Bank · FDIC insured
First Federal Savings & Loan CD Rates
First Federal Savings & Loan’s best CD rate is 4.00% APY on a 2-year CD. Terms run from 6 months to 8 years. Rates checked October 22, 2026.
How First Federal Savings & Loan’s CD rates compare
Compared with banks and credit unions near Gulfport, MS, where First Federal Savings & Loan has the most branches. $10,000, best rate first.
This bank’s best
First Federal Savings & Loan
4.00%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $816
Certificate of Deposit
Top rate
All In Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $656
2nd-highest rate
Sunbelt Federal Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $656
First Federal Savings & Loan CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo1.85%
- QualifiedQualified4.00%
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 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.
Certificate of Deposit
Up to 4.00%APY · 10 terms
$1,000 minimum balance to open. Term 6 months to 8 years. Early withdrawal penalties apply (term < 1 yr: 3 mos interest; 1 to 1.75 yrs: 6 mos interest; 2 yrs+: 12 mos interest). Interest is simple and pays at maturity. APY assumes principal remains on deposit. Limited time specials: 7 mo. Smart CD Special, 13 mo. Smart CD Special, and Bump & Run 24 Mo. CD Special.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest is simple and pays at maturity. APY assumes principal remains on deposit | 1.50% | $75 |
| 7 monthsLimited offer. Minimum balance to open is $1,000. Interest is simple and pays at maturity. APY assumes principal remains on deposit | 3.25% | $188 |
| 12 monthsInterest is simple and pays at maturity. APY assumes principal remains on deposit | 2.00% | $200 |
| 13 monthsLimited offer. Minimum balance to open is $1,000. Interest is simple and pays at maturity. APY assumes principal remains on deposit | 3.00% | $325 |
| 24 monthsInterest is simple and pays at maturity. APY assumes principal remains on deposit | 1.25% | $252 |
| 24 monthsLimited offer. Minimum balance to open is $1,000. Interest is simple and pays at maturity. APY assumes principal remains on deposit | 4.00% | $816 |
| 36 monthsInterest is simple and pays at maturity. APY assumes principal remains on deposit | 1.70% | $519 |
| 48 monthsInterest is simple and pays at maturity. APY assumes principal remains on deposit | 1.50% | $614 |
| 60 monthsInterest is simple and pays at maturity. APY assumes principal remains on deposit | 1.85% | $960 |
| 72 monthsInterest is simple and pays at maturity. APY assumes principal remains on deposit | 1.45% | $902 |
| 96 monthsInterest is simple and pays at maturity. APY assumes principal remains on deposit | 1.50% | $1,265 |
Jumbo Certificate of Deposit
Up to 2.10%APY · 6 terms
$100,000 minimum balance to open and earn APY. Not available for online account opening. Term 6 months to 8 years. Early withdrawal penalties apply. APY assumes principal and interest remain on deposit. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAPY assumes principal and interest remain on deposit. Early withdrawal penalties apply. Fees could reduce the earnings on the account | 1.60% | — |
| 12 monthsAPY assumes principal and interest remain on deposit. Early withdrawal penalties apply. Fees could reduce the earnings on the account | 2.10% | — |
| 24 monthsAPY assumes principal and interest remain on deposit. Early withdrawal penalties apply. Fees could reduce the earnings on the account | 1.35% | — |
| 36 monthsAPY assumes principal and interest remain on deposit. Early withdrawal penalties apply. Fees could reduce the earnings on the account | 1.80% | — |
| 60 monthsAPY assumes principal and interest remain on deposit. Early withdrawal penalties apply. Fees could reduce the earnings on the account | 1.95% | — |
| 96 monthsAPY assumes principal and interest remain on deposit. Early withdrawal penalties apply. Fees could reduce the earnings on the account | 1.60% | — |
Special-purpose accounts
IRA Certificate of Deposit
Up to 2.00%APY · 5 terms
Minimum balance to open is $1,000.00. Available as Traditional IRA or Roth IRA. Interest is simple and pays at maturity. APY assumes principal remains on deposit. Term lengths offered from six months to eight years.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest is simple and pays at maturity. APY assumes principal remains on deposit | 1.50% | $75 |
| 12 monthsInterest is simple and pays at maturity. APY assumes principal remains on deposit | 2.00% | $200 |
| 18 monthsInterest is simple and pays at maturity. APY assumes principal remains on deposit | 1.50% | $226 |
| 36 monthsInterest is simple and pays at maturity. APY assumes principal remains on deposit | 1.70% | $519 |
| 60 monthsInterest is simple and pays at maturity. APY assumes principal remains on deposit | 1.85% | $960 |
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.