What are the current interest rates at First Federal Bank Dunn, NC?

Current rates for First Federal Bank Dunn, NC include: Savings: 0.03%

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First Federal Bank Dunn, NC

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First Federal Bank Dunn, NC Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Federal Bank Dunn, NC 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 and Verified: September 19, 2026

First Federal Bank Dunn, NC's savings rates are at 0.03%. MonitorBankRates evaluates the financial stability of First Federal Bank Dunn, NC with a 4.8 Star Rating, an A Overall Health Grade, and a Texas Ratio of 5.15%. Rates last updated and verified on 09/19/2026.

First Federal Bank Dunn, NC 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 First Federal Bank Dunn, NC? Share your experience about First Federal Bank Dunn, NC by leaving a review below, or read customer reviews before you decide to use First Federal Bank Dunn, NC.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

4.8

Excellent Out of 5.0 Stars

Texas Ratio

5.15%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

First Federal Bank

200 E Divine St
Dunn, NC 28334

https://www.firstfederalbanknc.com

First Federal Bank Dunn, NC Savings Rates

Product	Rate	APY
Smart Savings	1.98%	2.00%
Min Deposit $100 Min Balance $10,000 Details Qualifications Required: Have at least 20 debit card purchases post and clear each monthly statement cycle; Have at least 1 automatic payment, bill pay, or direct deposit post and clear each monthly statement cycle; Access Online Banking or Mobile Banking once each monthly statement cycle; Receive e-statements; If qualifications are met in the Smart Checking, 1) balances up to $10,000.00 in Smart Savings receive an interest rate of 1.98% with an APY of 2.00%; and 2) balances over $10,000.00 in Smart Savings earn an interest rate of 0.15% with a 0.15% APY on the portion of the balance above $10,000.00, resulting in 2.00% APY - 0.34% APY depending on the balance. If qualifications are not met in Smart Checking, all balances in Smart Savings earn 0.03% APY. APYs are accurate as of 11-22-19. Rate and rate tiers may change at any time and without prior notice after the account is opened. Interest begins to accrue on the business day you deposit noncash items (for example, checks. If the Smart Savings account is closed before interest is credited, you will not receive the accrued interest. Actual interest amount paid may be less than the advertised Smart Savings APY. Fees may reduce earnings. Nonsufficient funds fees and miscellaneous fees apply to the Smart Savings account. No minimum balance required to maintain the account. See the Schedule of Fees for additional fees related to the account. Limit one Smart Savings account per social security number. E-statements are required. Account openings are subject to Bank approval. Nonsufficient fund fees per debit item may apply if you withdraw more funds than are available in your account. If the account is closed within the first six months an early close fee will be assessed. Third party message and data rates may apply. Non-Sufficient Funds (NSF) for Smart Savings: The categories for which a non-sufficient funds fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means. Daily NSF limits will apply to your account. You may be charged a non-sufficient funds (NSF) fee for each check, ACH, ATM, or Debit Card transaction that causes your account balance to go into the negative up to five (5) per day at $37.00 each for a total daily maximum of $185.00. The NSF fee will be charged whether the item is paid or returned. If you have a non-sufficient funds item or transaction in an amount of $5.00 or less you will not be charged a non-sufficient (NSF) fee, whether the item is paid or returned. Transaction Limitations on the Smart Savings account: A per debit fee of $4.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment from this account) in excess of two (2) during a monthly statement cycle. Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 5.15%
Smart Savings	0.03%	0.03%
Min Deposit $100 Details If qualifications are met in the Smart Checking, 1) balances up to $10,000.00 in Smart Savings receive an interest rate of 1.98% with an APY of 2.00%; and 2) balances over $10,000.00 in Smart Savings earn an interest rate of 0.15% with a 0.15% APY on the portion of the balance above $10,000.00, resulting in 2.00% APY - 0.34% APY depending on the balance. If qualifications are not met in Smart Checking, all balances in Smart Savings earn 0.03% APY. APYs are accurate as of 11-22-19. Rate and rate tiers may change at any time and without prior notice after the account is opened. Interest begins to accrue on the business day you deposit noncash items (for example, checks. If the Smart Savings account is closed before interest is credited, you will not receive the accrued interest. Actual interest amount paid may be less than the advertised Smart Savings APY. Fees may reduce earnings. Nonsufficient funds fees and miscellaneous fees apply to the Smart Savings account. No minimum balance required to maintain the account. See the Schedule of Fees for additional fees related to the account. Limit one Smart Savings account per social security number. E-statements are required. Account openings are subject to Bank approval. Nonsufficient fund fees per debit item may apply if you withdraw more funds than are available in your account. If the account is closed within the first six months an early close fee will be assessed. Third party message and data rates may apply. Non-Sufficient Funds (NSF) for Smart Savings: The categories for which a non-sufficient funds fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means. Daily NSF limits will apply to your account. You may be charged a non-sufficient funds (NSF) fee for each check, ACH, ATM, or Debit Card transaction that causes your account balance to go into the negative up to five (5) per day at $37.00 each for a total daily maximum of $185.00. The NSF fee will be charged whether the item is paid or returned. If you have a non-sufficient funds item or transaction in an amount of $5.00 or less you will not be charged a non-sufficient (NSF) fee, whether the item is paid or returned. Transaction Limitations on the Smart Savings account: A per debit fee of $4.00 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment from this account) in excess of two (2) during a monthly statement cycle. Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 5.15%

