Current Deposit Rates
View the most recent rates available for First Federal Credit Union accounts, including savings accounts, money market accounts, certificates and checking accounts.
Rates effective as of December 7th, 2023
Flex CD
| Terms (Months) | Rate | APY |
|---|---|---|
| 14 Months | >$10,000 | 5.00% |
*Annual Percentage Yield (APY) effective as of publication date. Minimum $10,000 balance. Penalty for early withdrawal. Rates are subject to change at any time. Depositors are allowed to make a one-time additional deposit during the first half of the maturity length. The balance addition window begins from the account opening date and ends at the midpoint of the maturity length. The Flex Certificate has a minimum limit of $5,000.00 for the one-time balance addition. The maximum balance in any Flex Certificate, including any amounts contributed as a balance addition, is $250,000.00. Federally insured by NCUA.
Certificate Specials
| Terms (Months) | Rate | APY |
|---|---|---|
| 48 Months | - | 4.00%* |
*Annual Percentage Yield (APY) effective as of publication date. Minimum $10,000 balance. Penalty for early withdrawal. Rates are subject to change at any time. Insured by NCUA.
Fed Up Money Market
| Balance | Rate | APY |
|---|---|---|
| $1 - 500,000+ | - | 2.60%* |
*Variable Interest Compounded Monthly. If the daily balance is greater than $500,000, the interest rate paid on the balance greater than $500,000 is .10% APR and the annual percentage yield is .10% APY. Minimum opening deposit of $10,000. If the Federal reserve changes the Fed Funds Overnight Rate 1/4%, the Fed Up Money Market rate on qualifying balances will change at least .10%.
Personal Money Market
| Balance | Rate | APY |
|---|---|---|
| $1-$9,999 | - | 0.10% |
| $10,000 - $24,999 | - | 0.25% |
| $25,000 - $499,999 | - | 0.40% |
| $500,000 + | - | 0.40% |
Business/Entity Money Market
| Balance | Rate | APY |
|---|---|---|
| $1 - $9,999 | - | 0.10% |
| $10,000 - $24,999 | - | 0.25% |
| $25,000 - $499,999 | - | 0.40% |
| $500,000 + | - | 0.40% |
Choice Checking Rates
Minimum of $50 to open a Choice Checking account
| Balance | Rate | APY |
|---|---|---|
| $1 - $24,999 | - | 0.05% |
| $25,000 - $49,999 | - | 0.10% |
| $50,000 - $99,999 | - | 0.15% |
| $100,000 - $199,999 | - | 0.20% |
| $200,000 - $499,999 | - | 0.25% |
| $500,000 + | - | 0.10% |
Share Savings
- $5 minimum deposit to open Savings, Christmas Club and Kids First Savings accounts
- $100 minimum deposit to open an IRA Savings account
| Balance | Rate | APY |
|---|---|---|
| Savings (All Balances) | - | 0.05% |
| IRA Savings ($100 Avg. Daily Balance) | - | 0.05% |
| Christmas Club (All Balances) | - | 0.05% |
| Kids First Savings Daily Average Balance $1 - $500 | - | 5.00% |
| Kids First Savings Daily Average Balance $501 + | - | 0.25% |