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.
Land Loans Rates
May 28, 2021, 09:43 AM
Title :
Land Loans Rates
Effective Date :
3/28/2024
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/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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.
Apply Now Action :
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
|
7.375%, first 7 years; then 1 year CMT + 3.00 adjusted annually for years 8-30
|
7.856%
|
0.000
|
$300,000
|
$2,072.03
|
$3,013.47 maximum P&I payment over the remaining 23 years
|
Interest Rates Effective: 3/21/2024
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.
Land Loans Rates
May 28, 2021, 09:43 AM
Title :
Land Loans Rates
Effective Date :
3/28/2024
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/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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.
Apply Now Action :
Land Loans Rates
May 28, 2021, 09:43 AM
Title :
Land Loans Rates
Effective Date :
3/28/2024
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/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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.
Apply Now Action :
Land Loans Rates
May 28, 2021, 09:43 AM
Title :
Land Loans Rates
Effective Date :
3/28/2024
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/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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.
Apply Now Action :
Land Loans Rates
May 28, 2021, 09:43 AM
Title :
Land Loans Rates
Effective Date :
3/28/2024
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/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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.
Apply Now Action :
Land Loans Rates
May 28, 2021, 09:43 AM
Title :
Land Loans Rates
Effective Date :
3/28/2024
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/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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.
Apply Now Action :
Land Loans Rates
May 28, 2021, 09:43 AM
Title :
Land Loans Rates
Effective Date :
3/28/2024
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/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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.
Apply Now Action :
Land Loans Rates
May 28, 2021, 09:43 AM
Title :
Land Loans Rates
Effective Date :
3/28/2024
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/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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.
Apply Now Action :
Land Loans Rates
May 28, 2021, 09:43 AM
Title :
Land Loans Rates
Effective Date :
3/28/2024
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/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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.
Apply Now Action :
Land Loans Rates
May 28, 2021, 09:43 AM
Title :
Land Loans Rates
Effective Date :
3/28/2024
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/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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.
Apply Now Action :
Land Loans Rates
May 28, 2021, 09:43 AM
Title :
Land Loans Rates
Effective Date :
3/28/2024
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/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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.
Apply Now Action :
Land Loans Rates
May 28, 2021, 09:43 AM
Title :
Land Loans Rates
Effective Date :
3/28/2024
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/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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.
Apply Now Action :
Land Loans Rates
May 28, 2021, 09:43 AM
Title :
Land Loans Rates
Effective Date :
3/28/2024
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/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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.
Apply Now Action :
Land Loans Rates
May 28, 2021, 09:43 AM
Title :
Land Loans Rates
Effective Date :
3/28/2024
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/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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.
Apply Now Action :
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: 3/28/2024
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.
Land Loans Rates
May 28, 2021, 09:43 AM
Title :
Land Loans Rates
Effective Date :
3/28/2024
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/#/choose-loan-type?loginMethod=SSO
External Site URL (for Quin Page) :
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.
Apply Now Action :
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: 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.
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
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.
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.
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.
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.
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.
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.
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.
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: 02/09/2024
Revised: 02/08/2024
*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.
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.
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