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First Federal S&L of McMinnville

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First Federal S&L of McMinnville Rates & Review November 2026

Q: What are the current interest rates at First Federal S&L of McMinnville?

Current rates for First Federal S&L of McMinnville include: 12-Month CD: 3.90%, 18-Month CD: 3.50%, 24-Month CD: 2.75%, 36-Month CD: 2.50%, 48-Month CD: 2.50%, 60-Month CD: 2.50%, Savings: 0.05%, MMA: 0.15%

Q: What CD terms does First Federal S&L of McMinnville offer?

First Federal S&L of McMinnville CD rates are 4.00% APY for a 3 month CD, 3.90% APY for a 6 month CD, 3.90% APY for a 9 month CD, 3.90% APY for a 12 month CD, 3.50% APY for an 18 month CD, 3.00% APY for a 2 year CD, 2.50% APY for a 3 year CD, 2.50% APY for a 4 year CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with First Federal S&L of McMinnville for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 6, 2026

First Federal S&L of McMinnville's Short Term CD - 3-Month rates are at 4.00%, 1 Year Long Term CD rates are at 3.90%, Short Term CD - 6-Month rates are at 3.90%, Short Term CD - 9-Month rates are at 3.90%, 1 1/2 Years Long Term CD rates are at 3.00%. First Federal S&L of McMinnville's savings rates are at 0.05%. First Federal S&L of McMinnville's money market rates are at 0.15%. First Federal S&L of McMinnville's checking rates are as high as 0.01%. First Federal S&L of McMinnville's Jumbo Home Loan - 15 Year rates are at 5.875%, Jumbo Home Loan - 20 Year rates are at 6.50%, Jumbo Home Loan - 30 Year rates are at 6.875%, Jumbo Home Loan - 29 Year Construction rates are at 6.875%. First Federal S&L of McMinnville's RV, Boat and Powersport Loan Rates are as low as 10.00%. First Federal S&L of McMinnville's top CD rate of 4.00% APY on an 18 month CD is 36% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of First Federal S&L of McMinnville with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.22%. Rates last updated and verified on 11/06/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.22%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First Federal S&L of McMinnville

