Rates

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Mortgage Rates

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Deposit Rates

Certificates of Deposit (CDs)

Our CDs offer competitive fixed rates and different term lengths to match your financial needs and savings goals.

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Mortgage Rates

Home loan financing terms, disclosures, and example scenarios.

Loan Term	Interest Rate	APR	Discount Points	Ex: Loan Amount	Ex: Monthly Payment
30-year Fixed Rate Purchase	6.000%	6.093%	0.500%	$300,000.00	$1,798.65
15-year Fixed Rate Purchase	5.500%	5.615%	0.250	$300,000.00	$2,451.25

Interest Rates Effective: 03/23/2023

Rates listed are for primary residence in single family 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.

Loan Type	Loan Type Interest Rate	APR	Discount Points	Ex: Loan Amount	Ex: Monthly Payment - 7 years	Ex: Monthly Payment - 23 years
7/1 ARM	6.250%, first 7 years; then 1 year CMT + 3.00 adjusted annually for years 8-30	6.871%	0.000	$300,000	$1,847.15	$2,771.00 maximum P&I payment over the remaining 23 years

Interest Rates Effective: 03/23/2023

Revised: 12/22/2022

Rates listed are for primary residence in single family home with a 25% down payment and borrower credit score of 740. Loan terms include an initial 7-year fixed P&I payment. After the initial fixed period, your P&I payment & interest rate adjusts annually based on the 1-year Constant Maturity Treasury (CMT) index plus a 3.00% margin (fully indexed rate) for the remaining term of the loan, the interest and payments may increase. Interest rate caps over the start rate are 5% initial, 2% subsequent and 5% lifetime. APR (Annual Percentage Rate) is based on loan amount and interest rate and may increase after loan consummation. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rates, terms, and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.

Loan Term	Interest Rate	APR	Discount Points	Ex: Loan Amount	Ex: Monthly Payment
30-year Fixed Rate Refinance	6.375%	6.446%	0.250	$300,000.00	$1,871.61
15-year Fixed Rate Refinance	5.500%	5.615%	0.250%	$300,000.00	$2,451.25

Interest Rates Effective: 03/23/2023

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.

Loan Term	Interest Rate	APR	Discount Points	Ex: Loan Amount	Ex: Monthly Payment
30-year Fixed Cash-out Refinance	6.625%	6.722%	0.500	$300,000 includes $100,000 cash out	$1,920.93
15-year Fixed Cash-out Refinance	6.375%	6.532%	0.500	$300,000 includes $100,000 cash out	$2,592.75

Interest Rates Effective: 03/23/2023

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.

Loan Term	Interest Rate	APR	Discount Points	Ex: Loan Amount	Ex: Monthly Payment
30-year Fixed Rate Jumbo Purchase	5.750%	6.077%	3.250	$900,000	$5,252.16
15-year Fixed Rate Jumbo Purchase	6.000%	6.324%	1.750	$900,000	$7,594.71

Interest Rates Effective: 03/23/2023

Rates listed are for primary residence in single family home of $1,200,000 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.

Loan Term	Interest Rate	APR	Discount Points	Ex: Loan Amount	Ex: Monthly Payment
30-year Fixed Rate Jumbo Refinance	5.750%	6.077%	3.250	$900,000.00	$5,252.16
15-year Fixed Rate Jumbo Refinance	6.000%	6.324%	1.750	$900,000.00	$7,594.71

Interest Rates Effective: 03/23/2023

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.

Loan Term	Interest Rate	APR	Discount Points	Ex: Loan Amount	Ex: Monthly Payment
30-year Fixed Rate Jumbo Cash-out Refinance	5.875%	6.135%	2.500	$910,000.00 Includes $250,000 Cash Out	$5,382.99
15-year Fixed Rate Jumbo Cash-out Refinance	6.125%	6.333%	1.000	$910,000.00 Includes $250,000 Cash Out	$7,740.69

Interest Rates Effective: 03/23/2023

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.

Loan Term	Interest Rate	APR	Discount Points	Ex: Loan Amount	Ex: Monthly Payment
30-year Fixed Rate MH Purchase	6.625%	6.722%	0.500	$300,000	$1,920.93
15-year Fixed Rate MH Purchase	6.000%	6.136%	0.375	$300,000	$2,531.57

Interest Rates Effective: 03/23/2023

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.

Loan Term	Interest Rate	APR	Discount Points	Ex: Loan Amount	Ex: Monthly Payment
30-year Fixed Rate MH Refinance	6.875%	6.985%	0.625	$300,000.00	$1,970.79
15-year Fixed Rate MH Refinance	6.250%	6.368%	0.250	$300,000.00	$2,572.27

Interest Rates Effective: 03/23/2023

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.

Loan Term	Interest Rate	APR	Discount Points	Ex: Loan Amount	Ex: Monthly Payment
20-year Fixed Rate MH Cash-out Refi	6.875%	7.013%	0.500	$260,000.00	$1,996.32
15-year Fixed Rate MH Cash-out Refi	6.750%	6.941%	0.625	$260,000.00	$2,300.76

Interest Rates Effective: 03/23/2023

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.

Loan Term	Interest Rate	APR*	Discount Points	Ex: Loan Amount	Ex: Monthly Payment
30-year VA Purchase	5.625%	5.671%	0.125	$400,000	$2,302.63

Interest Rates Effective: 03/23/2023

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.

Loan Term	Interest Rate	APR*	Discount Points	Ex: Loan Amount	Ex: Monthly Payment
30-year Fixed Rate VA Refinance	5.625%	5.671%	0.125	$400,000	$2,302.63

Interest Rates Effective: 03/23/2023

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.

