First Federal S&L of Lorain CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 0.25%, 6-month CD rates at 5.15% and 3-month CD rates at 2.27%. Current savings rates are at 0.25% and money market rates are at 4.75%. Mortgage rates today on 30-year fixed loans are around 6.00%. Credit Card rates are at 18.00%. Personal Loan rates are at 11.24%. All these rates, and more, can be found in our database of rates. First Federal S&L of Lorain's 8-Month CD special rates are at 5.25%, 15-Month CD special rates are at 4.85%, 11-Month CD special rates are at 4.75%, 48-Month CD rates are at 0.30%, 36-Month CD rates are at 0.30%. First Federal S&L of Lorain's savings rates are at 0.01%. First Federal S&L of Lorain's money market rates are at 0.08%.

First Federal S&L of Lorain

To see how these rates compare to First Federal S&L of Lorain CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from First Federal S&L of Lorain, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with First Federal S&L of Lorain CD rates. You can also compare First Federal S&L of Lorain savings rates, MMA rates and mortgage rates using our other rate lists.

First Federal S&L of Lorain 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 S&L of Lorain? Share your experience about First Federal S&L of Lorain by leaving a review below, or read customer reviews before you decide to use First Federal S&L of Lorain.

First Federal S&L of Lorain Texas Ratio

First Federal S&L of Lorain's Texas Ratio is at 7.34%, which is considered excellent. The Texas Ratio for First Federal S&L of Lorain is higher than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, First Federal S&L of Lorain is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
0.10%
18-Month CD
0.15%
24-Month CD
0.25%
36-Month CD
0.30%
48-Month CD
0.30%
60-Month CD
N/A
Savings
0.01%
MMA
0.08%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
First Federal S&L of Lorain
3721 Oberlin Ave
Lorain, OH 44053
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

First Federal S&L of Lorain CD Rates and Interest Rates

Bank
Product
APY
Min Dep
First Federal S&L of Lorain
First Federal S&L of Lorain
8-Month CD special
5.25%
$250
First Federal S&L of Lorain
First Federal S&L of Lorain
15-Month CD special
4.85%
$250
First Federal S&L of Lorain
First Federal S&L of Lorain
11-Month CD special
4.75%
$250
First Federal S&L of Lorain
First Federal S&L of Lorain
48-Month CD
0.30%
$250
First Federal S&L of Lorain
First Federal S&L of Lorain
36-Month CD
0.30%
$250
First Federal S&L of Lorain
First Federal S&L of Lorain
24-Month CD
0.25%
$250
First Federal S&L of Lorain
First Federal S&L of Lorain
18-Month CD
0.15%
$250
First Federal S&L of Lorain
First Federal S&L of Lorain
12-Month CD
0.10%
$250
First Federal S&L of Lorain
First Federal S&L of Lorain
Insured Money Market Fund
0.08%
$2,500
First Federal S&L of Lorain
First Federal S&L of Lorain
New Checking Account
0.03%
$100
First Federal S&L of Lorain
First Federal S&L of Lorain
Statement Savings Account
0.01%
$1
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare First Federal S&L of Lorain Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
The Bank of Denver
The Bank of Denver
12-Month CD
4.00%
$1,000
Prairie Bank of Kansas
Prairie Bank of Kansas
18-Month CD
3.53%
$1,000
Gorham Savings Bank
Gorham Savings Bank
60-Month CD
1.25%
$500
Community Bank Delaware
Community Bank Delaware
18-Month CD
0.40%
$500
Kearney Trust Company
Kearney Trust Company
12-Month CD Simple Interest
4.50%
$25
Chartway Credit Union
Chartway Credit Union
Prime Share Savings
0.05%
$100
Mifflinburg B&T CO.
Mifflinburg B&T CO.
6-Month CD
0.50%
$500
National Exchange Bank and Trust
National Exchange Bank and Trust
36-Month CD
1.95%
$1,000
Sound Community Bank
Sound Community Bank
24-Month CD (with checking)
3.51%
$1,000
University First Federal Credit Union
University First Federal Credit Union
24-Month CD
4.50%
$500
Marion County State Bank
Marion County State Bank
3-Month CD
2.50%
$1,000
American Commerce Bank, N.A.
American Commerce Bank, N.A.
18-Month CD
2.50%
$500
Fayetteville Bank
Fayetteville Bank
12-Month CD
4.30%
$1,000
First National Bank of Hutchinson
First National Bank of Hutchinson
15-Month CD Add-On
4.82%
$500
Farmers Savings Bank Mineral Point, WI
Farmers Savings Bank Mineral Point, WI
18-Month CD special
4.25%
$25,000
Murphy Bank
Murphy Bank
12-Month Jumbo CD
4.80%
$10,000
Citizens Bank & Trust Co. MN
Citizens Bank & Trust Co. MN
60-Month CD
0.65%
$500
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
18-Month CD
5.00%
$500
BankNewport
BankNewport
Premium Money Market
2.00%
$250,000
Forte Bank
Forte Bank
7-Month CD special
5.10%
$1,000
Homewood Federal SB
Homewood Federal SB
8-Month CD
5.00%
$500
PSB Wellsburg, IA
PSB Wellsburg, IA
Regular Savings
0.49%
$50
First Security Bank Mackinaw, IL
First Security Bank Mackinaw, IL
9-Month CD
4.50%
$1,000
Bank of Zachary
Bank of Zachary
11-Month CD special
5.10%
$2,500
First Federal S&L of Central Illinois, S.B.
First Federal S&L of Central Illinois, S.B.
18-Month CD
1.77%
$1,000
Pathfinder Bank
Pathfinder Bank
High Yield Business MMDA Promo
4.60%
$1,000,000
Greenville Federal
Greenville Federal
36-Month CD
0.40%
$500
New Haven Bank
New Haven Bank
Safe Haven Savings
4.00%
$10,000
Sugar River Bank
Sugar River Bank
24-Month CD
0.40%
$500
Federation Bank
Federation Bank
Money Market
0.05%
$1,000
Foresight Bank
Foresight Bank
17-Month CD special
4.50%
$500
Commerce Bank of Arizona
Commerce Bank of Arizona
60-Month CD
3.50%
$1,000
Community Bank of Raymore
Community Bank of Raymore
36-Month CD
0.05%
$500
Heritage Bank Minnesota
Heritage Bank Minnesota
Checking Account
0.05%
$0
PeoplesBank
PeoplesBank
Growth Savings
0.10%
$10
First Enterprise Bank
First Enterprise Bank
48-Month CD
2.50%
$1,000
Winter Hill Bank
Winter Hill Bank
18-Month CD
0.35%
$500
Preferred Bank Rothville, MO
Preferred Bank Rothville, MO
11-Month CD special
4.47%
$500
Stryv Bank
Stryv Bank
18-Month CD
1.10%
$1,000
Merrick Bank
Merrick Bank
18-Month CD
4.65%
$25,000
Boonville Federal Savings Bank
Boonville Federal Savings Bank
24-Month CD
3.03%
$1,000
FirstBank of Nebraska
FirstBank of Nebraska
23-Month CD special
4.65%
$1,000
Monroe Savings Bank
Monroe Savings Bank
48-Month CD
2.25%
$500
Parkway Bank and Trust Company
Parkway Bank and Trust Company
24-Month CD
1.50%
$1,000
New Peoples Bank
New Peoples Bank
12-Month CD
3.10%
$0
BAC Community Bank
BAC Community Bank
12-Month CD
3.00%
$2,500
F&M Bank of St. Clair
F&M Bank of St. Clair
10-Month CD
5.00%
$500
Walpole Co-operative Bank
Walpole Co-operative Bank
30-Month CD
2.00%
$1,000
Adams State Bank
Adams State Bank
Money Market
0.60%
$2,500
Apple Federal Credit Union
Apple Federal Credit Union
24-Month CD (Certificate)
4.36%
$500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates February 23, 2024

