First Foundation Bank: Savings Accounts & Rates

Savings rates updated: 11/12/2025

Mission statement: Banksparency aims to make First Foundation Bank's savings accounts transparent and comparable to those of other banks. .

Note: Interest rates below are reported as APY, or Annual Percentage Yield

We earn a commission if you open an account through some links on this page.

Savings Overview

Online Savings: 4.00% APY(Rank 34 out of 85 tracked HYSAs)

Minimum Deposit: $1,000 | Online Only

National Savings Interest Rate: 0.4% (as of 10/20/2025)

Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.

(Source: FDIC)

Bank Overview

Location: Irvine, California

Founded: 2008

Access to Branches: 31 locations in California, Florida, Hawaii, Nevada, and Texas

Deposit Insurance: FDIC Cert # 58647

BBB Rating: A (Not BBB Accredited)

App Store Rating: 4.6/5

Google Play Rating: 4.2/5

Website: Visit First Foundation Bank

Our Take on First Foundation Bank

Highlights

Current APY is 4.00%, up from 4.10% last month.
No maintenance fees on the Online Savings account.
A BBB rating of A indicates trustworthiness.
App Store rating of 4.6 shows good user satisfaction.

Considerations

Minimum deposit of $1,000 may be a barrier for some.
Not BBB Accredited, which may concern some customers.
Online-only account limits in-person banking options.
Direct deposit is not required, but may limit some features.

Summary: First Foundation Bank offers a competitive Online Savings account with a current APY of 4.00%. While the APY has decreased slightly from 4.10% last month, the absence of maintenance fees and a solid BBB rating of A are appealing. However, the $1,000 minimum deposit may deter some savers, and the bank's online-only model could limit access for those preferring in-person service. The bank operates 31 branches across five states.

Savings Account: In-Depth View

Savings Account Offered by First Foundation Bank

Feature	Online Savings
APY	4.00% (as of 11/12/2025)
APY Trend	-0.10% WoW/-0.25% QoQ
Minimum Deposit	$1,000
Minimum Balance for APY	$0.01
FDIC-insured	Yes
Online Only	Yes
Bundled Account	No
Direct Deposit Required	No
Compound Frequency	Daily
Maintenance Fee	$0
Eligibility	United States
Sponsored Link
No deposit agreement summary available for this bank.

Calculate Savings for First Foundation Bank

All calculations are based on APY.

Savings Product:

Online Savings (APY: 4.00%)

Initial Deposit:

Recurring Deposit Amount:

Deposit Frequency:

Duration:

Total savings breakdown:

Interest earned: $1,568.1 (10.07%)
Total contributions: $13,000 (83.50%)
Initial deposit: $1,000 (6.42%)

Your total balance

$15,568.10

Effective APY: 4.00% (based on your deposit and contributions)

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

First Foundation Bank Savings Rates Over Time

Historical APY Insights

Metric	Online Savings
Latest APY	4.00 %
Trend	Sideways
Slope (bps/mo)	-4.5
Rate Changes / Mo	0.45
Days Since Last Change	7
High (-11 m)	4.75 %
Low (-11 m)	4.00 %
Draw-down from High	-15.8 %
Volatility (CV)	0.034

APY Insights Glossary

Latest APY: Most recent advertised annual-percentage yield.
Trend: Direction over the last 11 months (regression slope).
Slope (bps/mo): Average monthly change; 10 bps = 0.10 pp.
Rate Changes / Mo: Typical number of APY moves per month.
Days Since Last Change: Recency of the latest APY adjustment.
High (-11 m): Highest APY in the last 330 days.
Low (-11 m): Lowest APY in the last 330 days.
Draw-down from High: How far today sits below the 11-month peak.
Volatility (CV): Coefficient of variation = stdev ÷ mean.

Why Track Savings-Account APYs?

See how quickly a bank reacts to Fed moves or competition.
Gauge “twitchiness” - frequent moves can annoy savers.
Spot if you're buying near a peak (draw-down) or riding a rise.
Slope (bps/mo) shows speed of change.
Volatility (CV) scales jumps by average level.

Compare First Foundation Bank's Savings Account

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TD Bank - 0.05-2.75% APY
The State Exchange Bank - 3.96% APY
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Valley Direct - 4.10% APY
Varo Bank - 2.50-5.00% APY
Vio Bank - 4.21% APY
Wealthfront - 3.50-4.15% APY
Wells Fargo - 0.05-0.05% APY
Western Alliance Bank - 4.05% APY
Zynlo Bank - 4.20% APY

Feature	First Foundation Bank	Select a bank...
Product	Online Savings	N/A
APY	4.00% (as of 11/12/2025)	N/A
Bundled Account	No	N/A
FDIC-insured	Yes	N/A
Online Only	Yes	N/A
Compound Frequency	Daily	N/A
Minimum Deposit	$1,000	N/A
Minimum Balance for APY	$0.01	N/A
Maintenance Fee	$0	N/A
Direct Deposit Required	No	N/A

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