Bank · FDIC insured
First Federal Savings & Loan Association Savings Rates
First Federal Savings & Loan Association’s best savings rate is 0.10% APY on $10,000, with its Daily Money Market. Rates checked October 22, 2026.
How First Federal Savings & Loan Association’s savings rates compare
Compared with banks and credit unions near Portland, OR-WA, where First Federal Savings & Loan Association has the most branches. $10,000, best rate first.
This bank’s best
First Federal Savings & Loan Association
0.10%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $10
Daily Money Market
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
First Federal Savings & Loan Association savings score
65
Savings score
Higher than 14% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.10%
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 Savings & Loan Association 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.
Daily Money Market
0.10%APY
There is no minimum balance required to earn the APY. Monthly service fee of $10.00 is avoided by maintaining a $1,000.00 daily balance. Maximum of 6 external transfers per statement cycle; no limits on frequency/amount of internal withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499No minimum balance required to earn APY. Maintain $1,000.00 daily balance to avoid $10.00 monthly service fee. | 0.10% | — | No minimum balance required to earn APY. Maintain $1,000.00 daily balance to avoid $10.00 monthly service fee. |
| $2,500 – $9,999No minimum balance required to earn APY. Maintain $1,000.00 daily balance to avoid $10.00 monthly service fee. | 0.10% | — | No minimum balance required to earn APY. Maintain $1,000.00 daily balance to avoid $10.00 monthly service fee. |
| $10,000 – $24,999No minimum balance required to earn APY. Maintain $1,000.00 daily balance to avoid $10.00 monthly service fee. | 0.10% | $10 | No minimum balance required to earn APY. Maintain $1,000.00 daily balance to avoid $10.00 monthly service fee. |
| $25,000 – $49,999No minimum balance required to earn APY. Maintain $1,000.00 daily balance to avoid $10.00 monthly service fee. | 0.15% | — | No minimum balance required to earn APY. Maintain $1,000.00 daily balance to avoid $10.00 monthly service fee. |
| $50,000 – $99,999No minimum balance required to earn APY. Maintain $1,000.00 daily balance to avoid $10.00 monthly service fee. | 0.15% | — | No minimum balance required to earn APY. Maintain $1,000.00 daily balance to avoid $10.00 monthly service fee. |
| $100,000 – $249,999No minimum balance required to earn APY. Maintain $1,000.00 daily balance to avoid $10.00 monthly service fee. | 0.15% | — | No minimum balance required to earn APY. Maintain $1,000.00 daily balance to avoid $10.00 monthly service fee. |
| $250,000 and upNo minimum balance required to earn APY. Maintain $1,000.00 daily balance to avoid $10.00 monthly service fee. | 0.15% | — | No minimum balance required to earn APY. Maintain $1,000.00 daily balance to avoid $10.00 monthly service fee. |
Sources (2)
All captured Oct 22, 2026
First-Time Home Buyer Savings Account
0.15%APY
Account can be opened anytime between January 1, 2019 through December 31, 2026. Money deposited in the account must be used to buy a single-family home within 10 years of account opening. A First-Time Home Buyer is defined as an Oregon Resident who hasn't purchased or owned a single-family home, either individually or jointly, in the three years prior to the date of their planned purchase of a new home in Oregon.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA total of six (6) external transfers may be made from the account per statement cycle. All funds withdrawn must be eligible expenses, or tax penalties may apply.Any balance | 0.15% | $15 | A total of six (6) external transfers may be made from the account per statement cycle. All funds withdrawn must be eligible expenses, or tax penalties may apply. |
Sources (2)
All captured Oct 22, 2026
Savings Account
0.02%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$3.00 monthly service fee applies if balance falls below the $100.00 minimum daily balance.Any balance | 0.02% | $2 | $3.00 monthly service fee applies if balance falls below the $100.00 minimum daily balance. |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Money Market
0.10%APY
There is no minimum balance required to earn the annual percentage yield (APY). Deposits are insured up to $250,000 by the FDIC.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499No minimum balance required to earn APY. | 0.10% | — | No minimum balance required to earn APY. |
| $2,500 – $9,999No minimum balance required to earn APY. | 0.10% | — | No minimum balance required to earn APY. |
| $10,000 – $24,999No minimum balance required to earn APY. | 0.10% | $10 | No minimum balance required to earn APY. |
| $25,000 – $49,999No minimum balance required to earn APY. | 0.15% | — | No minimum balance required to earn APY. |
| $50,000 – $99,999No minimum balance required to earn APY. | 0.15% | — | No minimum balance required to earn APY. |
| $100,000 – $249,999No minimum balance required to earn APY. | 0.15% | — | No minimum balance required to earn APY. |
| $250,000 and upNo minimum balance required to earn APY. | 0.15% | — | No minimum balance required to earn APY. |
Sources (1)
- firstfedweb.com/deposit-rates.html · captured Oct 22, 2026
Health Savings Account
0.05%APY
Must be enrolled in a high deductible plan to be eligible. Withdrawals must be for qualified medical expenses.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$15.00 annually, charged December 30. Paper statement fee of $3.00/month can be avoided by enrolling in free paperless eStatements.Any balance | 0.05% | $5 | $15.00 annually, charged December 30. Paper statement fee of $3.00/month can be avoided by enrolling in free paperless eStatements. |
Sources (2)
All captured Oct 22, 2026
Christmas Club
0.02%APY
In November we will send you a check — including interest. Withdrawals are limited to one. If additional withdrawals are needed the account may be transferred to a Savings Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceWithdrawals are limited to one. If additional withdrawals are needed the account may be transferred to a Savings Account.Any balance | 0.02% | $2 | Withdrawals are limited to one. If additional withdrawals are needed the account may be transferred to a Savings Account. |
Sources (2)
All captured Oct 22, 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.