Lender
Product
Rate
APR
Points
8.375%
8.432%
0.375
8.250%
8.411%
0.000
8.150%
8.354%
0.000
10-Year ARM
8.000%
8.099%
0.000
5-Year Jumbo ARM
5.875%
8.098%
2.000
30-Year Jumbo Fixed
7.750%
7.911%
1.000
5-Year ARM FHA
5.750%
7.888%
2.000
7-Year ARM
7.500%
7.847%
0.000
5Y/6M ARM
6.750%
7.841%
0.881
7-Year ARM
6.990%
7.764%
0.000
30-Year Fixed
7.421%
7.750%
0.000
7.500%
7.746%
0.000
7.500%
7.735%
1.000
5-Year ARM
6.000%
7.685%
2.000
7.500%
7.682%
1.000
6.500%
7.670%
0.500
5/6 Month ARM
6.750%
7.623%
1.000
6.500%
7.600%
0.500
7.250%
7.591%
0.000
7.500%
7.573%
0.000
30-Year Fixed FHA
6.000%
7.565%
0.000
6.875%
7.559%
0.000
7Y/6M ARM
6.500%
7.545%
0.908
7.125%
7.524%
1.000
6.625%
7.510%
0.500
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

First Federal S&L of Lorain Information

First Federal S&L of Lorain
3721 Oberlin Ave
Lorain, OH 44053
Lorain
Established Date: 01/01/1921
FDIC Certificate #: 29838
Date of FDIC Deposit Insurance: 10/18/1938
How Many Domestic U.S. Offices? 7
How Many Branches are There? 7
Is First Federal S&L of Lorain FDIC Insured? Yes
What is First Federal S&L of Lorain's Cert number? 29838
What is the maximum amount for insured deposits? $250,000 per holder, per account

First Federal S&L of Lorain Financials

Total Assets:
$536,718,000
Total Deposits:
$427,412,000
Equity Capital:
$52,828,000
Domestic Deposits:
$427,412,000
Net Income:
$-314,000
Return on Assets:
-0.0720%
Quarterly Return on Assets:
-0.2400%
Pretax Return on Assets:
-0.3996%
Pretax Quarterly Return on Assets:
-0.4000%
Return on Equity:
-0.6200%
Quarterly Return on Equity:
-2.4100%
Common Equity Tier 1 Capital Ratio:
28.7174%
Tier 1 Risk-Based Capital Ratio:
28.7174%
Leverage Tier 1 (Core Capital) Ratio:
13.3188%
Total Risk-Based Capital Ratio (YTD):
29.4558%
Total Interest Income (YTD):
2.6155%
 
 
Headquarters:
Lorain
FDIC Field Office:
Columbus
Regulator:
OCC
County:
Lorain
# of Offices:
7
Metropolitan Statistical Area (MSA):
Cleveland-Elyria, OH
Consolidated Metropolitan Statistical Area (CMSA):
Cleveland-Akron, OH
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC

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Average auto loan rates was mixed this week compared to last week. Interest rates on mortgages and auto loans have been heading higher as rates have increased. Since the economy is recovering and hiring as picked up we will see higher auto loan rates in 2011 as the Fed raises the Fed funds rate and banks raise rates. 
U.S. homeownership rate has just hit a 20 year low despite near record low current mortgage rates. The U.S. Department of Commerce reported the homeownership rate fell to 64.3 percent in the 4th quarter of 2014. This is the lowest level since the 3rd quarter of 1994.

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