What are the current interest rates at First Federal S&L Newark, OH?

Current rates for First Federal S&L Newark, OH include: 12-Month CD: 3.59%, 18-Month CD: 3.75%, 24-Month CD: 3.85%, 36-Month CD: 3.94%, 48-Month CD: 3.98%, 60-Month CD: 4.00%, Savings: 0.05%, MMA: 2.27%

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First Federal S&L Newark, OH

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First Federal S&L Newark, OH Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Federal S&L Newark, OH 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: October 12, 2026

First Federal S&L Newark, OH's top rates as of October 12, 2026 are 4.15% APY on its 27-Month CD, 0.05% APY on savings, 2.27% APY on money market accounts, and 2.02% APY on checking, according to rates verified by MonitorBankRates. Other First Federal S&L Newark, OH CD rates include 19-Month CD ++ (No Penalty) at 4.10%, 13-Month CD at 4.00%, and 5 Year CD at 4.00%. MonitorBankRates evaluates the financial stability of First Federal S&L Newark, OH with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.79%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.79%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

First Federal S&L Newark, OH

2 N 2nd St
Newark, OH 43055

https://www.firstfedohio.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 Newark, OH CD Rates

Product	Rate	APY	Term
27 Month CD	4.15%	4.15%	27 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.25% → 4.15% ▲ 0.90 pts · high 4.15% / low 3.25% Oct 8, 20264.15%▲ from 3.82% Sep 24, 20263.82%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
19 Month CD ++ (No Penalty)	4.10%	4.10%	19 Month
Min Deposit $500 Min Balance $500 Details Minimum additions of $250.00 or more permitted. Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.33% → 4.10% ▲ 0.77 pts · high 4.10% / low 3.33% Oct 8, 20264.10%▲ from 3.70% Sep 24, 20263.70%▲ from 3.33% Sep 14, 20263.33%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
13 Month CD	3.95%	4.00%	13 Month
Min Deposit $5,000 Min Balance $5,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.64% → 4.00% ▲ 0.36 pts · high 4.00% / low 3.64% Oct 8, 20264.00%▲ from 3.64% Sep 14, 20263.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
5 Year CD	3.95%	4.00%	5 Year
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.35% → 4.00% ▲ 2.65 pts · high 4.00% / low 1.35% Sep 24, 20264.00%▲ from 1.35% Sep 14, 20261.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
4 Year CD	3.93%	3.98%	4 Year
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.01% → 3.98% ▲ 1.97 pts · high 3.98% / low 2.01% Sep 24, 20263.98%▲ from 2.01% Sep 14, 20262.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
44 Month CD	3.91%	3.96%	44 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.03% → 3.96% ▲ 0.93 pts · high 3.96% / low 3.03% Sep 24, 20263.96%▲ from 3.03% Sep 14, 20263.03%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
36 Month CD++	3.89%	3.94%	36 Month
Min Deposit $500 Min Balance $500 Details Minimum additions of $250.00 or more permitted. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.03% → 3.94% ▲ 0.91 pts · high 3.94% / low 3.03% Sep 24, 20263.94%▲ from 3.03% Sep 14, 20263.03%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
37 Month CD	3.89%	3.94%	37 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.03% → 3.94% ▲ 0.91 pts · high 3.94% / low 3.03% Sep 24, 20263.94%▲ from 3.03% Sep 14, 20263.03%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
30 Month CD	3.84%	3.89%	30 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.34% → 3.89% ▲ 0.55 pts · high 3.89% / low 3.34% Sep 24, 20263.89%▲ from 3.34% Sep 14, 20263.34%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
24 Month CD ++	3.80%	3.85%	24 Month
Min Deposit $500 Min Balance $500 Details Minimum additions of $250.00 or more permitted. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.18% → 3.85% ▲ 0.67 pts · high 3.85% / low 3.18% Sep 24, 20263.85%▲ from 3.18% Sep 14, 20263.18%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
31 Month CD	3.85%	3.85%	31 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.45% → 3.85% ▲ 3.40 pts · high 3.85% / low 0.45% Sep 24, 20263.85%▲ from 0.45% Sep 14, 20260.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
21 Month CD	3.77%	3.82%	21 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.44% → 3.82% ▲ 0.38 pts · high 3.82% / low 3.44% Sep 24, 20263.82%▲ from 3.44% Sep 14, 20263.44%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
18 Month Flexible IRA	3.75%	3.81%	18 Month
Min Deposit $1 Min Balance $1 Details Rate subject to change daily. A penalty may be imposed for early withdrawal. Any fees on this account may reduce the earnings on this account. Refer to your Truth in Savings Disclosure for specific account information. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.29% → 3.81% ▲ 0.52 pts · high 3.81% / low 3.29% Oct 8, 20263.81%▲ from 3.29% Sep 14, 20263.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
18 Month CD	3.75%	3.80%	18 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 3.80% ▼ 0.20 pts · high 4.00% / low 3.80% Sep 24, 20263.80%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
18 Month Fixed IRA	3.75%	3.75%	18 Month
Min Deposit $1 Min Balance $1 Details Rate subject to change daily. A penalty may be imposed for early withdrawal. Any fees on this account may reduce the earnings on this account. Refer to your Truth in Savings Disclosure for specific account information. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25% Sep 24, 20263.75%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
15 Month CD	3.65%	3.65%	15 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.65% ▲ 0.35 pts · high 3.65% / low 3.30% Sep 24, 20263.65%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
31 Month CD	3.60%	3.60%	31 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.45% → 3.60% ▲ 3.15 pts · high 3.60% / low 0.45% Sep 24, 20263.60%▲ from 0.45% Sep 14, 20260.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
12 Month CD ++	3.55%	3.59%	12 Month
Min Deposit $500 Min Balance $500 Details Minimum additions of $250.00 or more permitted. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.59% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
9 Month CD	3.45%	3.45%	9 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.45% ▼ 0.10 pts · high 3.55% / low 3.45% Sep 24, 20263.45%▼ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
15 Month CD	3.40%	3.40%	15 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.40% ▲ 0.10 pts · high 3.40% / low 3.30% Sep 24, 20263.40%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
8 Month CD (No Penalty)	3.40%	3.40%	8 Month
Min Deposit $5,000 Min Balance $5,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.40% ▲ 0.10 pts · high 3.40% / low 3.30% Sep 24, 20263.40%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
182 Day CD	3.25%	3.25%	182 Day
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
8 Month CD (No Penalty)	3.15%	3.15%	8 Month
Min Deposit $5,000 Min Balance $5,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05% Sep 24, 20263.15%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
91 Day CD (No Penalty)	2.85%	2.85%	91 Day
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%

