☰

Home›
Banks›
First FSB of Twin Falls

iAdvertiser Disclosure

First FSB of Twin Falls Rates & Review November 2026

Q: What are the current interest rates at First FSB of Twin Falls?

Current rates for First FSB of Twin Falls include: 12-Month CD: 3.65%, 18-Month CD: 3.63%, 48-Month CD: 3.70%, 60-Month CD: 3.75%, Savings: 10.47%, MMA: 3.04%

Q: Does First FSB of Twin Falls offer CDs?

Yes. First FSB of Twin Falls current CD rates include its CD (CDs) - 5 Years at 3.75% APY, its CD (CDs) - 4 Years at 3.70% APY and its CD (CDs) - 12-Month at 3.65% APY, verified by MonitorBankRates as of November 5, 2026.

Q: Are CDs from First FSB of Twin Falls FDIC insured?

Yes. First FSB of Twin Falls is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

Q: What is the highest CD rate at First FSB of Twin Falls?

The highest First FSB of Twin Falls CD rate is its Jumbo Certificates of Deposit - 5 Years at 3.86% APY, verified by MonitorBankRates as of November 5, 2026.

Q: What CD terms does First FSB of Twin Falls offer?

First FSB of Twin Falls CD rates are 3.65% APY for a 12 month CD, 3.63% APY for an 18 month CD, 3.64% APY for a 30 month CD, 3.70% APY for a 4 year CD and 3.75% 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 FSB of Twin Falls for its full lineup.

Q: What is the highest savings rate at First FSB of Twin Falls?

The highest First FSB of Twin Falls savings rate is its Sawtooth Savings at 0.25% APY, verified by MonitorBankRates as of November 5, 2026.

Q: What is the highest money market rate at First FSB of Twin Falls?

The highest First FSB of Twin Falls money market rate is its Business Money Market at 3.04% APY, verified by MonitorBankRates as of November 5, 2026.

Q: What is the highest checking rate at First FSB of Twin Falls?

The highest First FSB of Twin Falls checking rate is its Red Rewards Checking at 4.51% APY, verified by MonitorBankRates as of November 5, 2026.

Q: What is the lowest auto loan rate at First FSB of Twin Falls?

The lowest First FSB of Twin Falls auto loan rate is its Vehicle Loan - 72-Month at 6.758%, verified by MonitorBankRates as of November 5, 2026. First FSB of Twin Falls auto loan rates are 6.758% for a 48 month auto loan, 6.758% for a 60 month auto loan and 6.758% for a 72 month auto loan.

Q: How many branches does First FSB of Twin Falls operate?

First FSB of Twin Falls 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 FSB of Twin Falls's CD (CDs) - 5 Years rates are at 3.75%, CD (CDs) - 4 Years rates are at 3.70%, CD (CDs) - 12-Month rates are at 3.65%, CD (CDs) - 30-Month rates are at 3.64%, CD (CDs) - 18-Month rates are at 3.63%. First FSB of Twin Falls's savings rates are at 10.47%. First FSB of Twin Falls's money market rates are at 3.04%. First FSB of Twin Falls's checking rates are as high as 4.51%. First FSB of Twin Falls's Auto Loan Rates are as low as 7.004%. First FSB of Twin Falls's top CD rate of 3.86% APY on a 5 year CD is 32% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of First FSB of Twin Falls with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.04%. Rates last updated and verified on 11/05/2026.

First FSB of Twin Falls money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First FSB of Twin Falls? Share your experience about First FSB of Twin Falls by leaving a review below, or read customer reviews before you decide to use First FSB of Twin Falls.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.04%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First FSB of Twin Falls

