Rates
Mortgage Rates
Home loan financing terms, disclosures, and example scenarios.
Purchase: Conforming Loan Rates
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Purchase | 5.125% | 5.191% | 0.250 | $300,000.00 | $1,633.46 |
| 15-year Fixed Rate Purchase | 4.750% | 4.882% | 0.375 | $300,000.00 | $2,333.50 |
Interest Rates Effective: 08/11/2022
Refinance: Rate-and-Term Refi Rates
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Refinance | 5.375% | 5.465% | 0.500 | $300,000.00 | $1,679.91 |
| 15-year Fixed Rate Refinance | 4.875% | 5.026% | 0.500 | $300,000.00 | $2,352.89 |
Interest Rates Effective: 08/11/2022
Refinance: Cash-out Refi Rates
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Cash-out Refinance | 5.625% | 5.705% | 0.375 | $300,000 includes $100,000 cash out | $1,726.97 |
| 15-year Fixed Cash-out Refinance | 5.250% | 5.383% | 0.375 | $300,000 includes $100,000 cash out | $2,411.63 |
Interest Rates Effective: 08/11/2022
Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Jumbo: Purchase Loan Rates
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Jumbo Purchase | 4.750% | 4.800% | 0.250 | $900,000 | $4,694.83 |
| 15-year Fixed Rate Jumbo Purchase | 4.375% | 4.499% | 0.500 | $900,000 | $6,827.58 |
Interest Rates Effective: 08/11/2022
Jumbo: Rate-and-Term Refi Rates
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Jumbo Refinance | 4.750% | 4.800% | 0.250 | $900,000.00 | $4,694.83 |
| 15-year Fixed Rate Jumbo Refinance | 4.375% | 4.499% | 0.500 | $900,000.00 | $6,827.58 |
Interest Rates Effective: 08/11/2022
Jumbo: Cash-out Refi Rates
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Jumbo Cash-out Refinance | 4.875% | 4.904% | 0.000 | $910,000.00 Includes $250,000 Cash Out | $4,815.79 |
| 15-year Fixed Rate Jumbo Cash-out Refinance | 4.625% | 4.693% | 0.125 | $910,000.00 Includes $250,000 Cash Out | $7,019.71 |
Interest Rates Effective: 08/11/2022
Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Manufactured Homes: Purchase
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate MH Purchase | 5.625% | 5.693% | 0.250 | $300,000 | $1,726.97 |
| 15-year Fixed Rate MH Purchase | 5.250% | 5.345% | 0.125 | $300,000 | $2,411.63 |
Interest Rates Effective: 08/11/2022
Rates listed are for primary residence in manufactured home with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Manufactured Homes: Refinance Rate-and-Term Refi Rates
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate MH Refinance | 5.875% | 5.967% | 0.500 | $300,000.00 | $1,774.61 |
| 15-year Fixed Rate MH Refinance | 5.375% | 5.509% | 0.375 | $300,000.00 | $2,431.40 |
Interest Rates Effective: 08/11/2022
Rates listed are for primary residence in manufactured home with 25% equity and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Manufactured Homes: Cash-out Refi
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 20-year Fixed Rate MH Cash-out Refi | 6.000% | 6.102% | 0.250 | $260,000.00 | $1,862.72 |
| 15-year Fixed Rate MH Cash-out Refi | 5.750% | 5.897% | 0.375 | $260,000.00 | $2,159.07 |
Interest Rates Effective: 08/11/2022
Rates listed are for primary residence in single family home with 10% equity and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
VA Home Loan: Purchase
Apply Now| Loan Term | Interest Rate | APR* | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year VA Purchase | 5.000% | 5.066% | 0.375 | $400,000 | $2,147.29 |
Interest Rates Effective: 08/11/2022
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
VA Home Loan: Rate & Term Refi
Apply Now| Loan Term | Interest Rate | APR* | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate VA Refinance | 5.000% | 5.066% | 0.375 | $400,000 | $2,147.29 |
Interest Rates Effective: 08/11/2022
Rates listed are for primary residence in single family home with 0% equity and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
VA Home Loan: Cash-out Refi
Apply Now| Loan Term | Interest Rate | APR* | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Cash-out VA Refinance | 5.000% | 5.069% | 0.375 | $360,000 | $1,932.56 |
Interest Rates Effective: 08/11/2022
Rates listed are for primary residence in single family home with 10% equity and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
USDA Home Loan: Purchase
Apply Now| Loan Term | Interest Rate | APR* | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year USDA Fixed Rate Purchase | 4.500% | 4.564% | 0.375 | $400,000 | $2,026.74 |
Interest Rates Effective: 08/11/2022
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Construction Loan Rates
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Construction | 5.375% | 5.442% | 0.250 | $300,000 | $1,679.91 |
| 15-year Fixed Rate Construction | 5.000% | 5.151% | 0.500 | $300,000 | $2,372.38 |