118 Ne 3rd St
Mcminnville, OR 97128

https://www.firstfedweb.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

First Federal S&L of McMinnville CD Rates

Product	Rate	APY	Term	Min. Deposit
18-Month IRA CD	-	4.00%	18 months	-
No additional details. Last Updated 11/06/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Short Term CD - 3-Month	-	4.00%	3 Month	$500
Min Deposit $500 Min Balance $500 Details Rates effective 10/21/2026; Minimum daily balance of $500 to maintain APY Last Updated 11/06/2026 Rate History 1 change since Oct 21, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85% Oct 26, 20264.00%▲ from 3.85% Oct 21, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
1-Year Long Term CD	-	3.90%	1 Year	$100
Min Deposit $100 Min Balance $100 Details Rates effective 10/21/2026 Last Updated 11/06/2026 Rate History No change since Oct 26, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Short Term CD - 6-Month	-	3.90%	6 Month	$500
Min Deposit $500 Min Balance $500 Details Rates effective 10/21/2026; Minimum daily balance of $500 to maintain APY Last Updated 11/06/2026 Rate History 1 change since Oct 21, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75% Oct 26, 20263.90%▲ from 3.75% Oct 21, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Short Term CD - 9-Month	-	3.90%	9 Month	$500
Min Deposit $500 Min Balance $500 Details Rates effective 10/21/2026; Minimum daily balance of $500 to maintain APY Last Updated 11/06/2026 Rate History 1 change since Oct 21, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75% Oct 26, 20263.90%▲ from 3.75% Oct 21, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
SEP IRA 18-Month IRA	-	3.50%	18 Month	-
Details Rates effective 10/14/2025; no minimum balance required to earn APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
2 1/2-Year IRA CD	3.15%	3.25%	2 1/2 years	-
No additional details. Last Updated 11/06/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
SEP IRA 2 1/2-Year IRA	3.15%	3.25%	2 1/2 Year	-
Details Rates effective 10/14/2025; no minimum balance required to earn APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
1 1/2-Years Long Term CD	2.92%	3.00%	1 1/2 Years	$100
Min Deposit $100 Min Balance $100 Details Rates effective 10/21/2026 Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
2-Year Long Term CD	2.68%	2.75%	2 Years	$100
Min Deposit $100 Min Balance $100 Details Rates effective 10/21/2026 Last Updated 11/06/2026 Rate History No change since Oct 26, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
2 1/2-Years Long Term CD	2.68%	2.75%	2 1/2 Years	$100
Min Deposit $100 Min Balance $100 Details Rates effective 10/21/2026 Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
3-Year Long Term CD	2.44%	2.50%	3 Years	$100
Min Deposit $100 Min Balance $100 Details Rates effective 10/21/2026 Last Updated 11/06/2026 Rate History No change since Oct 26, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
4-Year Long Term CD	2.44%	2.50%	4 Years	$100
Min Deposit $100 Min Balance $100 Details Rates effective 10/21/2026 Last Updated 11/06/2026 Rate History No change since Oct 26, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
5-Year IRA CD	2.44%	2.50%	5 years	-
No additional details. Last Updated 11/06/2026 Rate History No change since Oct 26, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
5-Year Long Term CD	2.44%	2.50%	5 Years	$100
Min Deposit $100 Min Balance $100 Details Rates effective 10/21/2026 Last Updated 11/06/2026 Rate History No change since Oct 26, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Long Term CD - 3-Years	2.44%	2.50%	3 Years	-
Min Balance $100 Details Rates effective 10/21/2026; Minimum balance to maintain APY is $100 Last Updated 11/06/2026 Rate History No change since Oct 26, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Long Term CD - 4-Years	2.44%	2.50%	4 Years	-
Min Balance $100 Details Rates effective 10/21/2026; Minimum balance to maintain APY is $100 Last Updated 11/06/2026 Rate History No change since Oct 26, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Long Term CD - 5-Years	2.44%	2.50%	5 Years	-
Min Balance $100 Details Rates effective 10/21/2026; Minimum balance to maintain APY is $100 Last Updated 11/06/2026 Rate History No change since Oct 26, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
SEP IRA 5-Year IRA	2.44%	2.50%	5 Year	-
Details Rates effective 10/14/2025; no minimum balance required to earn APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Short Term CD - 1-Month	1.00%	1.02%	1 Month	$500
Min Deposit $500 Min Balance $500 Details Rates effective 10/21/2026; Minimum daily balance of $500 to maintain APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 1.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

First Federal S&L of McMinnville Savings Rates

Product	Rate	APY
Health Savings Account	0.05%	0.05%
No additional details. Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Christmas Club	0.02%	0.02%
No additional details. Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Statement Savings	0.02%	0.02%
No additional details. Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

First Federal S&L of McMinnville Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.02%	0.02%
Details Rates effective 10/14/2025; Does not require a daily balance to obtain APY Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

First Federal S&L of McMinnville Money Market Rates

Product	Rate	APY
Daily Money Market	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Daily Money Market	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Daily Money Market	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000-$249,999 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Daily Money Market	0.15%	0.15%
Min Balance $250,000 Details Balance: $250,000 and Over Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
IRA Money Market	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
IRA Money Market	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000-$249,999 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
IRA Money Market	0.15%	0.15%
Min Balance $250,000 Details Balance: $250,000 and Over Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
IRA Money Market	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Daily Money Market	0.10%	0.10%
Min Balance $5 Details Balance: $5-$2,499 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Daily Money Market	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500-$9,999 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Daily Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000-$24,999 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
IRA Money Market	0.10%	0.10%
Min Balance $5 Details Balance: $5-$2,499 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
IRA Money Market	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500-$9,999 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
IRA Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000-$24,999 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

First Federal S&L of McMinnville Checking Rates

Product	Rate	APY
62+ Checking	0.01%	0.01%
Details Rates effective 10/14/2025; no minimum balance required to earn the annual percentage yield (APY) Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Digital Checking	0.01%	0.01%
Details Rates effective 10/14/2025; no minimum balance required to earn the annual percentage yield (APY) Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Regular Checking	0.01%	0.01%
Details Rates effective 10/14/2025; no minimum balance required to earn the annual percentage yield (APY) Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

