What are the current interest rates at First FSB Rochester, IN?

Current rates for First FSB Rochester, IN include: 12-Month CD: 3.29%, 18-Month CD: 3.44%, 24-Month CD: 3.55%, 36-Month CD: 3.55%, 48-Month CD: 3.55%, 60-Month CD: 3.55%, Savings: 0.05%

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First FSB Rochester, IN Rates and Review March 2026

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First FSB Rochester, IN Deposit Rates

First FSB Rochester, IN's 3-Month Certificates of Deposit rates are at 3.76%, 6-Month Certificates of Deposit rates are at 3.65%, 12-Month Certificates of Deposit rates are at 3.55%, 2 Year / 2 Option Certificates of Deposit rates are at 3.55%, 36-Month Certificates of Deposit rates are at 3.55%. First FSB Rochester, IN's savings rates are at 0.05%. MonitorBankRates evaluates the financial stability of First FSB Rochester, IN with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.65%. Rates were last updated on 03/04/2026.

First FSB Rochester, IN

Rate Updates and Availability

First FSB Rochester, IN 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 FSB Rochester, IN? Share your experience about First FSB Rochester, IN by leaving a review below, or read customer reviews before you decide to use First FSB Rochester, IN.

First FSB Rochester, IN Texas Ratio

First FSB Rochester, IN's Texas Ratio is at 10.65%, which is considered excellent. The Texas Ratio for First FSB Rochester, IN is higher than the national average of all banks, currently at 6.13%. 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.

MonitorBankRates Rating

5.0

Exceptional

Out of 5.0 Stars

First FSB Rochester, IN has earned a Smart Rating of 5.0 out of 5 stars. 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.

Overall, First FSB Rochester, IN is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars.

Overall Health & Safety Grade

Excellent Health

Score: 95/100

First FSB Rochester, IN has earned an overall safety grade of A. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.

Current Interest Rates

Rate

APY/APR

vs. Avg

12-Month CD

3.29%

2.38%

18-Month CD

3.44%

2.14%

24-Month CD

3.55%

2.17%

36-Month CD

3.55%

2.11%

48-Month CD

3.55%

2.10%

60-Month CD

3.55%

2.23%

Savings

0.05%

0.60%

MMA

N/A

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Rates Last Updated: 03/04/2026

First FSB Rochester, IN

301 E 9th St
Rochester, IN 46975

https://www.firstfederalbanking.com

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCEPTIONAL

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First FSB Rochester, IN CD Rates

Product	Rate	APY	Term
3 Month Certificates of Deposit	3.70%	3.76%	3
Min Deposit$500 Min Balance$500 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
6 Month Certificates of Deposit	3.60%	3.65%	6
Min Deposit$500 Min Balance$500 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
12 Month Certificates of Deposit	3.50%	3.55%	12
Min Deposit$500 Min Balance$500 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
2 Year / 2 Option Certificates of Deposit	3.50%	3.55%	2
Min Deposit$500 Min Balance$500 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
36 Month Certificates of Deposit	3.50%	3.55%	36
Min Deposit$500 Min Balance$500 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
48 Month Certificates of Deposit	3.50%	3.55%	48
Min Deposit$500 Min Balance$500 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
60 Month Certificates of Deposit	3.50%	3.55%	60
Min Deposit$500 Min Balance$500 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
18 Month Flexible Certificates of Deposit	3.40%	3.44%	18
Min Deposit$500 Min Balance$500 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
EZ Access 12 Month Certificates of Deposit	3.25%	3.29%	12
Min Deposit$5,000 Min Balance$5,000 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%

First FSB Rochester, IN Savings Rates

Product	Rate	APY
Money Market Savings Accounts	0.15%	0.15%
Min Deposit$50 Min Balance$50,000 DetailsEarns 0.15% APY on balances $50,000 + Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Money Market Savings Accounts	0.12%	0.12%
Min Deposit$50 Min Balance$25,000 DetailsEarns 0.12% APY on balances $25,000 - $49,999 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Money Market Savings Accounts	0.08%	0.08%
Min Deposit$50 Min Balance$10,000 DetailsEarns 0.08% APY on balances $10,000 -$24,999 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Money Market Savings Accounts	0.05%	0.05%
Min Deposit$50 DetailsEarns 0.05% APY on balances $0 - $2,499 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Christmas Club	0.03%	0.03%
Min Deposit$0 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Simply Business Savings	0.03%	0.03%
Min Deposit$50 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Simply Savings	0.03%	0.03%
Min Deposit$50 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%

