Bank · FDIC insured
First Federal Middletown Savings Rates
First Federal Middletown’s best savings rate is 1.26% APY on $10,000, with its Money Market Preferred Account. Rates checked October 16, 2026.
How First Federal Middletown’s savings rates compare
Compared with banks and credit unions near Kiryas Joel, NY, where First Federal Middletown has the most branches. $10,000, best rate first.
This bank’s best
First Federal Middletown
1.26%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $126
Money Market Preferred Account
Top rate
Beacon Bank
3.20%APY
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000 a year
- $320
2nd-highest rate
International Bank of Chicago
3.20%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $320
First Federal Middletown savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0001.26%
- $10,000 balance$10,0001.26%
- $100,000 balance$100,0001.51%
- QualifiedQualified1.26%
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 Middletown 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.
Money Market Preferred Account
1.26%APY
New money not on deposit with First Federal Savings. Variable rate account. Monthly fee of $7 and no interest earned if balance falls below $1,000 at any time during the month. Regulation D transfer limits apply (max 6 per month).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier $.01 - $999.99. New money not on deposit with First Federal Savings. If balance falls below $1,000 at any time during the month, account is charged a $7 fee and will not earn interest. | 0.00% | — | Tier $.01 - $999.99. New money not on deposit with First Federal Savings. If balance falls below $1,000 at any time during the month, account is charged a $7 fee and will not earn interest. |
| $1,000 – $50,000New money not on deposit with First Federal Savings. Monthly fee of $7 waived when balance stays at or above $1,000. | 1.26% | $126 | New money not on deposit with First Federal Savings. Monthly fee of $7 waived when balance stays at or above $1,000. |
| $50,000 and upNew money not on deposit with First Federal Savings. Monthly fee of $7 waived when balance stays at or above $1,000. | 1.51% | — | New money not on deposit with First Federal Savings. Monthly fee of $7 waived when balance stays at or above $1,000. |
Sources (2)
- firstfederalmiddletown.com/files/middletown-rates.pdf
- firstfederalmiddletown.com/files/middletown-brochure.pdf
All captured Sep 17, 2026
Money Market Premium Account
0.10%APY
Variable rate account. Monthly account fee of $10 imposed every statement cycle if balance falls below $2,500 on any day of the cycle. Regulation D transfer limits apply (max 6 per month).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier $.01 - $2,499.99. Monthly fee of $10 imposed if balance falls below $2,500 on any day of the cycle. | 0.03% | — | Tier $.01 - $2,499.99. Monthly fee of $10 imposed if balance falls below $2,500 on any day of the cycle. |
| $2,500 – $20,000Monthly fee of $10 waived when balance stays at or above $2,500 on every day of the statement cycle. | 0.10% | $10 | Monthly fee of $10 waived when balance stays at or above $2,500 on every day of the statement cycle. |
| $20,000 – $50,000Monthly fee of $10 waived when balance stays at or above $2,500 on every day of the statement cycle. | 0.25% | — | Monthly fee of $10 waived when balance stays at or above $2,500 on every day of the statement cycle. |
| $50,000 – $100,000Monthly fee of $10 waived when balance stays at or above $2,500 on every day of the statement cycle. | 0.50% | — | Monthly fee of $10 waived when balance stays at or above $2,500 on every day of the statement cycle. |
| $100,000 – $250,000Monthly fee of $10 waived when balance stays at or above $2,500 on every day of the statement cycle. | 0.50% | — | Monthly fee of $10 waived when balance stays at or above $2,500 on every day of the statement cycle. |
| $250,000 and upMonthly fee of $10 waived when balance stays at or above $2,500 on every day of the statement cycle. | 1.00% | — | Monthly fee of $10 waived when balance stays at or above $2,500 on every day of the statement cycle. |
Sources (2)
- firstfederalmiddletown.com/files/middletown-rates.pdf
- firstfederalmiddletown.com/files/middletown-brochure.pdf
All captured Sep 17, 2026
Money Market Plus Account
0.10%APY
Variable rate account. Monthly fee of $7 if balance falls below $1,000 at any time during the month. Regulation D transfer limits apply (max 6 per month).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier $.01 - $999.99. Minimum balance to avoid $7 monthly fee is $1,000. | 0.01% | — | Tier $.01 - $999.99. Minimum balance to avoid $7 monthly fee is $1,000. |
| $1,000 – $50,000Monthly fee of $7 waived with minimum balance of $1,000. | 0.10% | $10 | Monthly fee of $7 waived with minimum balance of $1,000. |
| $50,000 and upMonthly fee of $7 waived with minimum balance of $1,000. | 0.50% | — | Monthly fee of $7 waived with minimum balance of $1,000. |
Sources (2)
- firstfederalmiddletown.com/files/middletown-rates.pdf
- firstfederalmiddletown.com/files/middletown-brochure.pdf
All captured Sep 17, 2026
Statement Savings Account
0.20%APY
Variable-rate interest-bearing statement savings account. Interest compounded daily and credited monthly. If closed before interest is credited, uncredited interest is not paid. Excess activity fee of $10 applies if Regulation D limits are exceeded.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust maintain a minimum balance of at least $100 each day to obtain disclosed APY. $5.00 monthly fee charged if balance falls below $100.00 at any time. Must make at least one deposit or withdrawal per year to prevent monthly inactivity fee.$100 and up | 0.20% | $20 | Must maintain a minimum balance of at least $100 each day to obtain disclosed APY. $5.00 monthly fee charged if balance falls below $100.00 at any time. Must make at least one deposit or withdrawal per year to prevent monthly inactivity fee. |
Sources (2)
- firstfederalmiddletown.com/files/middletown-rates.pdf
- firstfederalmiddletown.com/files/middletown-brochure.pdf
All captured Sep 17, 2026
Passbook Savings Account
0.15%APY
Variable-rate interest-bearing passbook savings account. Interest compounded daily and credited quarterly. If closed before interest is credited, accrued interest is not received. Excess activity fee of $10 applies if Regulation D limits are exceeded.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMust maintain a balance of at least $500 each day to obtain disclosed APY; no interest earned below $500. Account closed and $10 fee charged if balance falls below $300.$500 and up | 0.15% | $15 | Must maintain a balance of at least $500 each day to obtain disclosed APY; no interest earned below $500. Account closed and $10 fee charged if balance falls below $300. |
Sources (2)
- firstfederalmiddletown.com/files/middletown-rates.pdf
- firstfederalmiddletown.com/files/middletown-brochure.pdf
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.