383 Shoshone St N
Twin Falls, ID 83301

https://www.BankFirstFed.com

Customer Reviews

Be the first to review

Write a Review

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 FSB of Twin Falls CD Rates

Product	Rate	APY	Term	Min. Deposit
Jumbo CD - 5-Years	3.79%	3.86%	5 Years	$100,000
Min Deposit $100,000 Details Jumbo certificate; $100,000 minimum deposit to open; no minimum balance required to obtain the disclosed APY; rates accurate as of 11/1/2026 Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 3.82% → 3.86% ▲ 0.04 pts · high 3.86% / low 3.82% Nov 5, 20263.86%▲ from 3.82% Oct 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Jumbo CD - 4-Years	3.74%	3.80%	4 Years	$100,000
Min Deposit $100,000 Details Jumbo certificate; $100,000 minimum deposit to open; no minimum balance required to obtain the disclosed APY; rates accurate as of 11/1/2026 Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 3.76% → 3.80% ▲ 0.04 pts · high 3.80% / low 3.76% Nov 5, 20263.80%▲ from 3.76% Oct 14, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
CD (CDs) - 5-Years	3.69%	3.75%	5 Years	$500
Min Deposit $500 Details Minimum deposit to open $500; Rates accurate as of 11/01/2026 Last Updated 11/05/2026 Rate History 1 change since Oct 7, 2026 · 3.71% → 3.75% ▲ 0.04 pts · high 3.75% / low 3.71% Nov 5, 20263.75%▲ from 3.71% Oct 7, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Jumbo CD - 12-month	3.69%	3.75%	12 Months	$100,000
Min Deposit $100,000 Details Jumbo certificate; $100,000 minimum deposit to open; no minimum balance required to obtain the disclosed APY; rates accurate as of 11/1/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 3.61% → 3.75% ▲ 0.14 pts · high 3.75% / low 3.61% Nov 5, 20263.75%▲ from 3.61% Sep 19, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Jumbo CD - 30-month	3.68%	3.74%	30 Months	$100,000
Min Deposit $100,000 Details Jumbo certificate; $100,000 minimum deposit to open; no minimum balance required to obtain the disclosed APY; rates accurate as of 11/1/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 3.71% → 3.74% ▲ 0.03 pts · high 3.74% / low 3.71% Nov 5, 20263.74%▲ from 3.71% Sep 19, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Jumbo CD - 18-month	3.67%	3.73%	18 Months	$100,000
Min Deposit $100,000 Details Jumbo certificate; $100,000 minimum deposit to open; no minimum balance required to obtain the disclosed APY; rates accurate as of 11/1/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 3.66% → 3.73% ▲ 0.07 pts · high 3.73% / low 3.66% Nov 5, 20263.73%▲ from 3.66% Sep 19, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Jumbo CD - 6-month	3.67%	3.73%	6 Months	$100,000
Min Deposit $100,000 Details Jumbo certificate; $100,000 minimum deposit to open; no minimum balance required to obtain the disclosed APY; rates accurate as of 11/1/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 3.61% → 3.73% ▲ 0.12 pts · high 3.73% / low 3.61% Nov 5, 20263.73%▲ from 3.61% Sep 19, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
CD (CDs) - 4-Years	3.64%	3.70%	4 Years	$500
Min Deposit $500 Details Minimum deposit to open $500; Rates accurate as of 11/01/2026 Last Updated 11/05/2026 Rate History 1 change since Oct 7, 2026 · 3.66% → 3.70% ▲ 0.04 pts · high 3.70% / low 3.66% Nov 5, 20263.70%▲ from 3.66% Oct 7, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
CD (CDs) - 12-month	3.59%	3.65%	12 Months	$500
Min Deposit $500 Details Minimum deposit to open $500; Rates accurate as of 11/01/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 3.51% → 3.65% ▲ 0.14 pts · high 3.65% / low 3.51% Nov 5, 20263.65%▲ from 3.51% Sep 19, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
CD (CDs) - 30-month	3.58%	3.64%	30 Months	$500
Min Deposit $500 Details Minimum deposit to open $500; Rates accurate as of 11/01/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 3.61% → 3.64% ▲ 0.03 pts · high 3.64% / low 3.61% Nov 5, 20263.64%▲ from 3.61% Sep 19, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
CD (CDs) - 18-month	3.57%	3.63%	18 Months	$500
Min Deposit $500 Details Minimum deposit to open $500; Rates accurate as of 11/01/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 3.56% → 3.63% ▲ 0.07 pts · high 3.63% / low 3.56% Nov 5, 20263.63%▲ from 3.56% Sep 19, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
CD (CDs) - 6-month	3.57%	3.63%	6 Months	$500
Min Deposit $500 Details Minimum deposit to open $500; Rates accurate as of 11/01/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 3.51% → 3.63% ▲ 0.12 pts · high 3.63% / low 3.51% Nov 5, 20263.63%▲ from 3.51% Sep 19, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Jumbo CD - 3-month	3.45%	3.51%	3 Months	$100,000
Min Deposit $100,000 Details Jumbo certificate; $100,000 minimum deposit to open; no minimum balance required to obtain the disclosed APY; rates accurate as of 11/1/2026 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.51% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
CD (CDs) - 3-month	3.35%	3.40%	3 Months	$500
Min Deposit $500 Details Minimum deposit to open $500; Rates accurate as of 11/01/2026 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.40% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