First Federal S&L of McMinnville Mortgage Rates

Product	Rate	Points	APR	Term
Jumbo Home Loan - 15 Year	5.875%	1.000	6.133%	15 Year
Details Fee: 0.500% Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 6.13% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Jumbo Home Loan - 20 Year	6.50%	1.000	6.71%	20 Year
Details Fee: 0.500% Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 6.71% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Jumbo Home Loan - 30 Year	6.875%	1.000	7.038%	30 Year
Details Fee: 0.500% Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 7.04% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Jumbo Home Loan - 30 Year	6.875%	1.000	7.07%	30 Year
Details Footnote marker **; Fee: 0.500% Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 7.07% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Jumbo Home Loan - 29 Year Construction	6.875%	1.000	7.104%	29 Year
Details Construction loan; Fee: 1.000%; footnote marker * Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 7.10% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

First Federal S&L of McMinnville Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed Rate Loan	8.00%	-	8.00%	120 months
Details Primary Residence Only; Minimum Loan Amount $20,000.00; LTV 80%; Fee: ** see below (Loan Fee is $295 for loans up to $100,000, and $495 for loans above $100,000); APR and payment based on minimum loan amounts stated; rates based on credit history, a 740 FICO score and automatic payment; rates effective 11/2/2026 Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Home Equity Fixed Rate Loan	8.00%	-	8.00%	180 months
Details Primary Residence Only; Minimum Loan Amount $20,000.00; LTV 80%; Fee: ** see below (Loan Fee is $295 for loans up to $100,000, and $495 for loans above $100,000); APR and payment based on minimum loan amounts stated; rates based on credit history, a 740 FICO score and automatic payment; rates effective 11/2/2026 Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Home Equity Fixed Rate Loan	8.00%	-	8.00%	240 months
Details Primary Residence Only; Minimum Loan Amount $20,000.00; LTV 80%; Fee: ** see below (Loan Fee is $295 for loans up to $100,000, and $495 for loans above $100,000); APR and payment based on minimum loan amounts stated; rates based on credit history, a 740 FICO score and automatic payment; rates effective 11/2/2026 Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Home Equity Loan - 240 months	8.00%	-	8.461%	240 months
Details Primary Residence Only; Fixed Rate Loan; Minimum Loan Amount: $20,000.00; LTV: 80%; Fee: ** see below (Loan Fee is $295 for loans up to $100,000, and $495 for loans above $100,000); Rates based on a 740 FICO score and automatic payment; effective 11/2/2026 Last Updated 11/06/2026 Rate History 1 change since Oct 21, 2026 · 8.59% → 8.46% ▼ 0.13 pts · high 8.59% / low 8.46% Nov 6, 20268.46%▼ from 8.59% Oct 21, 20268.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Home Equity Loan - 180 months	8.00%	-	8.567%	180 months
Details Primary Residence Only; Fixed Rate Loan; Minimum Loan Amount: $20,000.00; LTV: 80%; Fee: ** see below (Loan Fee is $295 for loans up to $100,000, and $495 for loans above $100,000); Rates based on a 740 FICO score and automatic payment; effective 11/2/2026 Last Updated 11/06/2026 Rate History 1 change since Oct 21, 2026 · 8.70% → 8.57% ▼ 0.13 pts · high 8.70% / low 8.57% Nov 6, 20268.57%▼ from 8.70% Oct 21, 20268.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Home Equity Loan - 120 months	8.00%	-	8.786%	120 months
Details Primary Residence Only; Fixed Rate Loan; Minimum Loan Amount: $20,000.00; LTV: 80%; Fee: ** see below (Loan Fee is $295 for loans up to $100,000, and $495 for loans above $100,000); Rates based on a 740 FICO score and automatic payment; effective 11/2/2026 Last Updated 11/06/2026 Rate History 1 change since Oct 21, 2026 · 8.91% → 8.79% ▼ 0.13 pts · high 8.91% / low 8.79% Nov 6, 20268.79%▼ from 8.91% Oct 21, 20268.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Home Equity Loan - 60 months	8.00%	-	9.45%	60 months
Details Primary Residence Only; Fixed Rate Loan; Minimum Loan Amount: $20,000.00; LTV: 80%; Fee: ** see below (Loan Fee is $295 for loans up to $100,000, and $495 for loans above $100,000); Rates based on a 740 FICO score and automatic payment; effective 11/2/2026 Last Updated 11/06/2026 Rate History 1 change since Oct 21, 2026 · 9.58% → 9.45% ▼ 0.13 pts · high 9.58% / low 9.45% Nov 6, 20269.45%▼ from 9.58% Oct 21, 20269.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

