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First Fed Bank Rates & Review November 2026

Q: What are the current interest rates at First Fed Bank?

Current rates for First Fed Bank include: 12-Month CD: 2.50%, 18-Month CD: 2.75%, 24-Month CD: 2.25%, 36-Month CD: 2.25%, 48-Month CD: 1.90%, 60-Month CD: 1.90%, Savings: 2.25%, MMA: 3.45%

Q: What CD terms does First Fed Bank offer?

First Fed Bank CD rates are 2.25% APY for a 3 month CD, 3.85% APY for a 7 month CD, 2.50% APY for a 12 month CD, 4.20% APY for a 13 month CD, 2.75% APY for an 18 month CD, 2.25% APY for a 2 year CD, 2.25% APY for a 3 year CD, 1.90% APY for a 4 year CD and 1.90% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with First Fed Bank for its full lineup.

Q: How many branches does First Fed Bank operate?

First Fed Bank currently maintains approximately 14 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

First Fed Bank's CD Promos - 13-Month rates are at 4.20%, CD Promos - 7-Month rates are at 3.85%, 1 Year Fixed CD rates are at 2.50%, 2 Year Fixed CD rates are at 2.25%, 3-Month Fixed CD rates are at 2.25%. First Fed Bank's savings rates are at 2.25%. First Fed Bank's money market rates are at 3.45%. First Fed Bank's checking rates are as high as 5.00%. First Fed Bank's 15-year Fixed Rate Purchase rates are at 6.75%, VA Home Loan Rate & Term Refi - 30-year Fixed Rate VA Refinance rates are at 6.75%, 15-year Fixed Rate Refinance rates are at 6.75%, VA Home Loan: Purchase - 30-year VA Purchase rates are at 6.75%, VA Home Loan: Cash-out Refi - 30-year Fixed Rate Cash-out VA Refinance rates are at 6.75%. First Fed Bank's top CD rate of 4.20% APY on a 13 month CD is 39% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of First Fed Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.33%. Rates last updated and verified on 11/05/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.33%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

First Fed Bank

105 W 8th St
Port Angeles, WA 98362

https://www.ourfirstfed.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 Fed Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
CD Promos - 13-month	4.11%	4.20%	13 months	$10,000
Min Deposit $10,000 Details Penalties may be imposed for early withdrawal. Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 2, 20264.20%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
CD Promos - 7-month	3.78%	3.85%	7 months	$5,000
Min Deposit $5,000 Details Penalties may be imposed for early withdrawal. Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60% Oct 2, 20263.85%▲ from 3.60% Sep 18, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Traditional and Roth IRA CDs - 12-month	3.58%	3.64%	12 months	$500
Min Deposit $500 Details Open in a branch or by phone Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.64% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Jumbo CD - 12-month	2.96%	3.00%	12 Months	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 to $249,999.99; Method of Compounding: Daily Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Jumbo CD - 12-month	2.96%	3.00%	12 Months	$100,000
Min Deposit $100,000 Min Balance $250,000 Details Balance: $250,000+; Method of Compounding: Daily Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Traditional and Roth IRA CDs - 36-month	2.86%	2.90%	36 months	$500
Min Deposit $500 Details Open in a branch or by phone Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.90% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Jumbo CD - 18-month	2.71%	2.75%	18 Months	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 to $249,999.99; Method of Compounding: Daily Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Jumbo CD - 18-month	2.71%	2.75%	18 Months	$100,000
Min Deposit $100,000 Min Balance $250,000 Details Balance: $250,000+; Method of Compounding: Daily Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Jumbo CD - 6-month	2.71%	2.75%	6 Months	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 to $249,999.99; Method of Compounding: Daily Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Jumbo CD - 6-month	2.71%	2.75%	6 Months	$100,000
Min Deposit $100,000 Min Balance $250,000 Details Balance: $250,000+; Method of Compounding: Daily Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Traditional and Roth IRA CDs - 60-month	2.51%	2.54%	60 months	$500
Min Deposit $500 Details Open in a branch or by phone Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.54% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
1-Year Fixed CD	2.47%	2.50%	1 Year	$100
Min Deposit $100 Details Compounding: Daily Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
2-Year Fixed CD	2.23%	2.25%	2 Years	$100
Min Deposit $100 Details Compounding: Daily Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
3-Month Fixed CD	2.23%	2.25%	3 Months	$100
Min Deposit $100 Details Compounding: Daily Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
3-Year Fixed CD	2.23%	2.25%	3 Years	$100
Min Deposit $100 Details Compounding: Daily Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
6-Month Fixed CD	2.23%	2.25%	6 Months	$100
Min Deposit $100 Details Compounding: Daily Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
4-Year Fixed CD	1.89%	1.90%	4 Years	$100
Min Deposit $100 Details Compounding: Daily Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
5-Year Fixed CD	1.89%	1.90%	5 Years	$100
Min Deposit $100 Details Compounding: Daily Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
9-Month CD	0.25%	0.25%	9 Months	$25
Min Deposit $25 Min Balance $25 Details Method of Compounding: Daily Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
46 Day Fixed CD	0.05%	0.05%	46 Days	$100
Min Deposit $100 Details Compounding: Daily Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%

