Bank · FDIC insured
First Federal Bank CD Rates
First Federal Bank’s best CD rate is 1.07% APY on a 6-month CD. Terms run from 1 month to 5 years. Rates checked October 15, 2026.
How First Federal Bank’s CD rates compare
Compared with banks and credit unions near Jacksonville, FL, where First Federal Bank has the most branches. $10,000, best rate first.
This bank’s best
First Federal Bank
1.05%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $158
Certificate of Deposit
Top rate
RadiFi Credit Union
4.91%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $366
2nd-highest rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $347
First Federal Bank CD score
61
CD score
Higher than 5% of U.S. banks and credit unions
- 3–8 months3–8 mo1.01%
- 9–15 months9–15 mo1.03%
- 16–30 months16–30 mo1.05%
- 31–60 months31–60 mo1.05%
- QualifiedQualified1.05%
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.
Certificate of Deposit
Up to 1.05%APY · 9 terms
Terms range from 30 days to 5 years. Automatic renewal at the end of the term. Penalty applies if withdrawn before maturity. Compounded interest can be credited to CD or another First Federal account.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 1 monthFor Certificate of Deposits having a term of 30 days interest will compound and credit monthly | 0.92% | 0.92% | 0.92% | 0.94% | 0.94% | 0.92%0.92% $1k–$10k0.92% $25k–$50k0.94% $50k–$100k0.94% from $100k | $8 |
| 3 monthsFor Certificate of Deposits with a terms of 91 days, interest will compound quarterly and credit at maturity | 0.93% | 0.93% | 0.93% | 0.99% | 1.01% | 0.93%0.93% $1k–$10k0.93% $25k–$50k0.99% $50k–$100k1.01% from $100k | $23 |
| 6 monthsFor Certificate of Deposit greater than 91 days, interest will compound and credit quarterly. Term is 182 days | 1.01% | 1.01% | 1.01% | 1.04% | 1.07% | 1.01%1.01% $1k–$10k1.01% $25k–$50k1.04% $50k–$100k1.07% from $100k | $50 |
| 12 monthsFor Certificate of Deposit greater than 91 days, interest will compound and credit quarterly | 1.03% | 1.03% | 1.03% | 1.06% | 1.07% | 1.03%1.03% $1k–$10k1.03% $25k–$50k1.06% $50k–$100k1.07% from $100k | $103 |
| 18 monthsFor Certificate of Deposit greater than 91 days, interest will compound and credit quarterly | 1.05% | 1.05% | 1.05% | 1.06% | 1.07% | 1.05%1.05% $1k–$10k1.05% $25k–$50k1.06% $50k–$100k1.07% from $100k | $158 |
| 24 monthsFor Certificate of Deposit greater than 91 days, interest will compound and credit quarterly | 1.05% | 1.05% | 1.05% | 1.06% | 1.07% | 1.05%1.05% $1k–$10k1.05% $25k–$50k1.06% $50k–$100k1.07% from $100k | $211 |
| 36 monthsFor Certificate of Deposit greater than 91 days, interest will compound and credit quarterly | 1.05% | 1.05% | 1.05% | 1.06% | 1.07% | 1.05%1.05% $1k–$10k1.05% $25k–$50k1.06% $50k–$100k1.07% from $100k | $318 |
| 48 monthsFor Certificate of Deposit greater than 91 days, interest will compound and credit quarterly | 1.05% | 1.05% | 1.05% | 1.06% | 1.07% | 1.05%1.05% $1k–$10k1.05% $25k–$50k1.06% $50k–$100k1.07% from $100k | $427 |
| 60 monthsFor Certificate of Deposit greater than 91 days, interest will compound and credit quarterly | 1.05% | 1.05% | 1.05% | 1.06% | 1.07% | 1.05%1.05% $1k–$10k1.05% $25k–$50k1.06% $50k–$100k1.07% from $100k | $536 |
Out of Market CD
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $20,000 and up | 0.01% | — |
Sources (1)
- ffbf.com/rates · captured Sep 18, 2026
Opening an account
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