First Federal S&L of McMinnville Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - Model Years 2026-2024 - Credit Score 740 or Above	-	-	6.34%	36 months
Details Model Years 2026-2024; Credit Score 740 or Above; max LTV 100% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.34% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2026-2024 - Credit Score 740 or Above	-	-	6.49%	48 months
Details Model Years 2026-2024; Credit Score 740 or Above; max LTV 100% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2026-2024 - Credit Score 740 or Above	-	-	6.74%	60 months
Details Model Years 2026-2024; Credit Score 740 or Above; max LTV 100% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Credit Score 700 to 739 (Model Years 2026-2024)	-	-	6.84%	36 months
Details Credit Score 700 to 739; Model Years 2026-2024; Max LTV 100% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.84% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2023-2021 - Credit Score 740 or Above	-	-	6.84%	36 months
Details Model Years: 2023-2021; Max LTV: 100%; Credit Score: 740 or Above Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.84% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Credit Score 700 to 739 (Model Years 2026-2024)	-	-	6.99%	48 months
Details Credit Score 700 to 739; Model Years 2026-2024; Max LTV 100% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2023-2021 - Credit Score 740 or Above	-	-	6.99%	48 months
Details Model Years: 2023-2021; Max LTV: 100%; Credit Score: 740 or Above Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2026-2024 - Credit Score 740 or Above	-	-	7.14%	72 months
Details Model Years 2026-2024; Credit Score 740 or Above; max LTV 100% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Credit Score 700 to 739 (Model Years 2026-2024)	-	-	7.24%	60 months
Details Credit Score 700 to 739; Model Years 2026-2024; Max LTV 100% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2023-2021 - Credit Score 740 or Above	-	-	7.24%	60 months
Details Model Years: 2023-2021; Max LTV: 100%; Credit Score: 740 or Above Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Credit Score 660 to 699 (MY1)	-	-	7.34%	36 months
Details Model Years 2026-2024; max LTV 100% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.34% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2020-2018 - Credit Score 740 or Above	-	-	7.34%	36 months
Details Model Years 2020-2018; Max LTV 80% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.34% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2023-2021, Credit Score 700 to 739	-	-	7.34%	36 months
Details Credit Score 700 to 739; Model Years 2023-2021; max LTV 100% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.34% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2026-2024 - Credit Score 660 to 699	-	-	7.34%	36 months
Details Model Years 2026-2024; Max LTV 100%; Credit Score 660 to 699 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.34% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Credit Score 660 to 699 (MY1)	-	-	7.49%	48 months
Details Model Years 2026-2024; max LTV 100% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2020-2018 - Credit Score 740 or Above	-	-	7.49%	48 months
Details Model Years 2020-2018; Max LTV 80% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2023-2021, Credit Score 700 to 739	-	-	7.49%	48 months
Details Credit Score 700 to 739; Model Years 2023-2021; max LTV 100% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2026-2024 - Credit Score 660 to 699	-	-	7.49%	48 months
Details Model Years 2026-2024; Max LTV 100%; Credit Score 660 to 699 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Credit Score 700 to 739 (Model Years 2026-2024)	-	-	7.64%	72 months
Details Credit Score 700 to 739; Model Years 2026-2024; Max LTV 100% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Credit Score 660 to 699 (MY1)	-	-	7.74%	60 months
Details Model Years 2026-2024; max LTV 100% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2020-2018 - Credit Score 740 or Above	-	-	7.74%	60 months
Details Model Years 2020-2018; Max LTV 80% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2023-2021, Credit Score 700 to 739	-	-	7.74%	60 months
Details Credit Score 700 to 739; Model Years 2023-2021; max LTV 100% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2026-2024 - Credit Score 660 to 699	-	-	7.74%	60 months
Details Model Years 2026-2024; Max LTV 100%; Credit Score 660 to 699 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2020-2018	-	-	7.84%	36 months
Details Credit Score 700 to 739; max LTV 80%; Model Years 2020-2018 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.84% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2023-2021 (Credit Score 660 to 699)	-	-	7.84%	36 months
Details Model Years 2023-2021; Max LTV 100%; Credit Score 660 to 699 (MY2) Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.84% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2023-2021 (MY2) Credit Score 660 to 699	-	-	7.84%	36 months
Details Credit Score 660 to 699; Model Years 2023-2021 (max LTV 100%) Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.84% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2020-2018	-	-	7.99%	48 months
Details Credit Score 700 to 739; max LTV 80%; Model Years 2020-2018 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2023-2021 (Credit Score 660 to 699)	-	-	7.99%	48 months
Details Model Years 2023-2021; Max LTV 100%; Credit Score 660 to 699 (MY2) Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2023-2021 (MY2) Credit Score 660 to 699	-	-	7.99%	48 months
Details Credit Score 660 to 699; Model Years 2023-2021 (max LTV 100%) Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Credit Score 660 to 699 (MY1)	-	-	8.14%	72 months
Details Model Years 2026-2024; max LTV 100% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 8.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2026-2024 - Credit Score 660 to 699	-	-	8.14%	72 months
Details Model Years 2026-2024; Max LTV 100%; Credit Score 660 to 699 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 8.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2020-2018	-	-	8.24%	60 months
Details Credit Score 700 to 739; max LTV 80%; Model Years 2020-2018 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2023-2021 (Credit Score 660 to 699)	-	-	8.24%	60 months
Details Model Years 2023-2021; Max LTV 100%; Credit Score 660 to 699 (MY2) Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2023-2021 (MY2) Credit Score 660 to 699	-	-	8.24%	60 months
Details Credit Score 660 to 699; Model Years 2023-2021 (max LTV 100%) Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2020-2018 (MY3)	-	-	8.34%	36 months
Details Credit Score 660 to 699; Model Years 2020-2018 (max LTV 80%); Rate includes .25% automatic payment discount Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 8.34% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2020-2018 - Credit Score 660 to 699	-	-	8.34%	36 months
Details Model Years 2020-2018 (max LTV 80%); Credit Score 660 to 699 (MY3); Rate effective 9/17/2026; Includes .25% automatic payment discount Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 8.34% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2020-2018 (MY3)	-	-	8.49%	48 months
Details Credit Score 660 to 699; Model Years 2020-2018 (max LTV 80%); Rate includes .25% automatic payment discount Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2020-2018 - Credit Score 660 to 699	-	-	8.49%	48 months
Details Model Years 2020-2018 (max LTV 80%); Credit Score 660 to 699 (MY3); Rate effective 9/17/2026; Includes .25% automatic payment discount Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2020-2018 (MY3)	-	-	8.74%	60 months
Details Credit Score 660 to 699; Model Years 2020-2018 (max LTV 80%); Rate includes .25% automatic payment discount Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2020-2018 - Credit Score 660 to 699	-	-	8.74%	60 months
Details Model Years 2020-2018 (max LTV 80%); Credit Score 660 to 699 (MY3); Rate effective 9/17/2026; Includes .25% automatic payment discount Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 8.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan	-	-	8.84%	36 months
Details Model Years 2017 & Older (max LTV 70%); Credit Score 740 or Above; Rates include .25% discount for automatic payment from a First Federal deposit account; Rates effective 09/11/2024 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 8.84% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan	-	-	9.34%	36 months
Details Model Years: 2017 & Older (max LTV 70%); Credit Score: 700 to 739; Rates effective 09/11/2024; APR includes .25% automatic payment discount Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 9.34% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Vehicle Loan - Model Years 2017 & Older	-	-	9.34%	36 months
Details Credit Score 700 to 739; Model Years 2017 & Older (max LTV 70%); Purchase; Rate includes .25% automatic payment discount; Rates effective 09/11/2024 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 9.34% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Auto Loan - Model Years 2017 & Older	-	-	9.84%	36 months
Details Credit Score 660 to 699 (MY4); Max LTV 70%; Based on $15,000 loan amount; Rate includes .25% discount for automatic payment from a First Federal deposit account Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 9.84% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