First Fed Bank Savings Rates

Product	Rate	APY
First Savings	2.23%	2.25%
Min Deposit $1 Details Method of Compounding: Daily Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Alpine Savings	1.93%	1.95%
Min Balance $250,000 Details Balance: $250,000 and above; Compounding: Daily; Minimum balance to earn APY $250,000; Footnote: minimum deposit to open is $100,000 of new money; early closing fee $15 if closed within 90 days Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Alpine Savings	1.88%	1.90%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Compounding: Daily; Minimum balance to earn APY $100,000; Footnote: minimum deposit to open is $100,000 of new money; early closing fee $15 if closed within 90 days Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Alpine Savings	0.03%	0.03%
Min Balance $0 Details Balance: $0 - $99,999.99; Compounding: Daily; Minimum balance to earn APY $0; Footnote: minimum deposit to open is $100,000 of new money; early closing fee $15 if closed within 90 days Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Holiday Club	0.03%	0.03%
Min Deposit $25 Details Method of Compounding: Daily Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Summit Savings	0.03%	0.03%
Min Deposit $100 Details Method of Compounding: Daily Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%

First Fed Bank Business Savings Rates

Product	Rate	APY
Premium Business Savings	1.98%	2.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Method of Compounding: Daily; Minimum deposit to open is $100,000 of new money Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Premium Business Savings	1.98%	2.00%
Min Balance $250,000 Details Balance: $250,000 and above; Method of Compounding: Daily; Minimum deposit to open is $100,000 of new money Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Business Savings	0.03%	0.03%
Min Deposit $100 Min Balance $0 Details Balance: Any; Compounding: Daily; $100 minimum deposit to open Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Premium Business Savings	0.03%	0.03%
Min Balance $0 Details Balance: $0 - $99,999.99; Method of Compounding: Daily Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 13 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%

