Bank · FDIC insured
First Federal Bank CD Rates
First Federal Bank’s best CD rate is 3.82% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How First Federal Bank’s CD rates compare
Compared with banks and credit unions near Twin Falls, ID, where First Federal Bank has the most branches. $10,000, best rate first.
This bank’s best
First Federal Bank
3.71%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,998
Certificates of Deposit (CDs)
Top rate
Mountain America Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $920
2nd-highest rate
ICCU
4.30%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,343
First Federal Bank CD score
81
CD score
Higher than 57% of U.S. banks and credit unions
- 3–8 months3–8 mo3.51%
- 9–15 months9–15 mo3.51%
- 16–30 months16–30 mo3.61%
- 31–60 months31–60 mo3.71%
- QualifiedQualified3.71%
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 Federal Bank 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.
Jumbo Certificates of Deposit
Up to 3.82%APY · 7 terms
$100,000 minimum deposit to open. Annual Percentage Yield (APY) assumes interest credited is not withdrawn until maturity or renewal. Principal withdrawals prior to the maturity or renewal date may be subject to early withdrawal penalties. Penalties are not assessed if the account holder is deceased. Renewal grace period is seven (7) calendar days. No minimum balance is required to obtain the disclosed APY. Fees may reduce earnings on the account. Interest will be compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAssumes interest credited is not withdrawn until maturity or renewal. Early withdrawal penalties may apply. No minimum balance is required to obtain the disclosed APY. Interest compounded and credited monthly | 3.51% | $87 |
| 6 monthsAssumes interest credited is not withdrawn until maturity or renewal. Early withdrawal penalties may apply. No minimum balance is required to obtain the disclosed APY. Interest compounded and credited monthly | 3.61% | $179 |
| 12 monthsAssumes interest credited is not withdrawn until maturity or renewal. Early withdrawal penalties may apply. No minimum balance is required to obtain the disclosed APY. Interest compounded and credited monthly | 3.61% | $361 |
| 18 monthsAssumes interest credited is not withdrawn until maturity or renewal. Early withdrawal penalties may apply. No minimum balance is required to obtain the disclosed APY. Interest compounded and credited monthly | 3.66% | $554 |
| 30 monthsAssumes interest credited is not withdrawn until maturity or renewal. Early withdrawal penalties may apply. No minimum balance is required to obtain the disclosed APY. Interest compounded and credited monthly | 3.71% | $953 |
| 48 monthsAssumes interest credited is not withdrawn until maturity or renewal. Early withdrawal penalties may apply. No minimum balance is required to obtain the disclosed APY. Interest compounded and credited monthly | 3.76% | $1,591 |
| 60 monthsAssumes interest credited is not withdrawn until maturity or renewal. Early withdrawal penalties may apply. No minimum balance is required to obtain the disclosed APY. Interest compounded and credited monthly | 3.82% | $2,062 |
Sources (2)
- bankfirstfed.com/lending/home-…s/home-equity-loans.html
- bankfirstfed.com/personal/cert…ates-of-deposit-cds.html
All captured Oct 22, 2026
Certificates of Deposit (CDs)
Up to 3.71%APY · 7 terms
$500 Minimum Deposit to Open. Annual Percentage Yield (APY) assumes interest credited is not withdrawn until maturity or renewal. Principal withdrawals prior to the maturity or renewal date may be subject to early withdrawal penalties. Penalties are not assessed if the account holder is deceased. Renewal grace period is seven (7) calendar days. Fees may reduce earnings on the account. Interest will be compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAssumes interest credited is not withdrawn until maturity or renewal. Early withdrawal penalties may apply. Interest compounded and credited monthly | 3.40% | $84 |
| 6 monthsAssumes interest credited is not withdrawn until maturity or renewal. Early withdrawal penalties may apply. Interest compounded and credited monthly | 3.51% | $174 |
| 12 monthsAssumes interest credited is not withdrawn until maturity or renewal. Early withdrawal penalties may apply. Interest compounded and credited monthly | 3.51% | $351 |
| 18 monthsAssumes interest credited is not withdrawn until maturity or renewal. Early withdrawal penalties may apply. Interest compounded and credited monthly | 3.56% | $539 |
| 30 monthsAssumes interest credited is not withdrawn until maturity or renewal. Early withdrawal penalties may apply. Interest compounded and credited monthly | 3.61% | $927 |
| 48 monthsAssumes interest credited is not withdrawn until maturity or renewal. Early withdrawal penalties may apply. Interest compounded and credited monthly | 3.66% | $1,546 |
| 60 monthsAssumes interest credited is not withdrawn until maturity or renewal. Early withdrawal penalties may apply. Interest compounded and credited monthly | 3.71% | $1,998 |
Sources (2)
- bankfirstfed.com/lending/home-…s/home-equity-loans.html
- bankfirstfed.com/personal/cert…ates-of-deposit-cds.html
All captured Oct 22, 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.