Bank · FDIC insured
First Federal Bank Savings Rates
First Federal Bank’s best savings rate is 0.01% APY on $10,000, with its Statement Savings. Rates checked October 15, 2026.
How First Federal Bank’s savings 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
0.16%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $16
Cash Management
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
First Federal Bank savings score
62
Savings score
Higher than 7% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.01%
- $100,000 balance$100,0000.01%
- QualifiedQualified0.16%
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.
Cash Management
0.16%APY
Requires maintaining a First Federal Bank checking account. Up to 6 transfers per month allowed by telephone, preauthorized transfer, or other customer order; $10 charge per withdrawal over 6 per month. $14 monthly fee waived with a $2,500 daily balance. Interest compounded daily and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Maintain $2,500 daily balance to waive the $14 monthly service charge. | 0.01% | — | Maintain $2,500 daily balance to waive the $14 monthly service charge. |
| $10,000 – $50,000Maintain $2,500 daily balance to waive the $14 monthly service charge. | 0.16% | $16 | Maintain $2,500 daily balance to waive the $14 monthly service charge. |
| $50,000 – $250,000Maintain $2,500 daily balance to waive the $14 monthly service charge. | 0.53% | — | Maintain $2,500 daily balance to waive the $14 monthly service charge. |
| $250,000 – $750,000Maintain $2,500 daily balance to waive the $14 monthly service charge. | 0.74% | — | Maintain $2,500 daily balance to waive the $14 monthly service charge. |
| $750,000 – $1,000,000Maintain $2,500 daily balance to waive the $14 monthly service charge. | 0.87% | — | Maintain $2,500 daily balance to waive the $14 monthly service charge. |
| $1,000,000 and upMaintain $2,500 daily balance to waive the $14 monthly service charge. | 1.08% | — | Maintain $2,500 daily balance to waive the $14 monthly service charge. |
Statement Savings
0.01%APY
For individuals ages 18 and older. Quarterly fee of $13 (maintain $500 daily balance to waive). $6 charge per withdrawal over 9 per quarter including in-person withdrawals. Interest compounded daily and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upEarn interest on daily balances > $1,000.$1,000 and up | 0.01% | $1 | Earn interest on daily balances > $1,000. |
Special-purpose accounts
Health Savings Account
0.03%APY
For individuals with a qualified high-deductible health plan. $3 monthly fee waived by maintaining a $1,000 daily balance, using e-statements, or setting up Direct Deposit. Interest compounded daily and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Maintain $1,000 daily balance, use e-statements, or setup Direct Deposit to waive the $3/month service charge. | 0.01% | — | Maintain $1,000 daily balance, use e-statements, or setup Direct Deposit to waive the $3/month service charge. |
| $2,500 – $10,000Maintain $1,000 daily balance, use e-statements, or setup Direct Deposit to waive the $3/month service charge. | 0.01% | — | Maintain $1,000 daily balance, use e-statements, or setup Direct Deposit to waive the $3/month service charge. |
| $10,000 and upMaintain $1,000 daily balance, use e-statements, or setup Direct Deposit to waive the $3/month service charge. | 0.03% | $3 | Maintain $1,000 daily balance, use e-statements, or setup Direct Deposit to waive the $3/month service charge. |
Student Savers
0.01%APY
For individuals ages 0-24. Parent or guardian must be a signer on the account with a minor under 16 years old. At age 25, the account will convert to a Statement Savings account. $4 charge per withdrawal over 9 per quarter including in-person withdrawals. Interest compounded daily and credited quarterly. Account earns no interest any day the balance falls below $5.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upEarn interest on daily balances >= $5.00.$5 and up | 0.01% | $1 | Earn interest on daily balances >= $5.00. |
Sources (5)
- ffbf.com
- ffbf.com/kids-savings
- ffbf.com/personal/savings
- ffbf.com/personal/super-savers-kids
- ffbf.com/rates
All captured Sep 18, 2026
Vacation & Christmas Club
0.01%APY
For ages 18+. Requires Elite or Enhanced checking account with a minimum $10 automatic monthly transfer. Vacation Club payout date is May 1; Christmas Club payout date is November 1. $25 fee for each early withdrawal. Interest compounded daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upEarns interest on daily balances > $1,000.$1,000 and up | 0.01% | $1 | Earns interest on daily balances > $1,000. |
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.