First Fed Bank Money Market Rates

Product	Rate	APY
Spruce Money Market	0.30%	0.30%
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000.00 or more; Compounding: Daily; Minimum opening deposit of $10,000.00; Early closing fee of $15 if closed within 90 days Last Updated 11/05/2026 Rate History No change since Oct 1, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Spruce Money Market	0.20%	0.20%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.00; Compounding: Daily; Minimum opening deposit of $10,000.00; Early closing fee of $15 if closed within 90 days Last Updated 11/05/2026 Rate History No change since Oct 1, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
First Rate Money Market	0.15%	0.15%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 or more; Compounding: Daily; Minimum opening deposit of $1,000.00; Early closing fee of $15 if closed within 90 days Last Updated 11/05/2026 Rate History No change since Oct 1, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Spruce Money Market	0.15%	0.15%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Compounding: Daily; Minimum opening deposit of $10,000.00; Early closing fee of $15 if closed within 90 days Last Updated 11/05/2026 Rate History No change since Oct 1, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
First Rate Money Market	0.10%	0.10%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Compounding: Daily; Minimum opening deposit of $1,000.00; Early closing fee of $15 if closed within 90 days Last Updated 11/05/2026 Rate History No change since Oct 1, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Spruce Money Market	0.10%	0.10%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000-$99,999.99; Compounding: Daily; Minimum opening deposit of $10,000.00; Early closing fee of $15 if closed within 90 days Last Updated 11/05/2026 Rate History No change since Oct 1, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
First Rate Money Market	0.05%	0.05%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Compounding: Daily; Minimum opening deposit of $1,000.00; Early closing fee of $15 if closed within 90 days Last Updated 11/05/2026 Rate History No change since Oct 1, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
First Rate Money Market	0.01%	0.01%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00 - $999.99; Compounding: Daily; Minimum opening deposit of $1,000.00; Early closing fee of $15 if closed within 90 days Last Updated 11/05/2026 Rate History No change since Oct 1, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Spruce Money Market	0.01%	0.01%
Min Deposit $10,000 Min Balance $0 Details Balance: $0-$9,999.99; Compounding: Daily; Minimum deposit to earn APY $1; Minimum opening deposit of $10,000.00; Early closing fee of $15 if closed within 90 days Last Updated 11/05/2026 Rate History No change since Oct 1, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%

First Fed Bank Business Money Market Rates

Product	Rate	APY
Madrona Business Money Market	3.39%	3.45%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000 and up; Compounding: Daily; APY is based on a balance of $100,000; $15 closing fee if closed in the first 90 days Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 3.45% ▲ 0.70 pts · high 3.45% / low 2.75% Oct 20, 20263.45%▲ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Madrona Business Money Market	3.34%	3.40%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Compounding: Daily; APY is based on a balance of $100,000; $15 closing fee if closed in the first 90 days Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.70% → 3.40% ▲ 0.70 pts · high 3.40% / low 2.70% Oct 20, 20263.40%▲ from 2.70% Sep 18, 20262.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Madrona Business Money Market	0.25%	0.25%
Min Deposit $10,000 Min Balance $1 Details Balance: $0 - $99,999.99; Compounding: Daily; APY is based on a balance of $100,000; $15 closing fee if closed in the first 90 days Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%

First Fed Bank Checking Rates

Product	Rate	APY
Rewards Checking	5.00%	5.00%
Min Deposit $25 Details Qualifications Required; Balance: qualifying balances less than $10,000; Interest Type: Simple Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 0.10% → 5.00% ▲ 4.90 pts · high 5.00% / low 0.10% Oct 14, 20265.00%▲ from 0.10% Sep 18, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Cascade Checking	0.02%	0.02%
Min Deposit $100,000 Details Balance: $100,000.00 or more; Method of Compounding: Daily Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Cascade Checking	0.01%	0.01%
Min Deposit $1,000 Details Balance: $1,000.00 - $49,999.99; Method of Compounding: Daily Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Cascade Checking	0.01%	0.01%
Min Deposit $50,000 Details Balance: $50,000.00 - $99,999.00; Method of Compounding: Daily Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Cascade Checking	0.00%	0.00%
Min Deposit $0 Details Balance: Up to $1,000.00; Method of Compounding: Daily Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%

