What are the current interest rates at Financial Federal Bank?

Current rates for Financial Federal Bank include: 12-Month CD: 3.85%, MMA: 0.05%

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Financial Federal Bank Rates & Review April 2026

Q: How many branches does Financial Federal Bank operate?

Financial Federal Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Financial Federal Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Financial Federal Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 22, 2026

Financial Federal Bank's 12-Month CD rates are at 3.85%, 6-Month CD rates are at 3.80%. Financial Federal Bank's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of Financial Federal Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.01%. Rates were last updated on 04/22/2026.

Financial Federal Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Financial Federal Bank? Share your experience about Financial Federal Bank by leaving a review below, or read customer reviews before you decide to use Financial Federal Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.01%

Excellent Lower than avg

Financial Federal Bank

1715 Aaron Brenner Dr
Memphis, TN 38120

https://www.finfedmem.com

Financial Federal Bank CD Rates

Product	Rate	APY
12 Month CD	-	3.85%
Min Balance $1,000 Details Minimum opening balance of $1,000 required for 3.85% APY for 12 month CD. 12 month rates effective April 1, 2026. Early withdrawal penalty will apply. Rate and offer subject to change without notice. Fees could reduce earnings on account. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
6 Month CD	-	3.80%
Min Balance $1,000 Details Minimum opening balance of $1,000 required for 3.80% APY for 6 month CD. 6 month rates effective March 25, 2026. Early withdrawal penalty will apply. Rate and offer subject to change without notice. Fees could reduce earnings on account. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Financial Federal Bank Money Market Rates

Product	Rate	APY
Money Market	-	3.30%
Min Balance $5,000 Details Minimum opening balance of $5,000 required. Rate and offer subject to change without notice and after account opening. Interest earned on the entire daily balance. Fees could reduce earnings on account. Rates effective December 11, 2025. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Money Market	-	3.20%
Min Balance $5,000 Details Minimum opening balance of $5,000 required. Rate and offer subject to change without notice and after account opening. Interest earned on the entire daily balance. Fees could reduce earnings on account. Rates effective December 11, 2025. Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Money Market	-	0.05%
Min Deposit $5,000 Details Balances under $5,000 Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Financial Federal Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Financial Federal Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Financial Federal Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Financial Federal Bank

Bank Holding Company FINANCIAL FEDCORP INC

Address 1715 Aaron Brenner Dr, Memphis, TN 38120 · Shelby

Website https://www.finfedmem.com

FDIC Certificate # 31840

Established 01/01/1973

FDIC Insurance Date 08/09/1989

Domestic Offices 1

Total Branches 1

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.01%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9210%

Return on Equity (ROE) 8.3200%

Non-Performing Loans (NPL) 0.00%

Total Assets $1,096,886,000

Total Deposits $873,690,000

Equity Capital $107,053,000

Net Income $7,876,000

Headquarters Memphis

Total Offices 1

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Financial Federal Bank

Is Financial Federal Bank a safe place to deposit money?

Yes, Financial Federal Bank is considered a safe financial institution. With a Texas Ratio of 0.0068285354742418%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Financial Federal Bank operate?

Financial Federal Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Financial Federal Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Financial Federal Bank provides members with tools to manage their accounts and build a solid financial history.

Does Financial Federal Bank offer online and mobile banking?

Most modern institutions like Financial Federal Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.finfedmem.com.