Interest Rates Effective: 08/11/2022
Assumes a custom construction of an owner-occupied single-family residence with a loan amount of $300,000 based on a finished value of $400,000. Loan terms include a 12-month construction period with interest only payments based on funds as they are used for construction. Converts to a monthly fixed P&I payment at the end of the construction period. APR *(Annual Percentage Rate) is based on loan amount and interest rate. Examples of monthly P & I payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Land Loans Rates
Apply Now| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 20 Year Fixed Rate Land Purchase (20yr / 5yr balloon) | 7.000% | 7.170% | 0.250 | $140,000 | $1,085.42 |
Interest Rates Effective: 08/11/2022
Home Equity Loans
Apply Now| Loan Term | Closing Costs | APR | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|
| 15-year Fixed Rate Home Loan | Paid by Customer | 4.875% | $100,000 | $784.30 |
Interest Rates Effective: 08/11/2022
Home Equity Line of Credit (HELOC) Rates
Apply Now| Loan Type | Closing Costs | APR | Ex: Line Amount | Ex: Interest-only Monthly Payment (10-year draw) | Ex: Monthly Payment (15-year fixed rate) |
|---|---|---|---|---|---|
| Variable Line of Credit | None | 6.750% | $100,000 | $562.50 | $884.91 |
| Variable Line of Credit with 4.95% promo rate for first 12 months | Paid by Customer | 4.95% first 12 months; 6.750% months 13-120 | $100,000 | $412.50 for 12 months; $562.50 for 108 months | $884.91 |
Interest Rates Effective: 08/11/2022
Example rates are based on a primary residence and borrower credit score of 700. Assumes the borrower has a first lien mortgage and the home equity line is a second lien on subject property. Variable rate may increase after closing, as it is determined by WSJ Prime + a margin with a minimum APR of 4.50% and a maximum APR of 18.00%. Max 80% LTV. Loan terms include a 10-year interest-only draw period and converts to a 15-year fixed rate term with P&I payments based on current interest rate in effect at time of conversion. APR (Annual Percentage Rate) is based on loan amount, interest rate, LTV and credit score. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms, and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Vehicle Loan Rates
Rates for new and used auto loans, boat loans, motorcycle loans, and others.
Auto Loan Rates
Apply Now| Loan Term | Year | APR | Ex: Loan Amount | Ex: Monthly Payment (P&I) with Lowest APR |
|---|---|---|---|---|
| 5-year Fixed Rate Purchase and Refi | New (2021-2022) | 3.500% | $30,000 | $545.75 |
| 5-year Fixed Rate Purchase or Refi | Used (2015 - 2020) | 4.000% | $30,000 | $552.50 |
| 5-year Fixed Rate Purchase or Refi | Used (2010 - 2014) | 6.250% | $30,000 | $583.48 |
Interest Rates Effective: 08/11/2022
Boat Loan Rates
Apply Now| Loan Term | Year | APR | Ex: Loan Amount | Ex: Monthly Payment (P&I) with lowest APR |
|---|---|---|---|---|
| 5-year Fixed Rate | New (2020 - 2022) | 4.490% | $30,000 | $559.15 |
| 5-year Fixed Rate | Used (2011 - 2019) | 4.990% | $30,000 | $566.00 |
Interest Rates Effective: 08/11/2022
Motorcycle and ATV Loan Rates
Apply Now| Loan Term | Year | APR | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|
| 3-year Fixed Rate | 2016 - Newer | 7.150% | $20,000 | $618.91 |
Interest Rates Effective: 08/11/2022
RV Loan Rates
Apply Now| Loan Term | Year | APR | Ex: Loan Amount | Ex: Monthly Payment (P&I) |
|---|---|---|---|---|
| 10-year Fixed Rate | New (2020 - 2022) | 5.50% | $50,000 | $542.63 |
| 10-year Fixed Rate | Used (2011 - 2019) | 6.50% | $50,000 | $567.74 |
Interest Rates Effective: 08/11/2022
Deposit Rates
Rates for checking, savings, money market, CDs, retirement, and other interest-bearing accounts.
Checking
Apply Now| Account Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
|---|---|---|---|---|
| Cascade Checking Up to $1,000.00 | 0.00% | 0.00% | Daily | $25.00 |
| Cascade Checking $1,000.00 - $49,999.99 | 0.01% | 0.01% | Daily | $1,000.00 |
| Cascade Checking $50,000.00 - $99,999.00 | 0.01% | 0.01% | Daily | $50,000.00 |
| Cascade Checking $100,000.00 or more | 0.02% | 0.02% | Daily | $100,000.00 |
Interest Rates Effective: 07/22/2022
Revised: 07/21/2022
BUSINESS CHECKING * ASK FOR DETAILS
Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.
Savings
Apply Now| Account Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
|---|---|---|---|---|
| Summit Savings | 0.03% | 0.03% | Daily | $100 |
| Holiday Club | 0.03% | 0.03% | Daily | $25 |
| Kids Club Savings* | 0.03% | 0.03% | Daily | $1 |
Interest Rates Effective: 07/22/2022
Revised: 07/21/2022
NOTE: Annual Percentage Yield (APY) is based on a balance of $100.00.
