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).

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Mortgage Rates

Home loan financing terms, disclosures, and example scenarios.

Manufactured Homes: Cash-out Refi

Dec 7, 2021, 12:30 PM
Title : Manufactured Homes: Cash-out Refi
Effective Date : 06/27/2025
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
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Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO
External Site URL (for Quin Page) :

Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. 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.

 

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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 6.875%, first 7 years; then 1 year CMT + 3.00 adjusted annually for years 8-30 7.605% 0.000 $450,000 $2956.18 $4337.30 maximum P&I payment over the remaining 23 years

Interest Rates Effective: 06/27/2025

Rates listed are for primary residence in single family home with a 25% down payment and borrower credit score of 780. 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. 

Manufactured Homes: Cash-out Refi

Dec 7, 2021, 12:30 PM
Title : Manufactured Homes: Cash-out Refi
Effective Date : 06/27/2025
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO
External Site URL (for Quin Page) :

Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. 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.

 

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Manufactured Homes: Cash-out Refi

Dec 7, 2021, 12:30 PM
Title : Manufactured Homes: Cash-out Refi
Effective Date : 06/27/2025
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO
External Site URL (for Quin Page) :

Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. 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.

 

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Manufactured Homes: Cash-out Refi

Dec 7, 2021, 12:30 PM
Title : Manufactured Homes: Cash-out Refi
Effective Date : 06/27/2025
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO
External Site URL (for Quin Page) :

Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. 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.

 

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Manufactured Homes: Cash-out Refi

Dec 7, 2021, 12:30 PM
Title : Manufactured Homes: Cash-out Refi
Effective Date : 06/27/2025
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO
External Site URL (for Quin Page) :

Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. 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.

 

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Manufactured Homes: Cash-out Refi

Dec 7, 2021, 12:30 PM
Title : Manufactured Homes: Cash-out Refi
Effective Date : 06/27/2025
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO
External Site URL (for Quin Page) :

Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. 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.

 

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Manufactured Homes: Cash-out Refi

Dec 7, 2021, 12:30 PM
Title : Manufactured Homes: Cash-out Refi
Effective Date : 06/27/2025
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO
External Site URL (for Quin Page) :

Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. 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.

 

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Manufactured Homes: Cash-out Refi

Dec 7, 2021, 12:30 PM
Title : Manufactured Homes: Cash-out Refi
Effective Date : 06/27/2025
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO
External Site URL (for Quin Page) :

Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. 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.

 

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Manufactured Homes: Cash-out Refi

Dec 7, 2021, 12:30 PM
Title : Manufactured Homes: Cash-out Refi
Effective Date : 06/27/2025
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO
External Site URL (for Quin Page) :

Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. 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.

 

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Manufactured Homes: Cash-out Refi

Dec 7, 2021, 12:30 PM
Title : Manufactured Homes: Cash-out Refi
Effective Date : 06/27/2025
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO
External Site URL (for Quin Page) :

Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. 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.

 

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Manufactured Homes: Cash-out Refi

Dec 7, 2021, 12:30 PM
Title : Manufactured Homes: Cash-out Refi
Effective Date : 06/27/2025
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO
External Site URL (for Quin Page) :

Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. 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.

 

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Manufactured Homes: Cash-out Refi

Dec 7, 2021, 12:30 PM
Title : Manufactured Homes: Cash-out Refi
Effective Date : 06/27/2025
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO
External Site URL (for Quin Page) :

Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. 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.

 

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Manufactured Homes: Cash-out Refi

Dec 7, 2021, 12:30 PM
Title : Manufactured Homes: Cash-out Refi
Effective Date : 06/27/2025
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO
External Site URL (for Quin Page) :

Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. 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.

 

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Manufactured Homes: Cash-out Refi

Dec 7, 2021, 12:30 PM
Title : Manufactured Homes: Cash-out Refi
Effective Date : 06/27/2025
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO
External Site URL (for Quin Page) :

Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. 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.

 

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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 7.500% $100,000 $927.01

Interest Rates Effective: 05/30/2025

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

Loan Type Closing Costs APR* Ex. Line of Credit Amount Ex. Interest-only Payment (10-year draw)
Variable Line of Credit with fixed intro rate for first 6 months Paid by Customer 6.490% intro rate for first 6 months; variable rate month 7-120. Current rate is 8.250%. $100,000 $540.83/month for 6 months, $687.50/month for 114 months at current rate.
Variable Line of Credit with fixed intro rate for first 12 months Paid by Customer 6.990% intro rate for first 12 months; variable rate month 13-120. Current rate is 8.250%. $100,000 $582.40/month for 12 months, $687.50/month for 108 months at current rate.
Variable Line of Credit Paid by Bank Variable. Current rate is 8.250%. $100,000 $687.50/month for 120 months at current rate.

Interest Rates Effective: 5/22/2025

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 (Annual Percentage Rate) of 4.25% and a maximum APR of 18.00%. APR is based on loan amount, interest rate, LTV and credit score. Example monthly payments quoted include interest only. Payment amount may vary depending on balance and current interest rate.  Actual payments may be higher if they include taxes and insurance. Rate, terms, and fees are subject to change without notice. 

