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First Fed Bank Rates & Review April 2026

First Fed Bank's 13-Months 13-Month CD Promos rates are at 3.65%, 12-Months Traditional and Roth IRA CDs 12-Month rates are at 3.64%, 7-Months 7-Month CD Promos rates are at 3.60%, 12-Months Jumbo CDs 12-Month rates are at 3.00%, 36-Months Traditional and Roth IRA CDs 36-Month rates are at 2.90%. First Fed Bank's savings rates are at 0.03%. First Fed Bank's money market rates are at 0.01%. First Fed Bank's 15-year Fixed Rate Purchase rates are at 5.88%, 15-year Fixed Rate Refinance rates are at 5.88%, 30-year Fixed Rate VA Refinance rates are at 5.99%, 15-year Fixed Rate MH Purchase rates are at 6.12%, 30-year VA Purchase rates are at 5.99%. 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 1.40%. Rates were last updated on 03/28/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.40%
Excellent Lower than avg
First Fed Bank
105 W 8th St
Port Angeles, WA 98362
https://www.ourfirstfed.com
Member FDIC

First Fed Bank CD Rates

Product Rate APY Term View More
13 month CD Promos 3.59% 3.65% 13 months
Min Deposit $10,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Traditional and Roth IRA CDs 12 month 3.58% 3.64% 12 months
Min Deposit $500
Details Open in a branch or by phone
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
7 month CD Promos 3.54% 3.60% 7 months
Min Deposit $5,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Jumbo CDs 12 month 2.96% 3.00% 12 Months
Min Deposit $100,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Traditional and Roth IRA CDs 36 month 2.86% 2.90% 36 months
Min Deposit $500
Details Open in a branch or by phone
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Jumbo CDs 18 month 2.71% 2.75% 18 Months
Min Deposit $100,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Jumbo CDs 6 month 2.71% 2.75% 6 Months
Min Deposit $100,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Traditional and Roth IRA CDs 60 month 2.51% 2.54% 60 months
Min Deposit $500
Details Open in a branch or by phone
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Variable Rate CD 9 month 0.25% 0.25% 9 Months
Min Deposit $25
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%

First Fed Bank Savings Rates

Product Rate APY View More
Rewards Savings - 3.35%
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
First Savings 2.23% 2.25%
Min Deposit $1
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Premium Business Savings 1.98% 2.00%
Min Balance $100,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Alpine Savings 1.93% 1.95%
Min Balance $250,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Alpine Savings 1.88% 1.90%
Min Balance $100,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Rewards Savings 0.05% 0.05%
Min Deposit $25
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Alpine Savings 0.03% 0.03%
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Business Savings 0.03% 0.03%
Min Deposit $0
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Holiday Club 0.03% 0.03%
Min Deposit $25
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Premium Business Savings 0.03% 0.03%
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Summit Savings 0.03% 0.03%
Min Deposit $100
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%

First Fed Bank Money Market Rates

Product Rate APY View More
Madrona Business Money Market 2.71% 2.75%
Min Balance $250,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Madrona Business Money Market 2.66% 2.70%
Min Balance $100,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Madrona Business Money Market 0.25% 0.25%
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
First Rate Money Market 0.15% 0.15%
Min Deposit $100,000
Min Balance $100,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
First Rate Money Market 0.10% 0.10%
Min Deposit $50,000
Min Balance $50,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
First Rate Money Market 0.05% 0.05%
Min Deposit $1,000
Min Balance $1,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
First Rate Money Market 0.01% 0.01%
Min Deposit $0
Min Balance $0
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%

First Fed Bank Checking Rates

Product Rate APY View More
Rewards Checking - 5.00%
Details Qualifying balance up to $10,000.00
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Cascade Checking 0.02% 0.02%
Min Deposit $100,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Cascade Checking 0.01% 0.01%
Min Deposit $1,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Cascade Checking - 0.00%
Min Deposit $0
Details Qualifying balance up to $1,000.00
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%

First Fed Bank Mortgage Rates

Product Rate Points APR Term View More
15-year Fixed Rate Purchase 5.88% 0.000 5.98% 15-year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
15-year Fixed Rate Refinance 5.88% 0.125 5.99% 15-year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate VA Refinance 5.99% 0.125 6.10% 30-year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
15-year Fixed Rate MH Purchase 6.13% 0.000 6.24% 15-year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year VA Purchase 5.99% 0.000 6.24%
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
15-year Fixed Rate MH Refinance 6.25% 0.000 6.37% 15-year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
15-year Fixed Cash-out Refinance 6.25% 0.250 6.39% 15
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate MH Purchase 6.38% 0.250 6.47% 30-year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate Purchase 6.38% 0.375 6.47% 30-year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate Cash-out VA Refinance 6.25% 0.250 6.53% 30-year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
7/1 ARM 6.25% 0.000 6.55%
Details first 7 years; then 1 year CMT + 3.00 adjusted annually for years 8-30
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate Refinance 6.49% 0.250 6.58% 30-year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
15-year Fixed Rate Jumbo Purchase 6.50% 0.000 6.60% 15-year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate MH Refinance 6.50% 0.250 6.60% 30-year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate Jumbo Purchase 6.63% 0.250 6.71% 30-year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
15-year Fixed Rate Jumbo Cash-out Refinance 6.63% 0.000 6.72% 15-year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate MH Cash-out Refi 6.63% 0.250 6.76% 30-year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate Jumbo Cash-out Refinance 6.75% 0.125 6.82% 30-year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
15-year Fixed Rate Jumbo Refinance 6.75% 0.000 6.85% 15-year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
15-year Fixed Rate Home Loan - - 6.88% 15-year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
15-year Fixed Rate MH Cash-out Refi 6.75% 0.125 6.90% 15-year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate Jumbo Refinance 6.88% 0.000 6.94% 30-year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Cash-out Refinance 6.88% 0.125 6.95% 30
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
20 Year Fixed Rate Land Purchase (20yr / 5yr balloon) 8.75% 0.000 9.22% 20 Year
No additional details.
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%

First Fed Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 5.99%
Details Intro rate expires: 12 months; Regular APR: 6.750%
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%

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

Institution Name First Fed Bank
Bank Holding Company FIRST NORTHWEST BCORP
Address 105 W 8th St, Port Angeles, WA 98362  ·  Clallam
FDIC Certificate # 28405
Established 01/01/1923
FDIC Insurance Date 08/09/1989
Domestic Offices 15
Total Branches 15
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 99/100
5.0
Exceptional Out of 5.0 Stars
1.40%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.5886%
Return on Equity (ROE) 7.0600%
Non-Performing Loans (NPL) 0.12%
Total Assets $2,089,518,000
Total Deposits $1,604,046,000
Equity Capital $179,586,000
Net Income $-2,100,000
Headquarters Port Angeles
Total Offices 15
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About First Fed Bank

Is First Fed Bank a safe place to deposit money?

Yes, First Fed Bank is considered a safe financial institution. With a Texas Ratio of 1.4032227290861%, 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 Fed Bank operate?

First Fed Bank currently maintains approximately 15 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.

Current First Fed Bank Rates

  • 12-Month CD3.00%
  • 18-Month CD2.75%
  • 36-Month CD2.90%
  • 60-Month CD2.54%
  • Savings0.03%
  • MMA0.01%
Retrieved from our database of financial products. Rates subject to change.