/19/2026	3.25%Verified: 8/19/2026	3.30%Verified: 8/19/2026	3.05%Verified: 8/19/2026	3.55%Verified: 8/19/2026	3.59%Verified: 8/19/2026	3.64%Verified: 8/19/2026	3.30%Verified: 8/19/2026	3.05%Verified: 8/19/2026	3.25%Verified: 8/19/2026	3.70%Verified: 8/19/2026	3.29%Verified: 8/19/2026	3.33%Verified: 8/19/2026	3.44%Verified: 8/19/2026	3.18%Verified: 8/19/2026	3.25%Verified: 8/19/2026	3.34%Verified: 8/19/2026	0.45%Verified: 8/19/2026	0.20%Verified: 8/19/2026	3.03%Verified: 8/19/2026	3.03%Verified: 8/19/2026	3.03%Verified: 8/19/2026	2.01%Verified: 8/19/2026	1.35%Verified: 8/19/2026
Term	3 months	6 months	8 months	8 months	9 months	12 months	13 months	15 months	15 months	18 months	18 months	18 months	19 months	21 months	24 months	27 months	30 months	31 months	31 months	36 months	37 months	44 months	48 months	60 months
Min. Deposit	$500	$500	$5,000	$5,000	$500	$500	$5,000	$500	$500	$1	$500	$1	$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	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	Yes	Yes	Yes
Notes	-	-	This APY applies when interest is transferred to a First Federal checking or savings account. If interest is paid by check, the account earns the lower rate shown on the 8 Month CD (No Penalty) - Interest Paid by Check product.	This APY applies when interest is paid by check. Electing to transfer interest to a First Federal checking or savings account earns the higher rate shown on the 8 Month CD (No Penalty) - Interest Transferred product.	-	-	-	This APY applies when interest is transferred to a First Federal checking or savings account. If interest is paid by check, the account earns the lower rate shown on the 15 Month CD - Interest Paid by Check product.	This APY applies when interest is paid by check. Electing to transfer interest to a First Federal checking or savings account earns the higher rate shown on the 15 Month CD - Interest Transferred product.	-	-	-	Minimum additions of $250.00 or more are permitted. This APY applies when interest is transferred to a First Federal checking or savings account.	-	-	-	-	This APY applies when interest is transferred to a First Federal checking or savings account. If interest is paid by check, the account earns the lower rate shown on the 31 Month CD - Interest Paid by Check product.	This APY applies when interest is paid by check. Electing to transfer interest to a First Federal checking or savings account earns the higher rate shown on the 31 Month CD - Interest Transferred product.	-	-	-	-	-

First Federal Savings and Loan 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 Savings and Loan Association

Feature	Resolute Money Market	Steadfast Money Market	MY Money Market
APY	2.27%Verified: 8/19/2026	1.00%Verified: 8/19/2026	0.45%Range: 0.35% - 0.45%Verified: 8/19/2026
Min. Deposit	$10,000	$1,000	$5,000
Min. Balance	$10,000	$1,000	$5,000
Monthly Fee	N/A	N/A	N/A
Direct Deposit	None	None	None
In-Branch Access	Yes	Yes	Yes
Compounding	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes
Eligibility	United States	United States	United States
Important	A new deposit is required to open this account.	-	The interest rate on this account depends on meeting relationship requirements each statement cycle. Rates are tiered by minimum daily balance: $5,000, $25,000, and $50,000. Up to six pre-authorized transactions per month are permitted.

Alternatives to First Federal Savings and Loan Association

Banks with Higher/Similar Savings APY

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

1st Bank of Sea Isle City

Statement Savings: 0.05% APY

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Spruce Money Market: 0.01% APY

Minimum Deposit: $10,000

Holiday Club: 0.03% APY

Minimum Deposit: $25

First Savings: 2.25% APY

Minimum Deposit: $1

Business Savings: 0.03% APY

Minimum Deposit: $100

Premium Business Savings: 2.00% APY

Minimum Deposit: $100,000

Madrona Business Money Market: 2.75% APY

Minimum Deposit: $10,000

First Rate Money Market: 0.01% APY

Minimum Deposit: $1,000

Summit Savings: 0.03% APY

Minimum Deposit: $100

Alpine Savings: 1.95% APY

Minimum Deposit: $100,000

FNBO Direct

High-Yield Online Savings Account: 3.00% APY

Minimum Deposit: $0

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Online Money Market Account: 3.55% APY

Minimum Deposit: $0

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First Federal Bank of Kansas City

Grow Savings Account: 5.00% APY

Bundled Savings & Checking Account

Minimum Deposit: $25

First Savings Plus: 0.20% APY

Bundled Savings & Checking Account

Minimum Deposit: $50

Money Market: 3.45% APY

Minimum Deposit: $1,000

Statement Savings: 0.15% APY

Minimum Deposit: $200

Minor Savings Account: 0.15% APY

Minimum Deposit: $200

IRA Savings: 0.20% APY

Minimum Deposit: $100

Business Statement Savings: 0.15% APY

Minimum Deposit: $200

Business Money Market: 3.45% APY

Minimum Deposit: $2,500

Rising Bank

High-Yield Savings Account: 3.75% APY

Minimum Deposit: $1,000

Online Only

Axos Bank

Axos ONE Savings: 4.21% APY

Bundled Savings & Checking Account

Minimum Deposit: $0

Online Only

Business Premium Savings: 3.50% APY

Minimum Deposit: $0

Online Only

Summit Savings: 3.75% APY

Minimum Deposit: $0

Online Only

First Savings: 0.25% APY

Minimum Deposit: $0

Online Only

Upgrade

Premier Savings: 3.05% APY

Minimum Deposit: $0

Online Only

BMO Alto

Savings Account: 3.00% APY

Minimum Deposit: $0

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Bask Bank

Interest Savings Account: 3.75% APY

Minimum Deposit: $0

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West Central Bank

Platinum Money Market 1,4 Tier 3: 0.75% APY

Minimum Deposit: $50,000

Platinum Money Market 1,4 Tier 1: 0.45% APY

Minimum Deposit: $10,000

Money Market 1,4: 0.35% APY

Minimum Deposit: $2,500

IRA 48 Month Fixed 1,4: 2.47% APY

Minimum Deposit: $25

IRA 24 Month Fixed 1,4: 2.32% APY

Minimum Deposit: $25

IRA Variable Rate 1,5: 2.02% APY

Minimum Deposit: $25

Christmas Club / Vacation Club 1,4: 0.30% APY

Minimum Deposit: $0

Savings Account 1,4: 0.30% APY

Minimum Deposit: $100

Platinum Money Market 1,4 Tier 2: 0.50% APY

Minimum Deposit: $25,000