First Federal S&L of McMinnville RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles, ATVs, Personal Watercraft - New Loan	10.00%	10.00%	60 months
Details Condition: New; Maximum Term; LTV: 80%; Fee: NA; Rate includes 0.25% discount for automatic payment from a First Federal deposit account; without it, increase quoted rate by 0.25%; APR based on loan amount of $15,000 Last Updated 11/06/2026 Rate History No change since Sep 15, 2026 · 10.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Motorcycles, ATVs, Personal Watercraft - Used Loan	10.50%	10.50%	36 months
Details Condition: Used; Maximum Term; LTV: 80%; Fee: NA; Rate includes 0.25% discount for automatic payment from a First Federal deposit account; without it, increase quoted rate by 0.25%; APR based on loan amount of $15,000 Last Updated 11/06/2026 Rate History No change since Sep 15, 2026 · 10.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Motorcycles, ATVs, Personal Watercraft - Used Loan	10.50%	10.51%	36 months
Details LTV 80%; Maximum term 36 months; Fee NA; 2014 or newer; Rates include 0.250% discount for automatic payment from a First Federal deposit account Last Updated 11/06/2026 Rate History 1 change since Sep 15, 2026 · 10.50% → 10.51% ▲ 0.01 pts · high 10.51% / low 10.50% Oct 21, 202610.51%▲ from 10.50% Sep 15, 202610.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

