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 November 1, 2026
Certificate Special
| Terms (Months) | Balance | Rate | APY |
|---|---|---|---|
| 7-13 Month | $10,000 Minimum | - | 4.05% |
Fed Up Money Market
| Balance | Rate | APY |
|---|---|---|
| $1 - 500,000+ | - | 1.60%* |
*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 increases 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% |
Premier Checking Rates
Qualifying Accounts will earn 4.00% APY up to $50,000. Minimum of $50 to open a Premier Checking account.
| Balance | Rate | APY |
|---|---|---|
| $1 - $49,999 | - | 0.05% |
| $50,000 - $99,999 | - | 0.10% |
| $100,000 - $199,999 | - | .15% |
| $200,000 - $499,999 | - | 0.20% |
| $500,000 + | - | .05% |
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% |
*Certain restrictions apply. Please call 319.362.3171 for more information.
> Annual percentage yield (APY) assumes dividends and interest are compounded and credited monthly.
> All rates are variable and subject to change at any time.