First FSB of Twin Falls Savings Rates

Product	Rate	APY
SuperSaver Savings	10.00%	10.47%
Min Deposit $10 Min Balance $0 Details Qualifications Required; Balance: Below $500.01; Qualifying balance up to $500.00; Interest is compounded and credited monthly; If eligibility requirements are not met, the interest rate is 0.10% with an APY of 0.10% Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 10.47% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Sawtooth Savings	0.25%	0.25%
Min Deposit $10 Min Balance $50,000 Details Balance: $50,000.00 and over; Tier 6; $10 minimum opening deposit required Last Updated 11/05/2026 Rate History No change since Oct 3, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Sawtooth Savings	0.20%	0.20%
Min Deposit $10 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Tier 5; $10 minimum opening deposit required Last Updated 11/05/2026 Rate History No change since Oct 3, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Sawtooth Savings	0.15%	0.15%
Min Deposit $10 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Tier 4; $10 minimum opening deposit required Last Updated 11/05/2026 Rate History No change since Oct 3, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Kids Ca$h Savings	0.10%	0.10%
Min Balance $5 Details Balance: $5 (average daily balance); variable rate account Last Updated 11/05/2026 Rate History No change since Oct 3, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Mutual Savings	0.10%	0.10%
Min Balance $5 Details Minimum Balance Required to Obtain APY: $5 (average daily balance) Last Updated 11/05/2026 Rate History No change since Oct 3, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Sawtooth Savings	0.10%	0.10%
Min Deposit $10 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Tier 3; $10 minimum opening deposit required Last Updated 11/05/2026 Rate History No change since Oct 3, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Sawtooth Savings	0.05%	0.05%
Min Deposit $10 Min Balance $100 Details Balance: $100.00 - $999.99; Tier 2; $10 minimum opening deposit required Last Updated 11/05/2026 Rate History No change since Oct 3, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Sawtooth Savings	0.00%	0.00%
Min Deposit $10 Min Balance $0 Details Balance: Below $100.00; Tier 1; $10 minimum opening deposit required Last Updated 11/05/2026 Rate History No change since Oct 3, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

First FSB of Twin Falls Money Market Rates

Product	Rate	APY
Money Market	3.00%	3.04%
Min Deposit $1,000 Min Balance $2,500,000 Details Tier 10; Balance: Equal to or greater than $2,500,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.04% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Money Market	2.60%	2.63%
Min Deposit $1,000 Min Balance $1,000,000 Details Tier 9; Balance: Equal to or greater than $1,000,000.00 but less than $2,500,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.63% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Money Market	2.10%	2.12%
Min Deposit $1,000 Min Balance $500,000 Details Tier 8; Balance: Equal to or greater than $500,000.00 but less than $1,000,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.12% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Money Market	1.60%	1.61%
Min Deposit $1,000 Min Balance $250,000 Details Tier 7; Balance: Equal to or greater than $250,000.00 but less than $500,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 1.61% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Money Market	1.10%	1.11%
Min Deposit $1,000 Min Balance $100,000 Details Tier 6; Balance: Equal to or greater than $100,000.00 but less than $250,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 1.11% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Money Market	0.85%	0.85%
Min Deposit $1,000 Min Balance $50,000 Details Tier 5; Balance: Equal to or greater than $50,000.00 but less than $100,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.85% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Money Market	0.65%	0.65%
Min Deposit $1,000 Min Balance $25,000 Details Tier 4; Balance: Equal to or greater than $25,000.00 but less than $50,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.65% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Money Market	0.40%	0.40%
Min Deposit $1,000 Min Balance $10,000 Details Tier 3; Balance: Equal to or greater than $10,000.00 but less than $25,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.40% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Money Market	0.20%	0.20%
Min Deposit $1,000 Min Balance $1,000 Details Tier 2; Balance: Equal to or greater than $1,000.00 but less than $10,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Money Market	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Tier 1; Balance: Below $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