*Minimum Deposit to open is $1.00
Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.
First Rate Money Market Rates
Apply Now| Account Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
|---|---|---|---|---|
| $1,000.00 - $9,999.99 | 0.05% | 0.05% | Daily | $1,000.00 |
| $10,000.00 - $49,999.99 | 0.05% | 0.05% | Daily | $10,000.00 |
| $50,000.00 - $99,999.99 | 0.10% | 0.10% | Daily | $50,000.00 |
| $100,000.00 or more | 0.15% | 0.15% | Daily | $100,000.00 |
Interest Rates Effective: 07/22/2022
Revised: 07/21/2022
Spruce Money Market Rates
Apply Now| Account Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
|---|---|---|---|---|
| $10,000-$99,999.99 | 0.10% | 0.10% | Daily | $10,000.00 |
| $100,000.00 - $249,999.99 | 0.15% | 0.15% | Daily | $100,000.00 |
| $250,000.00 - $499,999.00 | 0.20% | 0.20% | Daily | $250,000.00 |
| $500,000.00 or more | 0.30% | 0.30% | Daily | $500,000.00 |
Interest Rates Effective: 07/22/2022
Revised: 07/21/2022
CD Specials
| Term | Rate | APY | Minimum to Open | Notes |
|---|---|---|---|---|
| 13 months | 1.73% | 1.75% | $10,000 | New money* required for all funds deposited in the account. |
| 30 months with a rate bump | 1.98% | 2.00% | $25,000 | At least $25,000 of new money* but funds over $25,000 can come from existing First Fed accounts. You can request a one-time rate bump on your CD to the current 30-month rate at the time of the bump. |
Interest Rates Effective: 07/22/2022
Revised: 07/21/2022
Fixed Rate CDs
Apply Now| Term | Interest $100 to $9,999 | APY | Interest $10,000 to $49,999 | APY | Interest $50,000 to $99,000 | APY | $100,000 and above | APY |
|---|---|---|---|---|---|---|---|---|
| 46 Days | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% |
| 3 Months | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% | 0.05% |
| 6 Months | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% |
| 1 Year | 0.20% | 0.20% | 0.20% | 0.20% | 0.20% | 0.20% | 0.20% | 0.20% |
| 2 Years | 0.32% | 0.32% | 0.32% | 0.32% | 0.32% | 0.32% | 0.32% | 0.32% |
| 3 Years | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% |
| 4 Years | 1.24% | 1.25% | 1.24% | 1.25% | 1.24% | 1.25% | 1.24% | 1.25% |
| 5 Years | 1.29% | 1.30% | 1.29% | 1.30% | 1.29% | 1.30% | 1.29% | 1.30% |
Interest Rates Effective: 07/22/2022
Revised: 07/21/2022
Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest rate. Penalties may be imposed on early withdrawal. Fees could reduce earnings. Interest compounds daily.
*APY assumes funds remain on deposit for 1 year.
Variable Rate CD
Apply Now| Account Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
|---|---|---|---|---|
| 9 Months | 0.10% | 0.10% | Daily | $25.00 |
Interest Rates Effective: 07/22/2022
Revised: 07/21/2022
Traditional and Roth IRA CDs
| Term | Interest $100 to $9,999 | APY | Interest $10,000 to $49,999 | APY | Interest $50,000 to $99,000 | APY | $100,000 and above | APY |
|---|---|---|---|---|---|---|---|---|
| 12 months | 0.20% | 0.20% | 0.20% | 0.20% | 0.20% | 0.20% | 0.20% | 0.20% |
| 24 months | 0.32% | 0.32% | 0.32% | 0.32% | 0.32% | 0.32% | 0.32% | 0.32% |
| 36 months | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% | 0.40% |
| 48 months | 1.24% | 1.25% | 1.24% | 1.25% | 1.24% | 1.25% | 1.24% | 1.25% |
| 60 months | 1.29% | 1.30% | 1.29% | 1.30% | 1.29% | 1.30% | 1.29% | 1.30% |
Interest Rates Effective: 07/22/2022
Revised: 07/21/2022
Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest rate to maturity. Penalties may be imposed on early withdrawal. Minimum balance per tier required to open. Fees could reduce earnings.
Interest compounds daily. If principal is withdrawn prior to maturity a penalty may be imposed. The penalty is waived at age 59 ½.
Retirement & Education Savings Rates
| Amount | VIP Interest | VIP APY | Roth Interest | Roth APY | Coverdell Interes | Coverdell APY |
|---|---|---|---|---|---|---|
| $25 to $4,999 | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% |
| $5,000 to $24,999 | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% |
| $25,000 to $49,999 | 0.08% | 0.08% | 0.08% | 0.08% | 0.08% | 0.08% |
| $50,000 and above | 0.08% | 0.08% | 0.08% | 0.08% | 0.08% | 0.08% |
Interest Rates Effective: 07/22/2022
Revised: 07/21/2022
Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Minimum balance per tier required to open. Fees could reduce earnings.
Interest compounds daily and the interest rate may change monthly. Additional Deposits allowed on this account at any time during term.