First Fed Bank Mortgage Rates

Product	Rate	Points	APR	Term
15-year Fixed Rate Purchase	6.75%	0.000	6.858%	15-year
Details Conforming purchase loan; primary residence, single family home, 25% down payment, credit score 780; Interest Rates Effective: 10/29/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 6.98% → 6.86% ▼ 0.13 pts · high 6.98% / low 6.86% Oct 31, 20266.86%▼ from 6.98% Sep 27, 20266.98%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
VA Home Loan Rate & Term Refi - 30-year Fixed Rate VA Refinance	6.75%	0.250	6.885%	30-year
Details Effective 10/29/2026; primary residence single family home with 0% equity and borrower credit score of 780; Ex Loan Amount $500,000.00; Ex Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 6.89% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
15-year Fixed Rate Refinance	6.75%	0.250	6.898%	15 years
Details Refinance: Rate-and-Term; Interest Rates Effective: 10/29/2026; primary residence, single family home, 25% equity, credit score 780; example loan $450,000.00, example Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 7.02% → 6.90% ▼ 0.13 pts · high 7.02% / low 6.90% Oct 26, 20266.90%▼ from 7.02% Sep 27, 20267.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
VA Home Loan: Purchase - 30-year VA Purchase	6.75%	0.125	7.027%	30-year
Details Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. Effective 10/29/2026. Example loan amount $510,750.00. Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.03% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
VA Home Loan: Cash-out Refi - 30-year Fixed Rate Cash-out VA Refinance	6.75%	0.250	7.043%	30-year
Details Ex: Loan Amount $459,675.00; Ex:; Rates listed are for primary residence in single family home with 10% equity and borrower credit score of 780; Example monthly payments include principal, interest and financing of the VA Funding Fee Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.04% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
30-year Fixed Rate Purchase	6.99%	0.375	7.095%	30-year
Details Conforming purchase loan; primary residence, single family home, 25% down payment, credit score 780; Interest Rates Effective: 10/29/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.10% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
15-year Fixed Rate MH Purchase	6.99%	0.000	7.113%	15 years
Details Manufactured Homes: Purchase; Effective 10/29/2026; Primary residence in manufactured home with 25% down payment and 780 credit score; Example loan amount $375,000.00; Example Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.11% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Manufactured Homes Rate-and-Term Refinance - 15-year Fixed Rate MH Refinance	7.00%	0.125	7.143%	15-year
Details Ex: Loan Amount $375,000.00; Ex:; Primary residence in manufactured home with 25% equity and borrower credit score of 780; Effective 10/29/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.14% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Jumbo Purchase - 30-year Fixed Rate	7.125%	0.000	7.187%	30-year
Details Effective 10/29/2026; Primary residence, single family home of $1,200,000 with 25% down payment and 780 credit score; Example loan amount $900,000.00; Example Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Purchase 5/1 Adjustable Rate Mortgage (ARM)	6.625%	0.000	7.209%
Details Interest rate: 6.625% first 5 years; then 1 year CMT + 3.00 adjusted annually for years 6-30; Ex. loan amount $450,000.00; Ex. monthly payment 7 years $2,881.40; Ex. monthly payment 23 years $4,499.28 maximum P&I payment over the remaining 25 years; Effective 10/15/2026; primary residence, single family, 25% down, credit score 780; rate caps 1% initial, 2% subsequent, 5% lifetime Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 7.26% → 7.21% ▼ 0.05 pts · high 7.26% / low 7.21% Oct 20, 20267.21%▼ from 7.26% Oct 14, 20267.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
30-year Fixed Rate MH Purchase	7.125%	0.250	7.227%	30 years
Details Manufactured Homes: Purchase; Effective 10/29/2026; Primary residence in manufactured home with 25% down payment and 780 credit score; Example loan amount $375,000.00; Example Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 7.35% → 7.23% ▼ 0.13 pts · high 7.35% / low 7.23% Oct 31, 20267.23%▼ from 7.35% Sep 27, 20267.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Purchase 7/1 Adjustable Rate Mortgage (ARM)	6.875%	0.000	7.237%