First Federal S&L of McMinnville Personal Loan Rates

Product	APR	Term
Motorcycles, ATVs, Personal Watercraft - New Loan	10.00%	60 months
Details Condition: New; Maximum Term; LTV: 80%; Fee: NA; Rate includes 0.25% discount for automatic payment from a First Federal deposit account; without it, increase quoted rate by 0.25%; APR based on loan amount of $15,000 Last Updated 11/06/2026 Rate History No change since Sep 15, 2026 · 10.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Motorcycles, ATVs, Personal Watercraft - Used Loan	10.50%	36 months
Details Condition: Used; Maximum Term; LTV: 80%; Fee: NA; Rate includes 0.25% discount for automatic payment from a First Federal deposit account; without it, increase quoted rate by 0.25%; APR based on loan amount of $15,000 Last Updated 11/06/2026 Rate History No change since Sep 15, 2026 · 10.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Motorcycles, ATVs, Personal Watercraft - Used Loan	10.51%	36 months
Details LTV 80%; Maximum term 36 months; Fee NA; 2014 or newer; Rates include 0.250% discount for automatic payment from a First Federal deposit account Last Updated 11/06/2026 Rate History 1 change since Sep 15, 2026 · 10.50% → 10.51% ▲ 0.01 pts · high 10.51% / low 10.50% Oct 21, 202610.51%▲ from 10.50% Sep 15, 202610.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

First Federal S&L of McMinnville Other Rates

Product	Rate	Points	APY/APR	Term
Home Loan - 15 Year	5.875%	1.000%	6.16%	15 Year
Details Fee: 0.500% (minimum $1,500); Based on 25% down, $375,000 loan, 740 FICO; Minimum loan amount $50,000 Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 6.16% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Home Loan - 20 Year	6.50%	1.000%	6.732%	20 Year
Details Fee: 0.500% (minimum $1,500); Based on 25% down, $375,000 loan, 740 FICO; Minimum loan amount $50,000 Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 6.73% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Home Loan - 29 Year Construction	6.875%	1.000%	7.133%	29 Year
Details Fee: 1.000% (minimum $1,500); Based on 25% down, $375,000 loan, 740 FICO; Minimum loan amount $50,000 Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 7.13% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Home Loan - 30 Year	6.875%	1.000%	7.055%	30 Year
Details Fee: 0.500% (minimum $1,500); Based on 25% down, $375,000 loan, 740 FICO; Minimum loan amount $50,000 Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 7.06% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Home Loan - 30 Year First Time Homebuyer	7.125%	0.000%	7.138%	30 Year
Details First Time Homebuyer; Fee: 0.000%; Max loan-to-value 97% with no PMI; APR based on $375,000 loan; Minimum loan amount $50,000 Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 7.14% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Manufactured Home Loan - 15 Year	6.50%	0.000%	6.749%	15 Year
Details Fee: 1.250%; Rates effective 11/2/2026 Last Updated 11/06/2026 Rate History 1 change since Oct 21, 2026 · 6.88% → 6.75% ▼ 0.13 pts · high 6.88% / low 6.75% Nov 6, 20266.75%▼ from 6.88% Oct 21, 20266.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Manufactured Home Loan - 30 Year	7.50%	0.000%	7.661%	30 Year
Details Fee: 1.250%; Rates effective 11/2/2026 Last Updated 11/06/2026 Rate History 1 change since Oct 21, 2026 · 7.79% → 7.66% ▼ 0.13 pts · high 7.79% / low 7.66% Nov 6, 20267.66%▼ from 7.79% Oct 21, 20267.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Manufactured Home Loan - 30 Year FTHB	7.50%	0.000%	7.514%	30 Year
Details First Time Homebuyer; Fee: 0.000%; Rates effective 11/2/2026 Last Updated 11/06/2026 Rate History 1 change since Oct 21, 2026 · 7.64% → 7.51% ▼ 0.13 pts · high 7.64% / low 7.51% Nov 6, 20267.51%▼ from 7.64% Oct 21, 20267.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

