Bank · FDIC insured
First Federal Savings & Loan Savings Rates
First Federal Savings & Loan’s best savings rate is 2.66% APY on $10,000, with its Public Fund. Rates checked October 15, 2026.
How First Federal Savings & Loan’s savings rates compare
Compared with banks and credit unions near Greensburg, IN, where First Federal Savings & Loan has the most branches. $10,000, best rate first.
This bank’s best
First Federal Savings & Loan
2.66%APY
- Minimum
- —
- Earns on $10,000 a year
- $266
Public Fund
2nd-highest rate
Centra Credit Union
1.35%APY
- Minimum
- —
- Earns on $10,000 a year
- $135
3rd-highest rate
Honda Federal Credit Union
0.70%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $70
First Federal Savings & Loan savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.25%
- $10,000 balance$10,0002.25%
- $100,000 balance$100,0002.25%
- QualifiedQualified2.25%
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 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.
Public Fund
2.66%APY
Subject to prior approval by Board of Directors. Domicile requirement: must be in Shelby, Decatur or contiguous counties excluding Marion. Rates may change daily.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSubject to prior approval by Board of Directors. Domicile requirement: must be in Shelby, Decatur or contiguous counties excluding Marion. Rates may change daily.Any balance | 2.66% | $266 | Subject to prior approval by Board of Directors. Domicile requirement: must be in Shelby, Decatur or contiguous counties excluding Marion. Rates may change daily. |
Sources (1)
- ffsg.net/banking-services/savings-accounts · captured Oct 15, 2026
CDR Savings
2.25%APY
Subject to First Federal domicile requirement (Shelby, Decatur or contiguous counties excluding Marion). Discretionary daily rate changes. Tiered interest rate structure.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250,000Tier 1: Paid on entire daily balance of $250,000 or less. | 2.25% | $225 | Tier 1: Paid on entire daily balance of $250,000 or less. |
| $250,000 and upTier 2: 1.20% interest rate paid only for that portion of daily balance greater than $250,000. Blended APY ranges from 1.73% to 2.26% depending on balance. | 1.21% | — | Tier 2: 1.20% interest rate paid only for that portion of daily balance greater than $250,000. Blended APY ranges from 1.73% to 2.26% depending on balance. |
Sources (1)
- ffsg.net/banking-services/savings-accounts · captured Oct 15, 2026
Hometown Money Market
0.40%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier 1: No interest will be paid on balance less than $1,000.00. Per item fee of $10.00 for each withdrawal greater than 6 per month, excluding teller withdrawals. | 0.00% | — | Tier 1: No interest will be paid on balance less than $1,000.00. Per item fee of $10.00 for each withdrawal greater than 6 per month, excluding teller withdrawals. |
| $1,000 – $250,000Tier 2: Interest rate of 0.40% on balance greater than $1,000.00 but less than $250,000.00. APY ranges from 0.00% to 0.40%. Per item fee of $10.00 for each withdrawal greater than 6 per month, excluding teller withdrawals. | 0.40% | $40 | Tier 2: Interest rate of 0.40% on balance greater than $1,000.00 but less than $250,000.00. APY ranges from 0.00% to 0.40%. Per item fee of $10.00 for each withdrawal greater than 6 per month, excluding teller withdrawals. |
| $250,000 and upTier 3: Interest rate of 0.35% on balance greater than $249,999.99. APY ranges from 0.35% to 0.40%. Per item fee of $10.00 for each withdrawal greater than 6 per month, excluding teller withdrawals. | 0.35% | — | Tier 3: Interest rate of 0.35% on balance greater than $249,999.99. APY ranges from 0.35% to 0.40%. Per item fee of $10.00 for each withdrawal greater than 6 per month, excluding teller withdrawals. |
Sources (1)
- ffsg.net/banking-services/money-market-accounts · captured Sep 18, 2026
Money Market
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- ffsg.net/banking-services/money-market-accounts · captured Sep 18, 2026
(KISS) – Keep It Simple Savings
0.10%APY
Subject to First Federal domicile requirement (Shelby, Decatur or contiguous counties excluding Marion). Discretionary daily rate changes.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- ffsg.net/banking-services/savings-accounts · captured Oct 15, 2026
KISS Shelby Savings
0.10%APY
Subject to First Federal domicile requirement (Shelby, Decatur or contiguous counties excluding Marion). Discretionary daily rate changes.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- ffsg.net/banking-services/savings-accounts · captured Oct 15, 2026
Statement Savings
0.10%APY
Subject to First Federal domicile requirement (Shelby, Decatur or contiguous counties excluding Marion). Discretionary daily rate changes.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- ffsg.net/banking-services/savings-accounts · captured Oct 15, 2026
Special-purpose accounts
CDR IRA Savings
2.25%APY
Subject to First Federal domicile requirement (Shelby, Decatur or contiguous counties excluding Marion). Discretionary daily rate changes.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.25% | $225 |
Sources (1)
- ffsg.net/banking-services/savings-accounts · captured Oct 15, 2026
Hometown IRA Money Market
0.40%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $250,000Tier 2: Paid only on portion of daily balance greater than $1,000.00 but less than $250,000.00; APY ranges from 0.00% to 0.40% depending on balance | 0.40% | $40 | Tier 2: Paid only on portion of daily balance greater than $1,000.00 but less than $250,000.00; APY ranges from 0.00% to 0.40% depending on balance |
| $250,000 and upTier 3: Paid only on portion of daily balance greater than $249,999.99; APY ranges from 0.35% to 0.40% depending on balance (disclosed APY based on balance of $500,000) | 0.35% | — | Tier 3: Paid only on portion of daily balance greater than $249,999.99; APY ranges from 0.35% to 0.40% depending on balance (disclosed APY based on balance of $500,000) |
Sources (1)
- ffsg.net/banking-services/money-market-accounts · captured Sep 18, 2026
Health Savings Account
0.10%APY
Subject to First Federal domicile requirement (Shelby, Decatur or contiguous counties excluding Marion). Discretionary daily rate changes.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- ffsg.net/banking-services/savings-accounts · captured Oct 15, 2026
Christmas Club
0.01%APY
Subject to First Federal domicile requirement (Shelby, Decatur or contiguous counties excluding Marion). Discretionary daily rate changes.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (1)
- ffsg.net/banking-services/savings-accounts · captured Oct 15, 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.