First Federal S&L Newark, OH Savings Rates

Product	Rate	APY
Savings Club	0.05%	0.05%
Min Deposit $1 Min Balance $1 Details Rate subject to change daily. .05% APY interest is lost if you withdraw prior to the payout date. Any fees on this account may reduce the earnings on this account. Refer to your Truth in Savings disclosure for specific account information. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
First Savers	0.01%	0.01%
Min Deposit $10 Min Balance $200 Details Balance: $200 - $1,000; Rate subject to change daily. Any fees on this account may reduce the earnings on this account. Refer to your Truth in Savings disclosure for specific account information. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%

First Federal S&L Newark, OH Business Savings Rates

Product	Rate	APY	View More
Business Savers	0.01%	0.01%
Min Deposit $10 Min Balance $200 Details Earn interest on balances of $200 or more. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%

First Federal S&L Newark, OH Money Market Rates

Product	Rate	APY
Resolute Money Market	2.25%	2.27%
Min Deposit $10,000 Min Balance $10,000 Details New deposit required to open this account. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
Steadfast Money Market	1.00%	1.00%
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
MY Money Market	0.45%	0.45%
Min Deposit $5,000 Min Balance $25,000 Details The interest rate on your account is based on meeting certain relationship requirements each statement cycle. Any fees on this account may reduce the earnings on this account. Refer to the My Money Market Truth In Savings Disclosure for specific information. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
MY Money Market	0.45%	0.45%
Min Deposit $5,000 Min Balance $50,000 Details The interest rate on your account is based on meeting certain relationship requirements each statement cycle. Any fees on this account may reduce the earnings on this account. Refer to the My Money Market Truth In Savings Disclosure for specific information. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
MY Money Market	0.35%	0.35%
Min Deposit $5,000 Min Balance $5,000 Details The interest rate on your account is based on meeting certain relationship requirements each statement cycle. Any fees on this account may reduce the earnings on this account. Refer to the My Money Market Truth In Savings Disclosure for specific information. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%