Details Rate: 6.875% first 7 years; then 1 year CMT + 3.00 adjusted annually for years 8-30; Example loan $450,000.00; Example; $4,585.50 maximum P&I payment over remaining 23 years; Rates effective 10/15/2026; primary residence, single family home, 25% down, credit score 780; initial 7-year fixed P&I; interest rate caps over start rate 5% initial, 2% subsequent, 5% lifetime Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 7.30% → 7.24% ▼ 0.07 pts · high 7.30% / low 7.24% Oct 20, 20267.24%▼ from 7.30% Oct 14, 20267.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
30-year Fixed Rate Refinance	7.25%	0.000	7.32%	30 years
Details Refinance: Rate-and-Term; Interest Rates Effective: 10/29/2026; primary residence, single family home, 25% equity, credit score 780; example loan $450,000.00, example Last Updated 11/05/2026 Rate History 3 changes since Sep 15, 2026 · 7.06% → 7.32% ▲ 0.26 pts · high 7.57% / low 7.06% Oct 31, 20267.32%▼ from 7.57% Oct 2, 20267.57%▲ from 7.19% Sep 18, 20267.19%▲ from 7.06% Sep 15, 20267.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
30-year Fixed Rate Jumbo Cash-out Refinance	7.25%	0.125	7.326%	30-year
Details Example loan amount: $910,000.00 includes $250,000 cash out; Example; Rates effective 10/29/2026; primary residence, single family home, 35% equity, borrower credit score 780 Last Updated 11/05/2026 Rate History 1 change since Oct 1, 2026 · 7.45% → 7.33% ▼ 0.13 pts · high 7.45% / low 7.33% Oct 31, 20267.33%▼ from 7.45% Oct 1, 20267.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Manufactured Home Cash-out Refi - 15-year Fixed Rate	7.125%	0.500	7.342%	15-year
Details Primary residence, single family home, 35% equity, borrower credit score of 780; example loan amount $325,000.00; example; Interest Rates Effective 10/29/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Jumbo Purchase - 15-year Fixed Rate	7.25%	0.000	7.352%	15-year
Details Effective 10/29/2026; Primary residence, single family home of $1,200,000 with 25% down payment and 780 credit score; Example loan amount $900,000.00; Example Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Manufactured Homes Rate-and-Term Refinance - 30-year Fixed Rate MH Refinance	7.25%	0.250	7.353%	30-year
Details Ex: Loan Amount $375,000.00; Ex:; Primary residence in manufactured home with 25% equity and borrower credit score of 780; Effective 10/29/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Jumbo Rate-and-Term Refi - 30-year Fixed Rate Jumbo Refinance	7.375%	0.125	7.452%	30-year
Details Ex: Loan Amount $900,000.00; Ex:; Primary residence, single family home, 25% equity, credit score 780; Effective 10/29/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
30-year Fixed Cash-out Refinance	7.375%	0.250	7.471%	30-year
Details Example loan amount: $450,000 includes $150,000 cash out; example; Rates effective 10/29/2026; primary residence, single family home, 25% equity, credit score 780 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.47% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
15-year Fixed Rate Jumbo Cash-out Refinance	7.375%	0.000	7.478%	15-year
Details Example loan amount: $910,000.00 Includes $250,000 Cash Out; Example; Rates effective 10/29/2026; primary residence, single family home, 35% equity, borrower credit score 780 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.48% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Manufactured Home Cash-out Refi - 30-year Fixed Rate	7.375%	0.125	7.503%	30-year
Details Primary residence, single family home, 35% equity, borrower credit score of 780; example loan amount $325,000.00; example; Interest Rates Effective 10/29/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Jumbo Rate-and-Term Refi - 15-year Fixed Rate Jumbo Refinance	7.50%	0.000	7.604%	15-year
Details Ex: Loan Amount $900,000.00; Ex:; Primary residence, single family home, 25% equity, credit score 780; Effective 10/29/2026 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
15-year Fixed Cash-out Refinance	7.50%	0.125	7.636%	15-year
Details Example loan amount: $450,000 includes $150,000 cash out; example; Rates effective 10/29/2026; primary residence, single family home, 25% equity, credit score 780 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.64% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Land Loans - 20 Year Fixed Rate Land Purchase (20yr / 5yr balloon)	8.75%	0.000	9.223%	20 years
Details Loan Amount Example: $140,000.00; Example; Rates listed are for an improved land purchase with a 30% down payment and borrower credit score of 780; After first 5 years, remaining balance is a balloon payment of $125,026.00 Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 9.10% → 9.22% ▲ 0.13 pts · high 9.22% / low 9.10% Oct 26, 20269.22%▲ from 9.10% Oct 20, 20269.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%