First FSB of Twin Falls Business Money Market Rates

Product	Rate	APY
Business Money Market	3.00%	3.04%
Min Deposit $1,000 Min Balance $2,500,000 Details Balance: Equal to or greater than $2,500,000.00; Minimum average daily balance of $5.00 to obtain APY Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.04% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Business Money Market	2.60%	2.63%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: Equal to or greater than $1,000,000.00 but less than $2,500,000.00; Minimum average daily balance of $5.00 to obtain APY Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.63% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Business Money Market	2.10%	2.12%
Min Deposit $1,000 Min Balance $500,000 Details Balance: Equal to or greater than $500,000.00 but less than $1,000,000.00; Minimum average daily balance of $5.00 to obtain APY Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.12% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Business Money Market	1.60%	1.61%
Min Deposit $1,000 Min Balance $250,000 Details Balance: Equal to or greater than $250,000.00 but less than $500,000.00; Minimum average daily balance of $5.00 to obtain APY Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 1.61% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Business Money Market	1.10%	1.11%
Min Deposit $1,000 Min Balance $100,000 Details Balance: Equal to or greater than $100,000.00 but less than $250,000.00; Minimum average daily balance of $5.00 to obtain APY Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 1.11% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Business Money Market	0.85%	0.85%
Min Deposit $1,000 Min Balance $50,000 Details Balance: Equal to or greater than $50,000.00 but less than $100,000.00; Minimum average daily balance of $5.00 to obtain APY Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.85% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Business Money Market	0.65%	0.65%
Min Deposit $1,000 Min Balance $25,000 Details Balance: Equal to or greater than $25,000.00 but less than $50,000.00; Minimum average daily balance of $5.00 to obtain APY Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.65% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Business Money Market	0.40%	0.40%
Min Deposit $1,000 Min Balance $10,000 Details Balance: Equal to or greater than $10,000.00 but less than $25,000.00; Minimum average daily balance of $5.00 to obtain APY Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.40% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Business Money Market	0.20%	0.20%
Min Deposit $1,000 Min Balance $1,000 Details Balance: Equal to or greater than $1,000.00 but less than $10,000.00; Minimum average daily balance of $5.00 to obtain APY Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Business Money Market	0.05%	0.05%
Min Deposit $1,000 Min Balance $5 Details Balance: Below $1,000.00; Minimum average daily balance of $5.00 to obtain APY Last Updated 11/05/2026 Rate History 1 change since Oct 7, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05% Oct 21, 20260.05%▼ from 0.10% Oct 7, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Business Money Market	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: Below $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

First FSB of Twin Falls Checking Rates

Product	Rate	APY
Red Rewards Checking	4.42%	4.51%
Min Deposit $100 Min Balance $0 Details Qualifications Required; Balance: Below $20,000.01 (4.42% interest rate, 4.51% APY on balances up to and including $20,000.00); $100 minimum opening deposit required; Interest is compounded and credited monthly Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Wings Youth Checking	0.03%	0.03%
Min Balance $700 Details Minimum Balance Required to Obtain APY: $700 (average daily balance); Interest is compounded and credited monthly Last Updated 11/05/2026 Rate History No change since Oct 3, 2026 · 0.03% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

First FSB of Twin Falls Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit (HELOC)	6.75%	-	6.773%
Details Rate quoted is for liens in first position; HELOC stated APR subject to criteria including automatic payment from a First Federal checking account; Maximum APR of 18.00%; Rates and APRs as of 11/05/2026 Last Updated 11/05/2026 Rate History 2 changes since Sep 15, 2026 · 6.50% → 6.77% ▲ 0.27 pts · high 7.00% / low 6.50% Sep 24, 20266.77%▼ from 7.00% Sep 19, 20267.00%▲ from 6.50% Sep 15, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Home Equity Loan	6.875%	-	6.909%
Details Rates vary by qualification and term selected; Rate quoted is for liens in first position; Rates and APRs as of 11/05/2026 Last Updated 11/05/2026 Rate History 8 changes since Sep 15, 2026 · 6.66% → 6.91% ▲ 0.25 pts · high 7.54% / low 6.66% Oct 31, 20266.91%▼ from 7.29% Oct 21, 20267.29%▲ from 7.04% Oct 20, 20267.04%▼ from 7.54% Oct 14, 20267.54%▲ from 7.29% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