First Federal S&L Newark, OH Business Money Market Rates

Product	Rate	APY
My Business Money Market	0.45%	0.45%
Min Deposit $5,000 Min Balance $25,000 Details The interest rate on your account is based on meeting certain relationship requirements each statement cycle. Refer to the My Money Market Truth In Savings Disclosure for specific information. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
My Business Money Market	0.45%	0.45%
Min Deposit $5,000 Min Balance $50,000 Details The interest rate on your account is based on meeting certain relationship requirements each statement cycle. Refer to the My Money Market Truth In Savings Disclosure for specific information. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%
My Business Money Market	0.35%	0.35%
Min Deposit $5,000 Min Balance $5,000 Details The interest rate on your account is based on meeting certain relationship requirements each statement cycle. Refer to the My Money Market Truth In Savings Disclosure for specific information. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%

First Federal S&L Newark, OH Checking Rates

Product	Rate	APY	View More
WePayU Checking	2.00%	2.02%
Min Deposit $25 Min Balance $1 Details Qualifications Required: 12 or more debit card transactions posted to the account each statement cycle; Activating e-statement enrollment; One or more direct deposits in this account each statement cycle; The 2.02% APY is paid on balances up to $9,999.99. Account balances beyond that are paid at .01% APY. Rate effective 9/19/2025. Rate subject to change daily. The WePayU service charge is $12 per month. First Federal will waive the monthly service charge when you meet any of the following: 1) Maintain a $500 average balance in your account. 2) Maintain a minimum balance of $5000 in any First Federal savings account. 3) Have a loan with us. Any fees on this account may reduce the earnings on this account. Refer to your WePayU Truth In Savings Disclosure for specific information. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%

First Federal S&L Newark, OH Business Checking Rates

Product	Rate	APY	View More
Small Business Checking (If qualified with interest)	0.01%	0.01%
Min Deposit $1,000 Min Balance $25 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.79%

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 Newark, OH’s Texas Ratio rose from 4.25% in Q3 2023 to 6.79% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ 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	$294M	6.79%	5.0	A
March 31, 2026	$295M	6.09%	5.0	A
December 31, 2025	$295M	5.60%	5.0	A+
September 30, 2025	$294M	4.24%	5.0	A+
June 30, 2025	$293M	4.39%	5.0	A+
March 31, 2025	$291M	3.44%	5.0	A+
December 31, 2024	$293M	3.52%	5.0	A+
September 30, 2024	$287M	4.41%	5.0	A+
June 30, 2024	$281M	3.43%	5.0	A+
March 31, 2024	$273M	3.09%	5.0	A+
December 31, 2023	$269M	3.59%	5.0	A+
September 30, 2023	$266M	4.25%	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 Newark, OH 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 Newark, OH 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 Newark, OH's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Federal S&L Newark, OH

FDIC Certificate # 29090

Address 2 N 2nd St, Newark, OH 43055 · Licking

Website https://www.firstfedohio.com

Established 19340801

FDIC Insurance Date 19890809

Domestic Offices 6

Total Branches 6

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.79%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5044%

Return on Equity (ROE) 3.7700%

Non-Performing Loans (NPL) 0.92%

Total Assets $293,519,000

Total Deposits $250,724,000

Equity Capital $39,811,000

Net Income $743,000

Headquarters Newark

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First Federal S&L Newark, OH earned the Verified Healthy badge

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Frequently Asked Questions About First Federal S&L Newark, OH

How many branches does First Federal S&L Newark, OH operate?

First Federal S&L Newark, OH 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 Newark, OH 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 Newark, OH provides members with tools to manage their accounts and build a solid financial history.

Does First Federal S&L Newark, OH offer online and mobile banking?

Most modern institutions like First Federal S&L Newark, OH 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.firstfedohio.com.