First FSB Rochester, IN Money Market Rates

Product	Rate	APY
Money Market Savings Accounts	0.15%	0.15%
Min Deposit$50 Min Balance$50,000 DetailsEarns 0.15% APY on balances $50,000 + Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Money Market Savings Accounts	0.12%	0.12%
Min Deposit$50 Min Balance$25,000 DetailsEarns 0.12% APY on balances $25,000 - $49,999 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Money Market Savings Accounts	0.08%	0.08%
Min Deposit$50 Min Balance$10,000 DetailsEarns 0.08% APY on balances $10,000 -$24,999 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Money Market Savings Accounts	0.05%	0.05%
Min Deposit$50 DetailsEarns 0.05% APY on balances $0 - $2,499 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%

First FSB Rochester, IN Checking Rates

Product	Rate	APY
Preferred Interest Checking	0.05%	0.05%
Min Deposit$50 Min Balance$1,500 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
50+ Interest Checking	0.01%	0.01%
Min Deposit$50 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Business Interest Checking	0.01%	0.01%
Min Deposit$50 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Commercial Checking	0.01%	0.01%
Min Deposit$50 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Direct Interest Checking	0.01%	0.01%
Min Deposit$50 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Preferred Interest Checking	0.01%	0.01%
Min Deposit$50 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Simply Free Business Checking	-	0.00%
Min Deposit$50 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
Simply Free Checking	-	0.00%
Min Deposit$50 Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%

First FSB Rochester, IN Home Equity & HELOC

Product	Rate	Points	APR
HELOC (Home Equity Line of Credit)	-	-	4.99%
DetailsLimited-time offering - 4.99% APR introductory rate for 6 months then the rate will be based upon the Wall Street Journal Prime Rate + Margin; No Closing Costs or Application Fee; Use for Debt Consolidation, Future Remodel, Pay for School, Vacation, Auto or Boat Purchase, Wedding Cost, Emergencies; $75 Annual Fee waived for the 1st year; Interest-only payments on what you borrow for the first 10 years; .250 discount rate for establishing and maintaining an Automatic Payment from a First Federal Savings Bank deposit account Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%
HELOC (Home Equity Line of Credit)	-	-	7.00%
DetailsThe current non-promotional APR rate ranges from 7.00% to 9.25%. The rate floor is 5% and the maximum rate is 21%. 90% Combined Loan to Value (CLTV) for Owner Occupied and Second Home 1-unit properties with a maximum of 85% CLTV for 1st Lien Position. Property restrictions apply. Minimum credit score of 680. The minimum line request is $10,000 and the maximum is $250,000. The HELOC will have a 10-year draw period with access by check or debit card. The minimum payments are interest-only during the draw period. After the draw period ends, funds can no longer be accessed during the repayment period of 20 years. Any remaining balance is amortized over 20 years based upon the monthly variable WSJ Prime Rate Index plus Margin. Last Updated 03/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.65%

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 First FSB Rochester, IN 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 FSB Rochester, IN 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 FSB Rochester, IN's official website for the most current offers and terms.

Bank Profile & Overview

First FSB Rochester, IN

301 E 9th St
Rochester, IN 46975
Fulton
Established Date: 01/01/1965
FDIC Certificate #: 31516
Date of FDIC Deposit Insurance: 08/09/1989

Bank Holding Company: AMERICAN MW FINANCIAL CORP

How Many Domestic U.S. Offices? 6

How Many Branches are There? 6

Website: https://www.firstfederalbanking.com

Is First FSB Rochester, IN FDIC Insured? Yes

What is First FSB Rochester, IN 's Cert number? 31516

What is the maximum amount for insured deposits? $250,000 per holder, per account

Financial Health & Assets

MonitorBankRates Star Rating:

5.0 / 5.0 ★

Overall Health & Safety Grade:

A (95/100)

Texas Ratio:

10.65%

Return on Assets (ROA):

0.4621%

Return on Equity (ROE):

5.5400%

Non-Performing Loans (NPL):

0.74%

Total Assets:

$673,135,000

Total Deposits:

$535,378,000

Equity Capital:

$60,059,000

Net Income:

$5,536,000

Headquarters:

Rochester

Regulator:

OCC

# of Offices:

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About First FSB Rochester, IN

How do I open an account at First FSB Rochester, IN?

You can typically open an account at First FSB Rochester, IN by visiting a local branch or applying through their official website.

Is there a first-time homebuyer program?

Currently, First FSB Rochester, IN provides a range of mortgage and home equity products.

Is First FSB Rochester, IN a safe place to deposit money?

Yes, First FSB Rochester, IN is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor.