Bank · FDIC insured
First Federal Bank Savings Rates
First Federal Bank’s best savings rate is 0.50% APY on $10,000, with its Tax Advantaged Savings. Rates checked October 22, 2026.
How First Federal Bank’s savings 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
0.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $50
Tax Advantaged Savings
Top rate
WaFd Bank
3.82%APY
- Minimum
- $0
- Earns on $10,000 a year
- $382
2nd-highest rate
ICCU
3.40%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $340
First Federal Bank savings score
80
Savings score
Higher than 51% of U.S. banks and credit unions
- $1,000 balance$1,0000.45%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.11%
- QualifiedQualified0.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
SuperSaver Savings
0.10%APY
Each primary account holder is allowed one (1) SuperSaver account per tax identification number. To qualify for tiered APY/rates during a monthly statement cycle: minimum of one (1) posted Round-Up transfer from checking, minimum of one (1) deposit of at least $30 or two (2) deposits of at least $15, no withdrawal transactions, and receive e-statements. Otherwise, base rate applies.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBase rate applied to all balances if monthly eligibility requirements are not met or if a withdrawal transaction occurs during the statement cycle. | 0.10% | $10 | Base rate applied to all balances if monthly eligibility requirements are not met or if a withdrawal transaction occurs during the statement cycle. |
| Up to $500Requires meeting monthly qualification requirements (1 posted Round-Up transfer, deposit of $30 or two $15 deposits, no withdrawals, e-statements). | 10.47% | — | Requires meeting monthly qualification requirements (1 posted Round-Up transfer, deposit of $30 or two $15 deposits, no withdrawals, e-statements). |
| $500 – $1,000Applies to next $500 balance portion ($500.01 to $1,000.00). Blended APY ranges from 10.47% to 7.79%. Requires meeting monthly qualifications. | 5.13% | — | Applies to next $500 balance portion ($500.01 to $1,000.00). Blended APY ranges from 10.47% to 7.79%. Requires meeting monthly qualifications. |
| $1,000 – $2,000Applies to next $1,000 balance portion ($1,000.01 to $2,000.00). Blended APY ranges from 7.79% to 4.40%. Requires meeting monthly qualifications. | 1.01% | — | Applies to next $1,000 balance portion ($1,000.01 to $2,000.00). Blended APY ranges from 7.79% to 4.40%. Requires meeting monthly qualifications. |
| Over $2,000Applies to balance portions greater than $2,000.00. Blended APY ranges from 4.40% to 0.10%. Requires meeting monthly qualifications. | 0.10% | $10 | Applies to balance portions greater than $2,000.00. Blended APY ranges from 4.40% to 0.10%. Requires meeting monthly qualifications. |
Money Market
0.40%APY
$1,000.00 minimum opening deposit. A service fee of $10.00 is charged each month if the average daily balance falls below $1,000.00. Must maintain a minimum average daily balance of $5.00 to earn disclosed APY. Up to 6 withdrawals per statement cycle; $10 fee per excess transaction. Dormant fee of $5.00 per month after 12 months of inactivity.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier 1: Below $1,000.00. Minimum average daily balance of $5.00 required to obtain APY. The interest rate listed in each tier will be paid on the entire balance in your account. | 0.05% | — | Tier 1: Below $1,000.00. Minimum average daily balance of $5.00 required to obtain APY. The interest rate listed in each tier will be paid on the entire balance in your account. |
| $1,000 – $10,000Tier 2: Equal to or greater than $1,000.00 but less than $10,000.00. The interest rate listed in each tier will be paid on the entire balance in your account. Average daily balance of $1,000 avoids $10 monthly service fee. | 0.20% | — | Tier 2: Equal to or greater than $1,000.00 but less than $10,000.00. The interest rate listed in each tier will be paid on the entire balance in your account. Average daily balance of $1,000 avoids $10 monthly service fee. |
| $10,000 – $25,000Tier 3: Equal to or greater than $10,000.00 but less than $25,000.00. The interest rate listed in each tier will be paid on the entire balance in your account. | 0.40% | $40 | Tier 3: Equal to or greater than $10,000.00 but less than $25,000.00. The interest rate listed in each tier will be paid on the entire balance in your account. |
| $25,000 – $50,000Tier 4: Equal to or greater than $25,000.00 but less than $50,000.00. The interest rate listed in each tier will be paid on the entire balance in your account. | 0.65% | — | Tier 4: Equal to or greater than $25,000.00 but less than $50,000.00. The interest rate listed in each tier will be paid on the entire balance in your account. |
| $50,000 – $100,000Tier 5: Equal to or greater than $50,000.00 but less than $100,000.00. The interest rate listed in each tier will be paid on the entire balance in your account. | 0.85% | — | Tier 5: Equal to or greater than $50,000.00 but less than $100,000.00. The interest rate listed in each tier will be paid on the entire balance in your account. |
| $100,000 – $250,000Tier 6: Equal to or greater than $100,000.00 but less than $250,000.00. The interest rate listed in each tier will be paid on the entire balance in your account. | 1.11% | — | Tier 6: Equal to or greater than $100,000.00 but less than $250,000.00. The interest rate listed in each tier will be paid on the entire balance in your account. |
| $250,000 – $500,000Tier 7: Equal to or greater than $250,000.00 but less than $500,000.00. The interest rate listed in each tier will be paid on the entire balance in your account. | 1.61% | — | Tier 7: Equal to or greater than $250,000.00 but less than $500,000.00. The interest rate listed in each tier will be paid on the entire balance in your account. |