First Fed Bank Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loan - 15-year Fixed Rate Home Loan	-	-	7.875%	15-year
Details Closing costs: Paid by Customer; Example loan amount $100,000; Example; Effective 11/2/2026; Example based on primary residence, credit score 720, Combined LTV 70%, second lien, max 80% LTV Last Updated 11/05/2026 Rate History 4 changes since Sep 15, 2026 · 7.38% → 7.88% ▲ 0.50 pts · high 8.13% / low 7.38% Nov 5, 20267.88%▼ from 8.13% Oct 7, 20268.13%▲ from 7.75% Sep 27, 20267.75%▲ from 7.50% Sep 18, 20267.50%▲ from 7.38% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%

First Fed Bank Other Rates

Product	Rate	Points	APY/APR	Term
USDA Home Loan: Purchase - 30-year USDA Fixed Rate Purchase	6.50%	0.250	7.038%	30-year
Details Effective 10/29/2026; primary residence, single family home, 0% down payment, borrower credit score 780; Example loan amount $505,050.00; Example; USDA guarantee fee 1% upfront plus 0.35% annual fee Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.04% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Coverdell	0.03%	-	0.03%
Min Balance $0 Details Balance: $0 to $4,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Coverdell	0.03%	-	0.03%
Min Balance $5,000 Details Balance: $5,000 to $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Coverdell	0.08%	-	0.08%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Coverdell	0.08%	-	0.08%
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Roth	0.03%	-	0.03%
Min Balance $0 Details Balance: $0 to $4,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Roth	0.03%	-	0.03%
Min Balance $5,000 Details Balance: $5,000 to $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Roth	0.08%	-	0.08%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Roth	0.08%	-	0.08%
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
VIP	0.03%	-	0.03%
Min Balance $0 Details Balance: $0 to $4,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
VIP	0.03%	-	0.03%
Min Balance $5,000 Details Balance: $5,000 to $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
VIP	0.08%	-	0.08%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
VIP	0.08%	-	0.08%
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%

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.

Financial Health History

First Fed Bank’s Texas Ratio rose from 1.40% in Q3 2023 to 12.33% 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	$2.1B	12.33%	5.0	A
March 31, 2026	$2.1B	12.89%	5.0	A
December 31, 2025	$2.1B	13.36%	5.0	A
September 30, 2025	$2.1B	8.36%	5.0	A
June 30, 2025	$2.2B	12.58%	5.0	A
March 31, 2025	$2.2B	11.93%	5.0	A
December 31, 2024	$2.2B	17.06%	4.8	B+
September 30, 2024	$2.2B	16.61%	4.9	A-
June 30, 2024	$2.2B	18.01%	4.8	B+
March 31, 2024	$2.2B	15.54%	5.0	A-
December 31, 2023	$2.2B	10.35%	5.0	A
September 30, 2023	$2.1B	1.40%	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 Fed Bank 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 Fed Bank 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 Fed Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name First Fed Bank

Website https://www.ourfirstfed.com

Address 105 W 8th St, Port Angeles, WA 98362 · Clallam

Bank Holding Company FIRST NORTHWEST BCORP

FDIC Certificate # 28405

Regulator FDIC

Established January 1, 1923

FDIC Insurance Date August 9, 1989

Domestic Offices 14

Total Branches 14

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.33%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.1960%

Return on Equity (ROE)

2.2900%

Non-Performing Loans Ratio (NPL)

0.98%

Total Assets

$2,106,581,000

Total Deposits

$1,614,303,000

Equity Capital

$180,916,000

Net Income

$2,062,000

Headquarters

Port Angeles

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

First Fed Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About First Fed Bank

Does First Fed Bank offer CDs?