Max 80% LTV.  Loan terms include a 10-year interest-only draw period that converts to a 15-year fixed rate term with principal and interest payments based on current interest rate in effect at time of conversion.  There is a $100 annual fee to maintain a Home Equity Line of Credit.  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

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 $0.00
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: 05/01/2025

Revised: 04/30/2025

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.  Minimum opening deposit is $25.

Savings

Apply Now
Account Type Interest Rate APY* Method of Compounding Minimum Deposit to Open
Summit Savings 0.03% 0.03% Daily $100
Holiday Club 0.03% 0.03% Daily $25
First Savings 2.86% 2.90% Daily $1

Interest Rates Effective: 05/01/2025

Revised: 04/30/2025

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. No minimum balance to earn APY.

Business Savings

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

Interest Rates Effective: 05/01/2025

Revised: 04/30/2025

*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. If you close your account within 90 days of opening, you will be assessed a $15.00 early closing fee. $100 minimum deposit to open.

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 2.13% 2.15% Daily $100,000
$250,000 and above 2.62% 2.65% Daily $250,000

Interest Rates Effective: 05/01/2025

Revised: 04/30/2025

*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. If you close your account within 90 days of opening, you will be assessed a $15.00 early closing fee.

Madrona Business Money Market

Balance Interest Rate APY* Method of Compounding Minimum Balance to Earn APY
$0 - $99,999.99 0.25% 0.25% Daily $1
$100,000 - $249,999.99 3.24% 3.29% Daily $100,000
$250,000 and up 3.24% 3.29% Daily $250,000

Interest Rates Effective: 05/01/2025

Revised: 04/30/2025

*APY is Annual Percentage Yield. APY assumes principal and interest remain on deposit for one year at the same interest rate. $15 closing fee if closed in the first 90 days. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.  Minimum deposit to open is $10,000. No maximum.

First Rate Money Market Rates

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Account Type Interest Rate APY* Method of Compounding Minimum Deposit to Earn APY
$0.00 - $999.99 0.01% 0.01% Daily $0.00
$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: 05/01/2025

Revised: 04/30/2025

*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. Minimum opening deposit of $1,000.00. Early closing fee of $15 if account is closed within 90 days of opening.

Spruce Money Market Rates

Account Type Interest Rate APY* Method of Compounding Minimum Deposit to Earn APY
$0-$9,999.99 0.01% 0.01% Daily $1
$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: 05/01/2025

Revised: 04/30/2025

*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. Minimum opening deposit of $10,000.00. Early closing fee of $15 if account is closed within 90 days of opening.

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 2.13% 2.15% Daily $100,000
$250,000 and above 2.62% 2.65% Daily $250,000

Interest Rates Effective: 05/01/2025

Revised: 04/30/2025

*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. If you close your account within 90 days of opening, you will be assessed a $15.00 early closing fee.

CD Promos

Term Interest Rate APY* Minimum to Open Notes
7 months 3.92% 4.00% $5,000

Interest Rates Effective: 05/01/2025

Revised: 04/30/2025

* APY is Annual Percentage Yield. Penalties may be imposed for early withdrawal.


Jumbo CDs

Term Interest Rate $100,000 to $249,999.99 APY* Interest Rate $250,000+ APY* Method of Compounding Minimum to Open
6 Months 3.20% 3.25% 3.20% 3.25% Daily $100,000
12 Months 3.44% 3.50% 3.44% 3.50% Daily $100,000
18 Months 2.96% 3.00% 2.96% 3.00% Daily $100,000

Interest Rates Effective: 05/01/2025

Revised: 04/30/2025

Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest rate. Penalties may be imposed on early withdrawal. If your Jumbo CD balance falls below $100,000, the account will be closed and incur an early withdrawal penalty. Interest compounds daily.

*APY assumes funds remain on deposit for 1 year.

Fixed CD Rates

Term Interest Rate APY* Method of Compounding Minimum to Open/Earn APY
46 Days 0.05% 0.05% Daily $100
3 Months 2.71% 2.75% Daily $100
6 Months 2.81% 2.85% Daily $100
1 Year 2.91% 2.95% Daily $100
2 Years 2.71% 2.75% Daily $100
3 Years 2.71% 2.75% Daily $100
4 Years 2.47% 2.50% Daily $100
5 Years 2.47% 2.50% Daily $100

Interest Rates Effective: 05/01/2025

Revised: 04/30/2025

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

Variable Rate CD

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

Interest Rates Effective: 05/01/2025

Revised: 04/30/2025

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

Traditional and Roth IRA CDs

Term Interest Rate APY* Minimum to Open Notes
12 months 3.68% 3.75% $500 Open in a branch or by phone
36 months 2.96% 3.00% $500 Open in a branch or by phone
60 months 2.71% 2.75% $500 Open in a branch or by phone

Interest Rates Effective: 05/01/2025

Revised: 04/30/2025

*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. 

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

Balance VIP Interest VIP APY Roth Interest Roth APY Coverdell Interest Coverdell APY
$0 to $4,999.99 0.03% 0.03% 0.03% 0.03% 0.03% 0.03%
$5,000 to $24,999.99 0.03% 0.03% 0.03% 0.03% 0.03% 0.03%
$25,000 to $49,999.99 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: 05/01/2025

Revised: 04/30/2025

Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Minimum opening deposit is $100.00 for Education Savings Accounts, $50.00 for ROTH, and $25.00 for VIP. 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.