| $500,000 – $1,000,000Tier 8: Equal to or greater than $500,000.00 but less than $1,000,000.00. The interest rate listed in each tier will be paid on the entire balance in your account. | 2.12% | — | Tier 8: Equal to or greater than $500,000.00 but less than $1,000,000.00. The interest rate listed in each tier will be paid on the entire balance in your account. |
| $1,000,000 – $2,500,000Tier 9: Equal to or greater than $1,000,000.00 but less than $2,500,000.00. The interest rate listed in each tier will be paid on the entire balance in your account. | 2.63% | — | Tier 9: Equal to or greater than $1,000,000.00 but less than $2,500,000.00. The interest rate listed in each tier will be paid on the entire balance in your account. |
| $2,500,000 and upTier 10: Equal to or greater than $2,500,000.00. The interest rate listed in each tier will be paid on the entire balance in your account. | 3.04% | — | Tier 10: Equal to or greater than $2,500,000.00. The interest rate listed in each tier will be paid on the entire balance in your account. |
Sources (2)
- bankfirstfed.com/personal/pers…avings/money-market.html
- bankfirstfed.com/lending/home-…s/home-equity-loans.html
All captured Oct 22, 2026
Tax Advantaged Savings
0.50%APY
Must maintain an average daily balance of $100 to earn Annual Percentage Yield (APY). Must maintain $100 minimum daily balance to avoid $3 monthly service charge. Tax implications vary depending on individual tax situation.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,000Tier 1: Average daily balance $100 to $999.99. $3 monthly fee waived with $100 minimum daily balance. | 0.20% | — | Tier 1: Average daily balance $100 to $999.99. $3 monthly fee waived with $100 minimum daily balance. |
| $1,000 – $10,000Tier 2: Average daily balance $1,000 to $9,999.99. $3 monthly fee waived with $100 minimum daily balance. | 0.40% | — | Tier 2: Average daily balance $1,000 to $9,999.99. $3 monthly fee waived with $100 minimum daily balance. |
| $10,000 – $25,000Tier 3: Average daily balance $10,000 to $24,999.99. $3 monthly fee waived with $100 minimum daily balance. | 0.50% | $50 | Tier 3: Average daily balance $10,000 to $24,999.99. $3 monthly fee waived with $100 minimum daily balance. |
| $25,000 – $50,000Tier 4: Average daily balance $25,000 to $49,999.99. $3 monthly fee waived with $100 minimum daily balance. | 0.60% | — | Tier 4: Average daily balance $25,000 to $49,999.99. $3 monthly fee waived with $100 minimum daily balance. |
| $50,000 and upTier 5: Average daily balance $50,000+. $3 monthly fee waived with $100 minimum daily balance. | 0.70% | — | Tier 5: Average daily balance $50,000+. $3 monthly fee waived with $100 minimum daily balance. |
Sources (1)
- bankfirstfed.com/personal/pers…cal-savings-account.html · captured Oct 15, 2026
Idaho Medical Savings Account
0.45%APY
Available to Idaho residents saving for qualified medical expenses and long-term care costs. Must maintain an average daily balance of $5 to earn Annual Percentage Yield (APY). Must maintain $100 minimum daily balance to avoid $3 monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust maintain an average daily balance of $5 to earn APY. Monthly fee of $3 is waived by maintaining a $100 minimum daily balance.$5 and up | 0.45% | $45 | Must maintain an average daily balance of $5 to earn APY. Monthly fee of $3 is waived by maintaining a $100 minimum daily balance. |
Sources (2)
All captured Sep 16, 2026
Idaho First-Time Homebuyer Savings Account
Up to 0.25%APY
Account must be established by an Idaho resident first-time homebuyer who filed an Idaho state tax return for the most recent taxable year. Funds must be used for mortgage down-payment or closing costs. Must maintain an average daily balance of $5 to earn Annual Percentage Yield (APY).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upTier 1: $5+ daily balance. | 0.20% | $20 | Tier 1: $5+ daily balance. |
| $5,000 and upTier 2: $5,000+ daily balance. | 0.25% | $25 | Tier 2: $5,000+ daily balance. |
| $25,000 and upTier 3: $25,000+ daily balance. | 0.30% | — | Tier 3: $25,000+ daily balance. |
| $50,000 and upTier 4: $50,000+ daily balance. | 0.30% | — | Tier 4: $50,000+ daily balance. |
Sources (2)
All captured Oct 3, 2026
Savings Plus
Up to 0.12%APY
Must maintain an average daily balance of $5 to earn Annual Percentage Yield (APY).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upTier 1: $5 average daily balance. | 0.07% | $7 | Tier 1: $5 average daily balance. |
| $1,000 and upTier 2: $1,000 average daily balance. | 0.12% | $12 | Tier 2: $1,000 average daily balance. |
Regular Savings
0.10%APY
Must maintain an average daily balance of $5 to earn Annual Percentage Yield (APY).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust maintain an average daily balance of $5 to earn APY.$5 and up | 0.10% | $10 | Must maintain an average daily balance of $5 to earn APY. |
Special-purpose accounts
Kids Ca$h! Savings
0.10%APY
Account must be jointly owned with a parent, grandparent, guardian, or conservator. Must maintain an average daily balance of $5 to earn Annual Percentage Yield (APY). First Fed will deposit $5 upon completion of the account's first periodic statement cycle. Free piggybank available upon request.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust maintain an average daily balance of $5 to earn APY. Must be jointly owned with a parent, grandparent, guardian, or conservator.$5 and up | 0.10% | $10 | Must maintain an average daily balance of $5 to earn APY. Must be jointly owned with a parent, grandparent, guardian, or conservator. |
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.