First FSB of Twin Falls Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan - 72-Month	6.758%	-	7.004%	72-Month
Details Examples loan terms assume: FICO score >=720; LTV < 95%; Age of Vehicle <= 6yr (2020 or newer model yr); Stated APR subject to criteria, including having an active First Federal Personal Checking Acct at time of closing; Rates and APRs as of 011/03/2026 Last Updated 11/05/2026 Rate History 2 changes since Sep 15, 2026 · 6.78% → 7.00% ▲ 0.23 pts · high 7.22% / low 6.78% Nov 5, 20267.00%▼ from 7.22%* Oct 7, 20267.22%▲ from 6.78% Sep 15, 20266.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Vehicle Loan - 60-Month	6.758%	-	7.05%	60-Month
Details Examples loan terms assume: FICO score >=720; LTV < 95%; Age of Vehicle <= 6yr (2020 or newer model yr); Stated APR subject to criteria, including having an active First Federal Personal Checking Acct at time of closing; Rates and APRs as of 011/03/2026 Last Updated 11/05/2026 Rate History 2 changes since Sep 15, 2026 · 6.82% → 7.05% ▲ 0.23 pts · high 7.27% / low 6.82% Nov 5, 20267.05%▼ from 7.27%* Oct 7, 20267.27%▲ from 6.82% Sep 15, 20266.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Vehicle Loan - 48-Month	6.758%	-	7.12%	48-Month
Details Examples loan terms assume: FICO score >=720; LTV < 95%; Age of Vehicle <= 6yr (2020 or newer model yr); Stated APR subject to criteria, including having an active First Federal Personal Checking Acct at time of closing; Rates and APRs as of 011/03/2026 Last Updated 11/05/2026 Rate History 2 changes since Sep 15, 2026 · 6.89% → 7.12% ▲ 0.23 pts · high 7.34% / low 6.89% Nov 5, 20267.12%▼ from 7.34%* Oct 7, 20267.34%▲ from 6.89% Sep 15, 20266.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

First FSB of Twin Falls Other Rates

Product	Rate	Points	APY/APR
MMDA	0.05%	-	0.05%
Min Balance $100 Details Balance: Equal to or greater than $100.00 but less than $1,000.00; Tier 2 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
MMDA	0.10%	-	0.10%
Min Balance $1,000 Details Balance: Equal to or greater than $1,000.00 but less than $10,000.00; Tier 3 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
MMDA	0.15%	-	0.15%
Min Balance $10,000 Details Balance: Equal to or greater than $10,000.00 but less than $25,000.00; Tier 4 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
MMDA	0.20%	-	0.20%
Min Balance $25,000 Details Balance: Equal to or greater than $25,000.00 but less than $50,000.00; Tier 5 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
MMDA	0.25%	-	0.25%
Min Balance $50,000 Details Balance: Equal to or greater than $50,000.00; Tier 6 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

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 FSB of Twin Falls’s Texas Ratio stayed near 0.24% in Q3 2023 to 0.04% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.9 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$1.4B	0.04%	5.0	A+
March 31, 2026	$1.4B	0.41%	5.0	A+
December 31, 2025	$1.4B	1.06%	5.0	A+
September 30, 2025	$1.5B	2.55%	5.0	A+
June 30, 2025	$1.5B	0.04%	5.0	A+
March 31, 2025	$1.5B	0.04%	5.0	A+
December 31, 2024	$1.5B	0.33%	5.0	A+
September 30, 2024	$1.5B	0.81%	5.0	A+
June 30, 2024	$1.6B	0.35%	4.9	A+
March 31, 2024	$1.6B	0.41%	4.7	A
December 31, 2023	$1.5B	0.06%	5.0	A+
September 30, 2023	$1.4B	0.24%	4.9	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 FSB of Twin Falls is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First FSB of Twin Falls rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First FSB of Twin Falls's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name First FSB of Twin Falls

Website https://www.BankFirstFed.com

Address 383 Shoshone St N, Twin Falls, ID 83301 · Twin Falls

FDIC Certificate # 28845

Regulator OCC

Established January 1, 1916

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+ (100/100)

Texas Ratio

0.04%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.2745%

Return on Equity (ROE)

13.6700%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

$1,420,568,000

Total Deposits

$1,251,041,000

Equity Capital

$138,130,000

Net Income

$9,124,000

Headquarters

Twin Falls

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

First FSB of Twin Falls 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.

<a href="https://www.monitorbankrates.com/banks/first-fsb-of-twin-falls-rates-review-28845">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for First FSB of Twin Falls yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for First FSB of Twin Falls

Frequently Asked Questions About First FSB of Twin Falls

Does First FSB of Twin Falls offer CDs?