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 S&L of McMinnville’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.22% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$679M	0.22%	5.0	A+
March 31, 2026	$679M	0.00%	5.0	A+
December 31, 2025	$669M	0.00%	5.0	A+
September 30, 2025	$668M	1.02%	5.0	A+
June 30, 2025	$659M	1.00%	5.0	A+
March 31, 2025	$668M	0.18%	5.0	A+
December 31, 2024	$644M	0.00%	5.0	A+
September 30, 2024	$639M	0.00%	5.0	A+
June 30, 2024	$641M	0.00%	5.0	A+
March 31, 2024	$626M	0.03%	5.0	A+
December 31, 2023	$630M	0.00%	5.0	A+
September 30, 2023	$624M	0.00%	5.0	A+

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 S&L of McMinnville 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 S&L of McMinnville 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 S&L of McMinnville's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name First Federal S&L of McMinnville

Website https://www.firstfedweb.com

Address 118 Ne 3rd St, Mcminnville, OR 97128 · Yamhill

FDIC Certificate # 29624

Regulator OCC

Established January 1, 1922

FDIC Insurance Date August 9, 1989

Domestic Offices 6

Total Branches 6

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.22%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.4863%

Return on Equity (ROE)

4.4700%

Non-Performing Loans Ratio (NPL)

0.02%

Total Assets

$678,693,000

Total Deposits

$578,144,000

Equity Capital

$74,183,000

Net Income

$1,643,000

Headquarters

Mcminnville

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

First Federal S&L of McMinnville earned the Verified Healthy badge

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Frequently Asked Questions About First Federal S&L of McMinnville

Does First Federal S&L of McMinnville offer CDs?

Yes. First Federal S&L of McMinnville current CD rates include its Short Term CD - 3-Month at 4.00% APY, its 1 Year Long Term CD at 3.90% APY and its Short Term CD - 6-Month at 3.90% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from First Federal S&L of McMinnville FDIC insured?

Yes. First Federal S&L of McMinnville is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First Federal S&L of McMinnville?

The highest First Federal S&L of McMinnville CD rate is its 18-Month IRA Certificate at 4.00% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does First Federal S&L of McMinnville offer?

First Federal S&L of McMinnville CD rates are 4.00% APY for a 3 month CD, 3.90% APY for a 6 month CD, 3.90% APY for a 9 month CD, 3.90% APY for a 12 month CD, 3.50% APY for an 18 month CD, 3.00% APY for a 2 year CD, 2.50% APY for a 3 year CD, 2.50% APY for a 4 year CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with First Federal S&L of McMinnville for its full lineup.

What is the highest savings rate at First Federal S&L of McMinnville?

The highest First Federal S&L of McMinnville savings rate is its Health Savings Account at 0.05% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest money market rate at First Federal S&L of McMinnville?

The highest First Federal S&L of McMinnville money market rate is its Daily Money Market at 0.15% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at First Federal S&L of McMinnville?

The highest First Federal S&L of McMinnville checking rate is its 62+ Checking at 0.01% APY, verified by MonitorBankRates as of November 6, 2026.

What is the lowest mortgage rate at First Federal S&L of McMinnville?

