Bank · FDIC insured
First Fed Delta CD Rates
First Fed Delta’s best CD rate is 3.56% APY on a 9-month CD. Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How First Fed Delta’s CD rates compare
Compared with banks and credit unions near Toledo, OH, where First Fed Delta has the most branches. $10,000, best rate first.
This bank’s best
First Fed Delta
3.56%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $266
Personal CDs
Top rate
Fremont Federal Credit Union
5.10%APY
- Term
- 84 months
- Minimum
- $1,000
- Earns on $10,000
- $4,165
2nd-highest rate
Educational Community Alliance CU
4.58%APY
- Term
- 48 months
- Minimum
- —
- Earns on $10,000
- $1,962
First Fed Delta CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 3–8 months3–8 mo0.07%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.56%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Fed Delta ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Personal CDs
Up to 3.56%APY · 12 terms
A penalty may be imposed for early withdrawal. For terms under 12 months, interest is not compounded and is credited at maturity. For terms 12 months or longer, interest is compounded daily and credited quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest will not be compounded; interest credited at maturity. Early withdrawal penalty may be imposed | 0.05% | $1 |
| 6 monthsInterest will not be compounded; interest credited at maturity. Early withdrawal penalty may be imposed | 0.07% | $3 |
| 9 monthsInterest will not be compounded; interest credited at maturity. Early withdrawal penalty may be imposed | 3.56% | $266 |
| 12 monthsInterest compounded daily; interest credited quarterly. Early withdrawal penalty may be imposed | 3.56% | $356 |
| 15 monthsInterest compounded daily; interest credited quarterly. Early withdrawal penalty may be imposed | 3.56% | $447 |
| 16 monthsInterest compounded daily; interest credited quarterly. Early withdrawal penalty may be imposed | 3.56% | $477 |
| 18 monthsInterest compounded daily; interest credited quarterly. Early withdrawal penalty may be imposed | 0.15% | $23 |
| 20 monthsInterest compounded daily; interest credited quarterly. Early withdrawal penalty may be imposed | 0.20% | $33 |
| 24 monthsInterest compounded daily; interest credited quarterly. Early withdrawal penalty may be imposed | 3.30% | $671 |
| 27 monthsInterest compounded daily; interest credited quarterly. Early withdrawal penalty may be imposed | 0.20% | $45 |
| 30 monthsInterest compounded daily; interest credited quarterly. Early withdrawal penalty may be imposed | 0.25% | $63 |
| 36 monthsInterest compounded daily; interest credited quarterly. Early withdrawal penalty may be imposed | 3.30% | $1,023 |
Sources (1)
- firstfeddelta.bank/Rates · captured Oct 16, 2026
Special-purpose accounts
Personal IRAs
Up to 3.56%APY · 12 terms
A penalty may be imposed for early withdrawal. For terms under 12 months, interest is not compounded and is credited at maturity. For terms 12 months or longer and variable rate IRAs, interest is compounded daily and credited quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest will not be compounded; interest credited at maturity. Early withdrawal penalty may be imposed | 0.05% | $1 |
| 6 monthsInterest will not be compounded; interest credited at maturity. Early withdrawal penalty may be imposed | 0.07% | $3 |
| 9 monthsInterest will not be compounded; interest credited at maturity. Early withdrawal penalty may be imposed | 3.56% | $266 |
| 12 monthsInterest compounded daily; interest credited quarterly. Early withdrawal penalty may be imposed | 3.56% | $356 |
| 15 monthsInterest compounded daily; interest credited quarterly. Early withdrawal penalty may be imposed | 3.56% | $447 |
| 16 monthsInterest compounded daily; interest credited quarterly. Early withdrawal penalty may be imposed | 3.56% | $477 |
| 18 monthsInterest compounded daily; interest credited quarterly. Early withdrawal penalty may be imposed | 0.15% | $23 |
| 20 monthsInterest compounded daily; interest credited quarterly. Early withdrawal penalty may be imposed | 0.20% | $33 |
| 24 monthsInterest compounded daily; interest credited quarterly. Early withdrawal penalty may be imposed | 3.30% | $671 |
| 27 monthsInterest compounded daily; interest credited quarterly. Early withdrawal penalty may be imposed | 0.20% | $45 |
| 30 monthsInterest compounded daily; interest credited quarterly. Early withdrawal penalty may be imposed | 0.25% | $63 |
| 36 monthsInterest compounded daily; interest credited quarterly. Early withdrawal penalty may be imposed | 3.30% | $1,023 |
Sources (1)
- firstfeddelta.bank/Rates · captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.