Rates

Individual Retirement Accounts

An IRA CD offers the security of a traditional Certificate of Deposit with the tax advantages of an Individual Retirement Account (IRA).

Mortgage Rates

Home loan financing terms, disclosures, and example scenarios.

Purchase: Conforming Loan Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Purchase 7.250% 7.300% 0.000 $300,000.00 $2,046.53
15-year Fixed Rate Purchase 6.875% 6.955% 0.000 $300,000.00 $2,675.56

Interest Rates Effective: 4/19/2024

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.

Purchase: 7/1 Adjustable Rate Mortgage (ARM)

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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 7.750%, first 7 years; then 1 year CMT + 3.00 adjusted annually for years 8-30 8.125% 0.000 $300,000 $2,149.24 $3,106.00 maximum P&I payment over the remaining 23 years

Interest Rates Effective: 4/19/2024

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. 

Refinance: Rate-and-Term Refi Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Refinance 7.375% 7.426% 0.000 $300,000.00 $2,072.03
15-year Fixed Rate Refinance 6.990% 7.070% 0.000 $300,000.00 $2,694.81

Interest Rates Effective: 4/19/2024

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.

Refinance: Cash-out Refi Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Cash-out Refinance 7.625% 7.676% 0.000 $300,000 includes $100,000 cash out $2,123.38
15-year Fixed Cash-out Refinance 7.500% 7.683% 0.625 $300,000 includes $100,000 cash out $2,781.04

Interest Rates Effective: 4/19/2024

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

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Jumbo Purchase 7.375% 7.406% 0.000 $900,000 $6,216.08
15-year Fixed Rate Jumbo Purchase 7.250% 7.304% 0.000 $900,000 $8,215.77

Interest Rates Effective: 4/19/2024

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.

Jumbo: Rate-and-Term Refi Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Jumbo Refinance 7.750% 7.785% 0.000 $900,000.00 $6,447.71
15-year Fixed Rate Jumbo Refinance 7.500% 7.656% 0.625 $900,000.00 $8,343.11

Interest Rates Effective: 4/19/2024

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: Cash-out Refi Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Jumbo Cash-out Refinance 7.875% 7.909% 0.000 $910,000.00 includes $250,000 cash out $6,598.13
15-year Fixed Rate Jumbo Cash-out Refinance 7.500% 7.655% 0.625 $910,000.00 Includes $250,000 Cash Out $8,435.81

Interest Rates Effective: 4/19/2024

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

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate MH Purchase 7.875% 7.927% 0.000 $300,000 $2,175.21
15-year Fixed Rate MH Purchase 7.500% 7.622% 0.250 $300,000 $2,781.04

Interest Rates Effective: 4/19/2024

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

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate MH Refinance 8.125% 8.178% 0.000 $300,000.00 $2,227.49
15-year Fixed Rate MH Refinance 7.500% 7.663% 0.500 $300,000.00 $2,781.04

Interest Rates Effective: 4/19/2024

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

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
20-year Fixed Rate MH Cash-out Refi 8.125% 8.203% 0.000 $260,000.00 $2,195.01
15-year Fixed Rate MH Cash-out Refi 7.500% 7.857% 1.625 $260,000.00 $2,410.23

Interest Rates Effective: 4/19/2024

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.

 

VA Home Loan: Purchase

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Loan Term Interest Rate APR* Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year VA Purchase 6.625% 6.661% 0.000 $400,000 $2,561.24

Interest Rates Effective: 4/19/2024

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

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Loan Term Interest Rate APR* Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate VA Refinance 6.750% 6.787% 0.000 $400,000 $2,594.39

Interest Rates Effective: 4/19/2024

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

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Loan Term Interest Rate APR* Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Cash-out VA Refinance 6.625% 6.665% 0.000 $360,000 $2,305.12

Interest Rates Effective: 4/19/2024

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

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Loan Term Interest Rate APR* Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year USDA Fixed Rate Purchase 6.500% 6.536% 0.000 $400,000 $2,528.27

Interest Rates Effective: 4/19/2024

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.

Land Loans Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
20 Year Fixed Rate Land Purchase (20yr / 5yr balloon) 9.375% 9.527% 0.000 $140,000 $1,293.58

Interest Rates Effective: 4/19/2024

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.

Home Equity Loans

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Loan Term Closing Costs APR Ex: Loan Amount Ex: Monthly Payment
15-year Fixed Rate Home Loan Paid by Customer 7.875% $100,000 $948.45

Interest Rates Effective: 4/19/2024

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.

Home Equity Line of Credit (HELOC) Rates

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Loan Type Closing Costs APR Ex: Line Amount Ex: Interest-only Monthly Payment (10-year draw) Ex: Monthly Payment (15-year fixed rate repayment)
Variable Line of Credit Paid by Bank 9.250% $100,000 $770.83 for 120 months $1,029.19
Variable Line of Credit with promo rate for first 6 months Paid by Customer 7.490% first 6 months; 9.250% months 7-120 $100,000 $624.17 for 6 months; $770.83 for 114 months $1,029.19

Interest Rates Effective: 4/19/2024

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.  Closing costs may range between $737 and $3,500. 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 principal and interest 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.  There is a $100 annual fee to maintain a Home Equity Line of Credit. 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.

Checking

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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: 02/09/2024

Revised: 02/08/2024

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

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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: 02/09/2024

Revised: 02/08/2024

NOTE: Annual Percentage Yield (APY) is based on a balance of $100.00.

*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.

** Minimum Deposit to open is $1.00

Business Savings

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

Interest Rates Effective: 02/09/2024

Revised: 02/08/2024

*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.

Premium Business Savings

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: 02/09/2024

Revised: 02/08/2024

*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.

First Rate Money Market Rates

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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: 02/09/2024

Revised: 02/08/2024

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.

Spruce Money Market Rates

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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: 02/09/2024

Revised: 02/08/2024

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.

Alpine Savings

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: 02/09/2024

Revised: 02/08/2024

*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. 

Fixed CD Rates

Term Interest Rate APY* Method of Compounding Min to Open/Earn APY
3 Months 4.16% 4.25% Daily $100
6 Months 3.97% 4.05% Daily $100
1 Year 3.87% 3.95% Daily $100
2 Years 3.78% 3.85% Daily $100
3 Years 3.52% 3.58% Daily $100
4 Years 3.04% 3.09% Daily $100
5 Years 3.23% 3.28% Daily $100

Interest Rates Effective: 02/09/2024

Revised: 02/08/2024

* Annual Percentage Yield (APY) assumes principal and interest remain on deposit for term at the same interest rate. APY assumes funds remain on deposit for 1 year. Penalties may be imposed on early withdrawal.

Variable Rate CD

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: 02/09/2024

Revised: 02/08/2024

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.

Traditional and Roth IRA CDs

Term Interest Rate APY* Minimum to Open Notes
12 months 4.93% 5.05% $500 Open in a branch or phone
36 months 3.73% 3.80% $500 Open in a branch or phone
60 months 3.44% 3.50% $500 Open in a branch or phone

Interest Rates Effective: 4/12/2024

Revised: 4/4/2024

*Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest rate to maturity. Penalty will be imposed for early withdrawal. Fees could reduce earnings. 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, you are disabled, or in the event of your death. 


Retirement & Education Savings Rates

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: 02/09/2024

Revised: 02/08/2024

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.