Yes. First FSB of Twin Falls current CD rates include its CD (CDs) - 5 Years at 3.75% APY, its CD (CDs) - 4 Years at 3.70% APY and its CD (CDs) - 12-Month at 3.65% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from First FSB of Twin Falls FDIC insured?

Yes. First FSB of Twin Falls 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 FSB of Twin Falls?

The highest First FSB of Twin Falls CD rate is its Jumbo Certificates of Deposit - 5 Years at 3.86% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does First FSB of Twin Falls offer?

First FSB of Twin Falls CD rates are 3.65% APY for a 12 month CD, 3.63% APY for an 18 month CD, 3.64% APY for a 30 month CD, 3.70% APY for a 4 year CD and 3.75% 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 FSB of Twin Falls for its full lineup.

What is the highest savings rate at First FSB of Twin Falls?

The highest First FSB of Twin Falls savings rate is its Sawtooth Savings at 0.25% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at First FSB of Twin Falls?

The highest First FSB of Twin Falls money market rate is its Business Money Market at 3.04% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at First FSB of Twin Falls?

The highest First FSB of Twin Falls checking rate is its Red Rewards Checking at 4.51% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest auto loan rate at First FSB of Twin Falls?

The lowest First FSB of Twin Falls auto loan rate is its Vehicle Loan - 72-Month at 6.758%, verified by MonitorBankRates as of November 5, 2026. First FSB of Twin Falls auto loan rates are 6.758% for a 48 month auto loan, 6.758% for a 60 month auto loan and 6.758% for a 72 month auto loan.

How many branches does First FSB of Twin Falls operate?

First FSB of Twin Falls 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 FSB of Twin Falls 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 FSB of Twin Falls provides members with tools to manage their accounts and build a solid financial history.

Does First FSB of Twin Falls offer online and mobile banking?

Most modern institutions like First FSB of Twin Falls 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.BankFirstFed.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 FSB of Twin Falls rates compare?

First FSB of Twin Falls's top CD rate of 3.86% APY on a 5 year CD is 32% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. First FSB of Twin Falls's top rates are its Jumbo Certificates of Deposit - 5 Years at 3.86% APY, its SuperSaver Savings at 10.47% APY, its Business Money Market at 3.04% APY, its Red Rewards Checking at 4.51% APY and its Vehicle Loan - 72-Month at 7.004% APR, verified by MonitorBankRates on November 5, 2026.

Current First FSB of Twin Falls Rates

12-Month CD3.65%
18-Month CD3.63%
48-Month CD3.70%
60-Month CD3.75%
Savings10.47%
MMA3.04%

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

Compare to Other Banks

State Bank of Whittington Commonwealth National Bank Community First Banking Company Charles Schwab Premier Bank, SSB Atlantic Union Bank Custer Federal State Bank Manufacturers B&T Co. Citizens State Bank Anton, TX Sound Banking Company Security State Bank of Aitkin SouthernTrust Bank Ventura National Bank & Trust RHBT Rolling Hills B&T State Exchange Bank Lamont, OK National Bank of Commerce First Federal S&L of McMinnville Amarillo National Bank Ninnescah Valley Bank Lakeside Bank Maverick Bank Security First Bank

First FSB of Twin Falls Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First FSB of Twin Falls Texas Ratio

First FSB of Twin Falls Health Trend

First FSB of Twin Falls CD Rates

First FSB of Twin Falls Savings Rates

First FSB of Twin Falls Money Market Rates

First FSB of Twin Falls Business Money Market Rates

First FSB of Twin Falls Checking Rates

First FSB of Twin Falls Home Equity & HELOC

First FSB of Twin Falls Auto Loan Rates

First FSB of Twin Falls Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

First FSB of Twin Falls earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First FSB of Twin Falls

Does First FSB of Twin Falls offer CDs?

Are CDs from First FSB of Twin Falls FDIC insured?

What is the highest CD rate at First FSB of Twin Falls?

What CD terms does First FSB of Twin Falls offer?

What is the highest savings rate at First FSB of Twin Falls?

What is the highest money market rate at First FSB of Twin Falls?

What is the highest checking rate at First FSB of Twin Falls?

What is the lowest auto loan rate at First FSB of Twin Falls?

How many branches does First FSB of Twin Falls operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First FSB of Twin Falls 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 FSB of Twin Falls rates compare?

Current First FSB of Twin Falls Rates

Compare to Other Banks