Yes. First Fed Bank current CD rates include its CD Promos - 13-Month at 4.20% APY, its CD Promos - 7-Month at 3.85% APY and its 1 Year Fixed CD at 2.50% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from First Fed Bank FDIC insured?

Yes. First Fed Bank 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 Fed Bank?

The highest First Fed Bank CD rate is its CD Promos - 13-Month at 4.20% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does First Fed Bank offer?

First Fed Bank CD rates are 2.25% APY for a 3 month CD, 3.85% APY for a 7 month CD, 2.50% APY for a 12 month CD, 4.20% APY for a 13 month CD, 2.75% APY for an 18 month CD, 2.25% APY for a 2 year CD, 2.25% APY for a 3 year CD, 1.90% APY for a 4 year CD and 1.90% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with First Fed Bank for its full lineup.

What is the highest savings rate at First Fed Bank?

The highest First Fed Bank savings rate is its First Savings at 2.25% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at First Fed Bank?

The highest First Fed Bank money market rate is its Madrona Business Money Market at 3.45% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at First Fed Bank?

The highest First Fed Bank checking rate is its Rewards Checking at 5.00% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at First Fed Bank?

The lowest First Fed Bank 30 year fixed mortgage rate is its VA Home Loan Rate & Term Refi - 30-year Fixed Rate VA Refinance at 6.75%, verified by MonitorBankRates as of November 5, 2026. First Fed Bank mortgage rates are 6.99% for a 30 year mortgage, 8.75% for a 20 year mortgage and 6.75% for a 15 year mortgage.

How many branches does First Fed Bank operate?

First Fed Bank currently maintains approximately 14 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 Fed Bank 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 Fed Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Fed Bank offer online and mobile banking?

Most modern institutions like First Fed Bank 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.ourfirstfed.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 Fed Bank rates compare?

First Fed Bank's top CD rate of 4.20% APY on a 13 month CD is 39% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A health rating. First Fed Bank's top rates are its 13-Months CD Promos - 13-Month at 4.20% APY, its First Savings at 2.25% APY, its Madrona Business Money Market at 3.45% APY, its Rewards Checking at 5.00% APY and its Purchase 5/1 Adjustable Rate Mortgage (ARM) at 6.625%, verified by MonitorBankRates on November 5, 2026.

Current First Fed Bank Rates

12-Month CD2.50%
18-Month CD2.75%
24-Month CD2.25%
36-Month CD2.25%
48-Month CD1.90%
60-Month CD1.90%
Savings2.25%
MMA3.45%

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

First Fed Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Fed Bank Texas Ratio

First Fed Bank Health Trend

First Fed Bank CD Rates

First Fed Bank Savings Rates

First Fed Bank Business Savings Rates

First Fed Bank Money Market Rates

First Fed Bank Business Money Market Rates

First Fed Bank Checking Rates

First Fed Bank Mortgage Rates

First Fed Bank Home Equity & HELOC

First Fed Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

First Fed Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Fed Bank

Does First Fed Bank offer CDs?

Are CDs from First Fed Bank FDIC insured?

What is the highest CD rate at First Fed Bank?

What CD terms does First Fed Bank offer?

What is the highest savings rate at First Fed Bank?

What is the highest money market rate at First Fed Bank?

What is the highest checking rate at First Fed Bank?

What is the lowest 30 year fixed mortgage rate at First Fed Bank?

How many branches does First Fed Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Fed Bank 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 Fed Bank rates compare?

Current First Fed Bank Rates

Compare to Other Banks