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

First Federal S&L Newark, OH's 27-Month CD* rates are at 3.50%, 182 Day CD rates are at 3.40%, 13-Month CD rates are at 3.39%, 30-Month CD rates are at 3.34%, 15-Month CD* rates are at 3.30%. First Federal S&L Newark, OH's savings rates are at 0.05%. 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 4.25%. Rates were last updated on 04/24/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.25%
Excellent Lower than avg
First Federal S&L Newark, OH
2 N 2nd St
Newark, OH 43055
https://www.firstfedohio.com
Member FDIC

First Federal S&L Newark, OH CD Rates

Product Rate APY Term View More
27 Month CD* - 3.50%
Min Deposit $500
Min Balance $500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
182 Day CD - 3.40%
Min Deposit $500
Min Balance $500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
13 Month CD - 3.39%
Min Deposit $5,000
Min Balance $5,000
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
30 Month CD - 3.34%
Min Deposit $500
Min Balance $500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
15 Month CD* - 3.30%
Min Deposit $500
Min Balance $500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
8 Month CD* (No Penalty) - 3.30%
Min Deposit $5,000
Min Balance $5,000
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
18 Month CD - 3.28%
Min Deposit $500
Min Balance $500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
9 Month CD* - 3.25%
Min Deposit $500
Min Balance $500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
12 Month CD ++ - 3.18%
Min Deposit $500
Min Balance $500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
24 Month CD ++ - 3.18%
Min Deposit $500
Min Balance $500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
21 Month CD - 3.13%
Min Deposit $500
Min Balance $500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
15 Month CD** - 3.05%
Min Deposit $500
Min Balance $500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
8 Month CD** (No Penalty) - 3.05%
Min Deposit $5,000
Min Balance $5,000
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
36 Month CD++ - 3.03%
Min Deposit $500
Min Balance $500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
37 Month CD - 3.03%
Min Deposit $500
Min Balance $500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
44 Month CD - 3.03%
Min Deposit $500
Min Balance $500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
19 Month CD*++ (No Penalty) - 3.00%
Min Deposit $500
Min Balance $500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
91 Day CD (No Penalty) - 3.00%
Min Deposit $500
Min Balance $500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
4 Year CD - 2.01%
Min Deposit $500
Min Balance $500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
5 Year CD - 1.35%
Min Deposit $500
Min Balance $500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
31 Month CD* - 0.45%
Min Deposit $500
Min Balance $500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
31 Month CD** - 0.20%
Min Deposit $500
Min Balance $500
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%

First Federal S&L Newark, OH Savings Rates

Product Rate APY View More
Savings Club - 0.05%
Min Deposit $1
Min Balance $1
Details 0.05% APY interest is lost if you withdraw prior to the payout date.
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%
First Savers - 0.01%
Min Deposit $10
Min Balance $200
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%

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 The 2.02% APY is paid on balances up to $9,999.99. Account balances beyond that are paid at .01% APY. 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.
Last Updated 04/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.25%

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
Established 08/01/1934
FDIC Insurance Date 08/09/1989
Domestic Offices 6
Total Branches 6
Regulator OCC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 98/100
5.0
Exceptional Out of 5.0 Stars
4.25%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.2420%
Return on Equity (ROE) 1.7400%
Non-Performing Loans (NPL) 0.52%
Total Assets $295,454,000
Total Deposits $254,756,000
Equity Capital $39,032,000
Net Income $1,009,000
Headquarters Newark
Total Offices 6
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

LVes
★★★★★
December 17, 2025
CYug
Average Rating
★★★★★
Total Reviews
1
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Frequently Asked Questions About First Federal S&L Newark, OH

Is First Federal S&L Newark, OH a safe place to deposit money?

Yes, First Federal S&L Newark, OH is considered a safe financial institution. With a Texas Ratio of 4.2473297730307%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

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.

Current First Federal S&L Newark, OH Rates

  • 12-Month CD3.18%
  • 18-Month CD3.00%
  • 24-Month CD3.18%
  • 36-Month CD3.03%
  • 48-Month CD2.01%
  • 60-Month CD1.35%
  • Savings0.05%
Retrieved from our database of financial products. Rates subject to change.