Loan Term	Interest Rate	APR*	Discount Points	Ex: Loan Amount	Ex: Monthly Payment
30-year Fixed Rate Cash-out VA Refinance	5.625%	5.674%	0.125	$360,000	$2,072.36

Interest Rates Effective: 03/23/2023

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.

Loan Term	Interest Rate	APR*	Discount Points	Ex: Loan Amount	Ex: Monthly Payment
30-year USDA Fixed Rate Purchase	5.500%	5.556%	0.250	$400,000	$2,271.16

Interest Rates Effective: 03/23/2023

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.

Loan Term	Interest Rate	APR	Discount Points	Ex: Loan Amount	Ex: Monthly Payment
20 Year Fixed Rate Land Purchase (20yr / 5yr balloon)	7.875%	8.018%	0.000	$140,000	$1,160.15

Interest Rates Effective: 03/23/2023

Rates listed are for an improved land purchase with a 30% down payment and borrower credit score of 740. After first 5 years, remaining outstanding principal balance would be a balloon payment of $118,115.27 which could be paid in full or refinanced. 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.

Loan Term	Closing Costs	APR	Ex: Loan Amount	Ex: Monthly Payment
15-year Fixed Rate Home Loan	Paid by Customer	6.875%	$100,000	$891.85

Interest Rates Effective: 03/10/2023

Example rate is based on a primary residence and borrower credit score of 740. Assumes the borrower has a first lien mortgage and the home equity loan is a second lien on subject property. Max 80% LTV. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. APR (Annual Percentage Rate) is based on loan amount, interest rate, LTV and credit score. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.

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	0.00	8.750%	$100,000	$729.17 for 120 months	$999.45
Variable Line of Credit with promo rate for first 12 months	Paid by Customer	5.25% first 12 months; 8.750% months 13-120	$100,000	$437.50 for 12 months; $729.17 for 108 months	$999.45

Interest Rates Effective: 03/23/2023

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 4.25% 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.

Deposit Rates

Rates for checking, savings, money market, CDs, retirement, and other interest-bearing accounts.

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: 03/13/2023

Revised: 03/13/2023

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.

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
First Savings*	0.03%	0.03%	Daily	$1

Interest Rates Effective: 03/13/2023

Revised: 03/13/2023

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.

Balance	Interest Rate	APY*	Method of Compounding	Minimum Deposit to Earn APY
Any	0.03%	0.03%	Daily	$0

Interest Rates Effective: 03/13/2023

Revised: 03/13/2023

*APY is Annual Percentage Yield. APY 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.

Balance	Interest Rate	APY*	Method of Compounding	Minimum Balance to Earn APY
$0 - $99,999.99	0.03%	0.03%	Daily	$0
$100,000 - $249,999.99	2.47%	2.50%	Daily	$100,000
Over $250,000	2.96%	3.00%	Daily	$250,000

Interest Rates Effective: 03/13/2023

Revised: 03/13/2023

*APY is Annual Percentage Yield. Minimum deposit to open is $100,000 of new money, but can have additional funds from existing First Fed deposits. New money is described as funds not previously held on deposit at First Fed within the last 30 days. APY 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.

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: 03/13/2023

Revised: 03/13/2023

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.

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: 03/13/2023

Revised: 03/13/2023

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.

Term	Rate	APY*	Minimum to Open	Notes
13 months	4.55%	4.65%	$10,000
25 months	4.16%	4.25%	$25,000

Interest Rates Effective: 03/13/2023

Revised: 03/10/2023

*Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest. Penalties may be imposed on early withdrawal.

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	0.20%	0.20%	0.20%	0.20%	0.20%	0.20%	0.20%	0.20%
6 Months	0.35%	0.35%	0.35%	0.35%	0.35%	0.35%	0.35%	0.35%
1 Year	1.00%	1.00%	1.00%	1.00%	1.00%	1.00%	1.00%	1.00%
2 Years	1.14%	1.15%	1.14%	1.15%	1.14%	1.15%	1.14%	1.15%
3 Years	1.24%	1.25%	1.24%	1.25%	1.24%	1.25%	1.24%	1.25%
4 Years	1.74%	1.75%	1.74%	1.75%	1.74%	1.75%	1.74%	1.75%
5 Years	1.98%	2.00%	1.98%	2.00%	1.98%	2.00%	1.98%	2.00%

Interest Rates Effective: 03/13/2023

Revised: 03/13/2023

Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest rate. Penalties may be imposed on early withdrawal. Interest compounds daily.

*APY assumes funds remain on deposit for 1 year.

Account Type	Interest Rate	APY*	Method of Compounding	Minimum Deposit to Earn APY
9 Months	0.25%	0.25%	Daily	$25.00

Interest Rates Effective: 03/13/2023

Revised: 03/13/2023

Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest. Interest rate and annual percentage yield may change at any time. Penalties may be imposed on early withdrawal.

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	1.00%	1.00%	1.00%	1.00%	1.00%	1.00%	1.00%	1.00%
24 months	1.14%	1.15%	1.14%	1.15%	1.14%	1.15%	1.14%	1.15%
36 months	1.24%	1.25%	1.24%	1.25%	1.24%	1.25%	1.24%	1.25%
48 months	1.74%	1.75%	1.74%	1.75%	1.74%	1.75%	1.74%	1.75%
60 months	1.98%	2.00%	1.98%	2.00%	1.98%	2.00%	1.98%	2.00%

Interest Rates Effective: 03/13/2023

Revised: 03/13/2023

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.

Amount	VIP Interest	VIP APY	Roth Interest	Roth APY	Coverdell Interest	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: 03/13/2023

Revised: 03/13/2023

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.