The lowest First Federal S&L of McMinnville mortgage rate is its Jumbo Home Loan - 15 Year at 5.875%, verified by MonitorBankRates as of November 6, 2026. First Federal S&L of McMinnville mortgage rates are 6.875% for a 30 year mortgage, 6.875% for a 29 year mortgage, 6.50% for a 20 year mortgage and 5.875% for a 15 year mortgage.

What is the lowest auto loan rate at First Federal S&L of McMinnville?

The lowest First Federal S&L of McMinnville auto loan rate is its Auto Loan - Model Years 2026-2024 - Credit Score 740 or Above at 6.34% APR, verified by MonitorBankRates as of November 6, 2026.

What is the lowest personal loan rate at First Federal S&L of McMinnville?

The lowest First Federal S&L of McMinnville personal loan rate is its Motorcycles, ATVs, Personal Watercraft - New Loan at 10.00%, verified by MonitorBankRates as of November 6, 2026.

How many branches does First Federal S&L of McMinnville operate?

First Federal S&L of McMinnville currently maintains approximately 6 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 S&L of McMinnville 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 S&L of McMinnville provides members with tools to manage their accounts and build a solid financial history.

Does First Federal S&L of McMinnville offer online and mobile banking?

Most modern institutions like First Federal S&L of McMinnville 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.firstfedweb.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do First Federal S&L of McMinnville rates compare?

First Federal S&L of McMinnville's top CD rate of 4.00% APY on an 18 month CD is 36% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. First Federal S&L of McMinnville's top rates are its 18-Months 18-Month IRA Certificate at 4.00% APY, its Health Savings Account at 0.05% APY, its Daily Money Market at 0.15% APY, its 62+ Checking at 0.01% APY, its Jumbo Home Loan - 15 Year at 5.875% and its Motorcycles, ATVs, Personal Watercraft - New Loan at 10.00% APR, verified by MonitorBankRates on November 6, 2026.

Current First Federal S&L of McMinnville Rates

12-Month CD3.90%
18-Month CD3.50%
24-Month CD2.75%
36-Month CD2.50%
48-Month CD2.50%
60-Month CD2.50%
Savings0.05%
MMA0.15%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

Citizens State Bank of Loyal First Community Bank of the Heartland First Security Bank - Sleepy Eye Kirkpatrick Bank Community Bank Lexington, TN New Valley Bank & Trust Peoples Exchange Bank Houghton State Bank Mound City Bank First State Bank of Uvalde Merrimack County SB Horizon Bank Waverly, NE Fairfax State Savings Bank Citizens Federal Savings Bank The Seymour Bank The Bank Jennings, LA First National Bank in Ord Sewickley Savings Bank First Bank Sterling, KS Wisdom Heritage Bank Park National Bank

First Federal S&L of McMinnville Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Federal S&L of McMinnville Texas Ratio

First Federal S&L of McMinnville Health Trend

First Federal S&L of McMinnville CD Rates

First Federal S&L of McMinnville Savings Rates

First Federal S&L of McMinnville Business Savings Rates

First Federal S&L of McMinnville Money Market Rates

First Federal S&L of McMinnville Checking Rates

First Federal S&L of McMinnville Mortgage Rates

First Federal S&L of McMinnville Home Equity & HELOC

First Federal S&L of McMinnville Auto Loan Rates

First Federal S&L of McMinnville RV, Boat and Powersport Loan Rates

First Federal S&L of McMinnville Personal Loan Rates

First Federal S&L of McMinnville Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

First Federal S&L of McMinnville earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Federal S&L of McMinnville

Does First Federal S&L of McMinnville offer CDs?

Are CDs from First Federal S&L of McMinnville FDIC insured?

What is the highest CD rate at First Federal S&L of McMinnville?

What CD terms does First Federal S&L of McMinnville offer?

What is the highest savings rate at First Federal S&L of McMinnville?

What is the highest money market rate at First Federal S&L of McMinnville?

What is the highest checking rate at First Federal S&L of McMinnville?

What is the lowest mortgage rate at First Federal S&L of McMinnville?

What is the lowest auto loan rate at First Federal S&L of McMinnville?

What is the lowest personal loan rate at First Federal S&L of McMinnville?

How many branches does First Federal S&L of McMinnville operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Federal S&L of McMinnville offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First Federal S&L of McMinnville rates compare?

Current First Federal S&L of McMinnville Rates

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