First Federal Community Bank Savings & Money Market Rates

How First Federal Community Bank’s savings 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
0.71%APY
Requires
Monthly account activity
Minimum
$1
Earns on $10,000 a year
$71
First Fed Plus Savings
Top rate
Huntington Bank
3.25%APY
Requires
Another account
Minimum
$100
Earns on $10,000 a year
$325
Huntington Bank rates
2nd-highest rate
Directions Credit Union
2.43%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$243
Directions Credit Union rates

Compare savings rates near you →

66

Savings score

Higher than 16% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.04%
$10,000 balance$10,0000.04%
$100,000 balance$100,0000.35%
QualifiedQualified0.71%

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.

How the score works →

Where First Federal Community 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.

First Fed Plus Savings

Up to 0.71%APYRequirements apply$1 to open

Links to free First Fed Cash checking.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceWhen monthly qualifications are met in linked First Fed Cash account during each Monthly Qualification Cycle: at least one direct deposit or ACH payment transaction post and settle, at least 12 signature-based debit card purchases post and settle, and enrolled in and agree to receive eStatements.Any balance	0.71%	$71	When monthly qualifications are met in linked First Fed Cash account during each Monthly Qualification Cycle: at least one direct deposit or ACH payment transaction post and settle, at least 12 signature-based debit card purchases post and settle, and enrolled in and agree to receive eStatements.
Any balanceBase dividend rate applied to all balances if monthly qualifications are not met in First Fed Cash account.Any balance	0.01%	$1	Base dividend rate applied to all balances if monthly qualifications are not met in First Fed Cash account.

Sources (3)

All captured Oct 6, 2026

First Choice Money Market Account

0.04%APY

12 or fewer debits/withdrawals per statement cycle with no transaction fee, otherwise $5 each. Access to funds by direct check-writing ability, ACH, or debit card.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $20,000	0.04%	$4
$20,000 – $75,000	0.15%	—
$75,000 – $250,000	0.35%	—
$250,000 – $500,000	0.50%	—
$500,000 and up	0.55%	—

Sources (2)

All captured Oct 6, 2026

Simple Money Market Account

0.04%APY

12 or fewer debits/withdrawals per statement cycle with no transaction fee, otherwise $5 each. Access to funds by in-person withdrawal, internal transfer using online banking, contacting a bank representative, or wire transfer.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $20,000	0.04%	$4
$20,000 – $75,000	0.15%	—
$75,000 – $250,000	0.35%	—
$250,000 – $500,000	0.50%	—
$500,000 and up	0.55%	—

Sources (2)

All captured Oct 6, 2026

First Choice Savings

0.02%APY$100 to open

May be used as overdraft protection.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upAvoid the $7 monthly service charge by maintaining a minimum $100 daily balance; fee waived for accountholders under 18 years of age.$100 and up	0.02%	$2	Avoid the $7 monthly service charge by maintaining a minimum $100 daily balance; fee waived for accountholders under 18 years of age.

Sources (3)

All captured Oct 6, 2026

Special-purpose accounts

Health Savings Account (HSA)

1.00%APYHSA

Tax-exempt savings account established for paying or reimbursing qualified medical expenses. Must be covered under a high-deductible health plan (HDHP).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $1,000	0.05%	—
$1,000 – $5,000	0.06%	—
$5,000 – $25,000	1.00%	$100
$25,000 – $50,000	2.02%	—
$50,000 and up	3.04%	—

Sources (3)

All captured Oct 6, 2026

Christmas Club

0.02%APYClub

A transfer of full balance plus interest is made to your preferred First Federal account in October.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum balance requirements. $40 penalty if funds are withdrawn within the first 90 days.Any balance	0.02%	$2	No minimum balance requirements. $40 penalty if funds are withdrawn within the first 90 days.

Sources (3)

All captured Oct 6, 2026

Vacation Club

0.02%APYClub

A transfer of full balance plus interest is made to your preferred First Federal account in March.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum balance requirements. $40 penalty if funds are withdrawn within the first 90 days.Any balance	0.02%	$2	No minimum balance requirements. $40 penalty if funds are withdrawn within the first 90 days.

Sources (3)

All captured Oct 6, 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.

Visit institution website ↗Branches and institution details

How First Federal Community Bank’s savings rates compare

First Federal Community Bank savings score

Current savings rates

First Fed Plus Savings

First Choice Money Market Account

Simple Money Market Account

First Choice Savings

Special-purpose accounts

Health Savings Account (HSA)

Christmas Club

Vacation Club

Opening an account