Bank · FDIC insured
First Federal Community Bank CD Rates
First Federal Community Bank’s best CD rate is 4.44% APY on a 25-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First Federal Community Bank’s CD rates compare
Compared with banks and credit unions near New Philadelphia, OH, where First Federal Community Bank has the most branches. $10,000, best rate first.
This bank’s best
First Federal Community Bank
4.44%APY
- Term
- 25 months
- Minimum
- $500
- Earns on $10,000
- $947
Certificates of Deposit (CDs)
Top rate
SSB Community Bank
4.60%APY
- Term
- 26 months
- Minimum
- $1,000
- Earns on $10,000
- $1,023
3rd-highest rate
The First National Bank of Dennison
4.33%APY
- Term
- 5 months
- Minimum
- $5,000
- Earns on $10,000
- $178
First Federal Community Bank CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo4.33%
- 9–15 months9–15 mo4.39%
- 16–30 months16–30 mo4.44%
- 31–60 months31–60 mo0.65%
- QualifiedQualified4.44%
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 Community 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.
Certificates of Deposit (CDs)
Up to 4.44%APY · 12 terms
Fixed rates; no setup or maintenance fees; interest earnings can be withdrawn without penalty; penalty applies if principal is withdrawn before maturity; $5,000 minimum balance required to receive monthly ACH transfer of interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months$5,000 minimum balance required to receive ACH transfer of interest; penalties for early withdrawal | 0.20% | $5 |
| 6 months$5,000 minimum balance required to receive ACH transfer of interest; penalties for early withdrawal | 0.20% | $10 |
| 7 monthsCurrent Special; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity | 4.33% | $250 |
| 12 months$5,000 minimum balance required to receive ACH transfer of interest; penalties for early withdrawal | 0.30% | $30 |
| 13 monthsCurrent Special; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity | 4.39% | $476 |
| 18 months$5,000 minimum balance required to receive ACH transfer of interest; penalties for early withdrawal | 0.35% | $53 |
| 24 months$5,000 minimum balance required to receive ACH transfer of interest; penalties for early withdrawal | 0.40% | $80 |
| 25 monthsCurrent Special; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity | 4.44% | $947 |
| 30 months$5,000 minimum balance required to receive ACH transfer of interest; penalties for early withdrawal | 0.45% | $113 |
| 36 months$5,000 minimum balance required to receive ACH transfer of interest; penalties for early withdrawal | 0.50% | $151 |
| 48 months$5,000 minimum balance required to receive ACH transfer of interest; penalties for early withdrawal | 0.55% | $222 |
| 60 months$5,000 minimum balance required to receive ACH transfer of interest; penalties for early withdrawal | 0.65% | $329 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificate of Deposit (CD)
Up to 4.44%APY · 3 terms
Traditional, Roth, and SEP IRA options available; CDs available for purchases of $500 or more; no setup fees; no monthly or annual maintenance fees; early withdrawals subject to penalty; $5,000 minimum balance required to receive monthly ACH transfer of interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsCurrent Special; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity | 4.33% | $250 |
| 13 monthsCurrent Special; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity | 4.39% | $476 |
| 25 monthsCurrent Special; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity | 4.44% | $947 |
Sources (2)
All captured Oct 16, 2026
Health Savings Certificate of Deposit (CD)
Up to 4.02%APY · 12 terms
Tax-exempt account established for paying or reimbursing qualified medical expenses; offers a fixed interest rate for a set term; $5,000 minimum balance required to receive ACH transfer of interest; penalties for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTax-exempt account established for paying or reimbursing qualified medical expenses; $5,000 minimum balance required to receive ACH transfer of interest; penalties for early withdrawal | 0.20% | $5 |
| 6 monthsTax-exempt account established for paying or reimbursing qualified medical expenses; $5,000 minimum balance required to receive ACH transfer of interest; penalties for early withdrawal | 0.20% | $10 |
| 7 monthsCurrent Special; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity | 4.02% | $233 |
| 12 monthsTax-exempt account established for paying or reimbursing qualified medical expenses; $5,000 minimum balance required to receive ACH transfer of interest; penalties for early withdrawal | 0.30% | $30 |
| 13 monthsCurrent Special; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity | 4.02% | $436 |
| 18 monthsTax-exempt account established for paying or reimbursing qualified medical expenses; $5,000 minimum balance required to receive ACH transfer of interest; penalties for early withdrawal | 0.35% | $53 |
| 24 monthsTax-exempt account established for paying or reimbursing qualified medical expenses; $5,000 minimum balance required to receive ACH transfer of interest; penalties for early withdrawal | 0.40% | $80 |
| 25 monthsCurrent Special; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity | 4.02% | $856 |
| 30 monthsTax-exempt account established for paying or reimbursing qualified medical expenses; $5,000 minimum balance required to receive ACH transfer of interest; penalties for early withdrawal | 0.45% | $113 |
| 36 monthsTax-exempt account established for paying or reimbursing qualified medical expenses; $5,000 minimum balance required to receive ACH transfer of interest; penalties for early withdrawal | 0.50% | $151 |
| 48 monthsTax-exempt account established for paying or reimbursing qualified medical expenses; $5,000 minimum balance required to receive ACH transfer of interest; penalties for early withdrawal | 0.55% | $222 |
| 60 monthsTax-exempt account established for paying or reimbursing qualified medical expenses; $5,000 minimum balance required to receive ACH transfer of interest; penalties for early withdrawal | 0.65% | $329 |
Sources (2)
All captured Sep 17, 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.