First Federal Bank Dunn, NC Checking Rates

Product	Rate	APY
Smart Checking	1.98%	2.00%
Min Deposit $100 Min Balance $10,000 Details Qualifications Required: 20 debit card purchases post and clear each monthly statement cycle; 1 automatic payment, bill pay, or direct deposit post and clear each monthly statement cycle; Access Online Banking or Mobile Banking once each monthly statement cycle; Receive e-statements; For balances up to $10,000.00 the interest rate is 1.98% and the Annual Percentage Yield (APY) is 2.00%. For balances over $10,000.00 the current rate is 1.98% with a 2.00% APY on the first $10,000.00 in deposits and an interest rate of 0.15% and a 0.15% APY on the portion of the balance above $10,000.00 for an APY of 2.00% to 0.34% APY. If you do not meet the above qualifications, you will still earn the base interest rate of 0.03% with a 0.03% APY and you will be charged a monthly service charge of $12.50 on your Smart Checking account. APYs are accurate as of 2-28-2025. Rate and rate tiers may change at any time and without prior notice after the account is opened. Qualifying transactions must post to and clear the Smart Checking account during the monthly statement cycle. Transactions may take one or more banking days from the date the transaction was made to post to and clear the account. ATM processed transactions do not count towards the qualifying debit card transactions. Transfers between your accounts with us do not count as qualifying transactions. Available to personal accounts only. Interest begins to accrue on the business day you deposit noncash items (for example, checks). The advertised Smart Checking APY is based on compounding interest. Interest will be compounded daily and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest. Actual interest amount paid may be less than the advertised Smart Checking APY. Fees may reduce earnings. Nonsufficient funds fees and miscellaneous fees apply to the Smart Checking. No minimum balance required to maintain the account. See the Schedule of Fees for additional fees related to the account. Limit one Smart Checking account per social security number. E-statements are required. Account openings are subject to Bank approval. Nonsufficient fund fees per debit item may apply if you withdraw more funds than are available in your account. If the account is closed within the first six months an early close fee will be assessed. Third party message and data rates may apply. Non-Sufficient Funds (NSF) for Smart Checking: The categories for which a non-sufficient funds fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means. Daily NSF limits will apply to your account. You may be charged a non-sufficient funds (NSF) fee for each check, ACH, ATM, or Debit Card transaction that causes your account balance to go into the negative up to five (5) per day at $37.00 each for a total daily maximum of $185.00. The NSF fee will be charged whether the item is paid or returned. If you have a non-sufficient funds item or transaction in an amount of $5.00 or less you will not be charged a non-sufficient (NSF) fee, whether the item is paid or returned. x Online Banking Personal/Small Business Business Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 5.15%
Smart Checking	0.03%	0.03%
Min Deposit $100 Details If you do not meet the above qualifications, you will still earn the base interest rate of 0.03% with a 0.03% APY and you will be charged a monthly service charge of $12.50 on your Smart Checking account. APYs are accurate as of 12-27-2024. Rate and rate tiers may change at any time and without prior notice after the account is opened. Qualifying transactions must post to and clear the Smart Checking account during the monthly statement cycle. Transactions may take one or more banking days from the date the transaction was made to post to and clear the account. ATM processed transactions do not count towards the qualifying debit card transactions. Transfers between your accounts with us do not count as qualifying transactions. Available to personal accounts only. Interest begins to accrue on the business day you deposit noncash items (for example, checks). The advertised Smart Checking APY is based on compounding interest. Interest will be compounded daily and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest. Actual interest amount paid may be less than the advertised Smart Checking APY. Fees may reduce earnings. Nonsufficient funds fees and miscellaneous fees apply to the Smart Checking. No minimum balance required to maintain the account. See the Schedule of Fees for additional fees related to the account. Limit one Smart Checking account per social security number. E-statements are required. Account openings are subject to Bank approval. Nonsufficient fund fees per debit item may apply if you withdraw more funds than are available in your account. If the account is closed within the first six months an early close fee will be assessed. Third party message and data rates may apply. Non-Sufficient Funds (NSF) for Smart Checking: The categories for which a non-sufficient funds fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means. Daily NSF limits will apply to your account. You may be charged a non-sufficient funds (NSF) fee for each check, ACH, ATM, or Debit Card transaction that causes your account balance to go into the negative up to five (5) per day at $37.00 each for a total daily maximum of $185.00. The NSF fee will be charged whether the item is paid or returned. If you have a non-sufficient funds item or transaction in an amount of $5.00 or less you will not be charged a non-sufficient (NSF) fee, whether the item is paid or returned. Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 5.15%

