First Foundation Bank: Savings Accounts & Rates

Savings rates updated: 11/16/2025

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 87 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.
High App Store rating of 4.6.

Considerations

Minimum deposit requirement of $1,000.
Online-only account may limit access for some users.
Not BBB Accredited could raise concerns for some.
Only one savings account option available.

Summary: First Foundation Bank offers a competitive Online Savings account with a 4.00% APY, though it has decreased slightly from 4.10% over the past month. The account requires a minimum deposit of $1,000 but has no maintenance fees. With 31 branches across five states and a solid BBB rating of A, the bank is generally seen as reliable. However, the lack of multiple savings options and online-only access may deter some savers.

Savings Account: In-Depth View

Savings Account Offered by First Foundation Bank

Feature	Online Savings
APY	4.00% (as of 11/16/2025)
APY Trend	-0.10% MoM/-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)	-4.6
Rate Changes / Mo	0.45
Days Since Last Change	10
High (-11 m)	4.75 %
Low (-11 m)	4.00 %
Draw-down from High	-15.8 %
Volatility (CV)	0.035

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 334 days.
Low (-11 m): Lowest APY in the last 334 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

Affirm - 3.60% APY
All America Bank - 1.50-3.25% APY
Ally Bank - 3.30% APY
Amalgamated Bank - 2.25% APY
American Express - 3.50% APY
Ameriprise Bank - 3.15-3.15% APY
Axos Bank - 4.51% APY
Bank5 Connect - 3.85% APY
Bank of America - 0.01% APY
Barclays - 3.90-4.10% APY
Bask Bank - 3.90% APY
Betterment - 3.50% APY
BMO Alto - 3.25% APY
Bread Savings - 4.20% APY
BrioDirect - 4.00% APY
Capital One - 3.40% APY
Carver Bank - 4.00% APY
Charles Schwab Bank - 0.15% APY
Chase Bank - 0.01% APY
Chime - 1.00-3.50% APY
CIBC Bank USA - 3.92% APY
CIT Bank - 0.25-3.85% APY
Citibank - 3.35% APY
Citizens Access™ - 3.35% APY
Colorado Federal Savings Bank - 4.05% APY
ConnectOne Bank - 3.60% APY
Customers Bank - 3.73% APY
Discover Bank - 3.40% APY
Elevault - 4.08% APY
E*TRADE from Morgan Stanley - 3.75% APY
EverBank - 4.05% APY
Evergreen Bank Group - 4.25% APY
Fitness Bank - 4.75% APY
Flagstar Bank - 3.65% APY
FNBO Direct - 3.00% APY
Forbright Bank - 4.00% APY
FVCbank - 3.85% APY
GO2bank - 4.50% APY
High Plains Bank - 0.23-3.82% APY
Ivy Bank - 0.05-4.25% APY
Jenius Bank - 4.20% APY
LendingClub - 3.20-4.20% APY
Live Oak Bank - 3.90% APY
Marcus by Goldman Sachs - 3.65% APY
MutualOne Bank - 4.07% APY
My Banking Direct - 4.02% APY
MySavingsDirect - 3.75% APY
Neighbors Bank - 4.50% APY
Newtek Bank - 4.35% APY
Northeast Bank - 3.00% APY
OMB Bank - 1.00% APY
Openbank - 4.20% APY
Peak Bank - 4.20% APY
Pibank - 4.60% APY
PNC - 3.53% APY
Poppy Bank - 4.00% APY
Popular Direct - 4.00% APY
Presidential Bank - 3.75-4.25% APY
Prime Alliance Bank - 3.90% APY
Primis Bank - 3.85% APY
Quontic Bank - 3.75% APY
RBMAX - 3.90% APY
Rising Bank - 3.95% APY
ROGER - 3.87% APY
Salem Five Direct - 3.71% APY
Sallie Mae Bank - 3.90% APY
Santander Bank - 0.01% APY
SmartyPig - 3.90% APY
SoFi Bank - 4.30% APY
Synchrony Bank - 3.80% APY
TAB Bank - 3.80% APY
TD Bank - 0.05-2.75% APY
The State Exchange Bank - 3.96% APY
TIMBR - 4.40% APY
UFB Direct - 3.51-3.71% APY
Upgrade - 3.05% APY
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 11/16/2025)	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

Alternatives to First Foundation Bank

Banks with Higher/Similar Savings APY

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

CIBC Bank USA

Agility™ High-Interest Savings Account: 3.92% APY

Minimum Deposit: $1,000

Online Only

My Banking Direct

High Yield Savings Account: 4.02% APY

Minimum Deposit: $500

Online Only

Bread Savings

High-Yield Savings Account: 4.20% APY

Minimum Deposit: $100

Online Only

RBMAX

Max Interest Savings: 3.90% APY

Minimum Deposit: $10

Online Only

Rising Bank

High-Yield Savings Account: 3.95% APY

Minimum Deposit: $1,000

Online Only

Newtek Bank

Personal High Yield Savings: 4.35% APY

Minimum Deposit: $0.01

Online Only

LendingClub

LevelUp Savings: 4.20% APY

Minimum Deposit: $0

Online Only

SoFi Bank

SoFi Savings: 4.30% APY

Bundled Savings & Checking Account

Minimum Deposit: $0

Online Only

Prime Alliance Bank

Personal Savings: 3.90% APY

Minimum Deposit: $0

Barclays

Online Savings: 3.70% APY

Minimum Deposit: $0

Online Only

Tiered Savings: 4.10% APY

Minimum Deposit: $0

Online Only

Live Oak Bank

Personal Savings: 3.90% APY

Minimum Deposit: $0

Online Only

Axos Bank

Axos ONE: 4.51% APY

Bundled Savings & Checking Account

Minimum Deposit: $0

Online Only

High Yield Savings: 0.61% APY

Minimum Deposit: $0

Online Only

Summit Savings: 4.00% APY

Minimum Deposit: $0

Online Only