First Foundation Bank: Savings Accounts & Rates

Savings rates updated: 10/1/2025

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

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: 4.10% APY(Rank 29 out of 83 tracked HYSAs)

Minimum Deposit: $1,000 | Online Only

National Savings Interest Rate: 0.4% (as of 9/15/2025)

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 of 4.10%, down from 4.25% last month
No maintenance fees for the Online Savings account
A BBB rating of A, indicating trustworthiness
High App Store rating of 4.6

Considerations

Minimum deposit requirement of $1,000
Not BBB Accredited
Online only account may limit access for some users
Direct deposit not required but may deter some customers

Summary: First Foundation Bank offers a competitive Online Savings account with a current APY of 4.10%. While the APY has decreased slightly from 4.25% last month, the account has no maintenance fees and a solid BBB rating of A. However, the minimum deposit of $1,000 and online-only access may be drawbacks for some savers. The bank operates 31 branches across five states, providing a reasonable level of accessibility.

Savings Account: In-Depth View

Savings Account Offered by First Foundation Bank

Feature	Online Savings
APY	4.10% (as of 10/1/2025)
APY Trend	-0.15% WoW
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: 4.10%)

Initial Deposit:

Recurring Deposit Amount:

Deposit Frequency:

Duration:

Total savings breakdown:

Interest earned: $1,609.3 (10.31%)
Total contributions: $13,000 (83.28%)
Initial deposit: $1,000 (6.41%)

Your total balance

$15,609.30

Effective APY: 4.10% (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	4.10 %
Trend	Sideways
Slope (bps/mo)	-4.0
Rate Changes / Mo	0.42
Days Since Last Change	2
High (-9 m)	4.75 %
Low (-9 m)	4.10 %
Draw-down from High	-13.7 %
Volatility (CV)	0.027

APY Insights Glossary

Latest APY: Most recent advertised annual-percentage yield.
Trend: Direction over the last 9 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 (-9 m): Highest APY in the last 289 days.
Low (-9 m): Lowest APY in the last 289 days.
Draw-down from High: How far today sits below the 9-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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Feature	First Foundation Bank	Select a bank...
Product	Online Savings	N/A
APY	4.10% (as of 10/1/2025)	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