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.
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Financial Health History

First Federal Bank Dunn, NC’s Texas Ratio fell from 8.80% in Q3 2023 to 5.15% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 3.0 to 4.8 and its Health Grade from C to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$276M	5.15%	4.8	A
March 31, 2026	$272M	5.91%	4.6	A
December 31, 2025	$272M	6.09%	4.7	A
September 30, 2025	$262M	9.26%	4.7	A-
June 30, 2025	$263M	10.46%	4.0	B
March 31, 2025	$263M	9.51%	4.3	B+
December 31, 2024	$254M	4.40%	4.3	A-
September 30, 2024	$253M	4.19%	4.8	A
June 30, 2024	$258M	4.62%	4.1	B+
March 31, 2024	$257M	6.69%	3.9	B
December 31, 2023	$256M	7.05%	4.1	B+
September 30, 2023	$254M	8.80%	3.0	C

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Federal Bank Dunn, NC 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 First Federal Bank Dunn, NC 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 First Federal Bank Dunn, NC's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Federal Bank Dunn, NC

Bank Holding Company FIRST FEDERAL FINANCIAL CORP

Address 200 E Divine St, Dunn, NC 28334 · Harnett

Website https://www.firstfederalbanknc.com

FDIC Certificate # 31077

Established 19580101

FDIC Insurance Date 19890809

Domestic Offices 7

Total Branches 7

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

4.8

Excellent Out of 5.0 Stars

5.15%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.2899%

Return on Equity (ROE) 4.3300%

Non-Performing Loans (NPL) 0.35%

Total Assets $275,578,000

Total Deposits $250,513,000

Equity Capital $18,668,000

Net Income $396,000

Headquarters Dunn

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Federal Bank Dunn, NC earned the Verified Healthy badge

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Frequently Asked Questions About First Federal Bank Dunn, NC

How many branches does First Federal Bank Dunn, NC operate?

First Federal Bank Dunn, NC currently maintains approximately 7 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, First Federal Bank Dunn, NC 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, First Federal Bank Dunn, NC provides members with tools to manage their accounts and build a solid financial history.

Does First Federal Bank Dunn, NC offer online and mobile banking?

Most modern institutions like First Federal Bank Dunn, NC 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.firstfederalbanknc.com.