Bank · FDIC insured
First Federal Savings & Loan Savings Rates
First Federal Savings & Loan’s best savings rate is 2.65% APY on $10,000, with its Essential Savings. Rates checked October 22, 2026.
How First Federal Savings & Loan’s savings 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
2.65%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $265
Essential Savings
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Navigator Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $325
First Federal Savings & Loan savings score
83
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0002.90%
- QualifiedQualified0.75%
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.
Essential Savings
2.65%APY
Must be applied for through the website (www.firstwithus.com). Interest rate listed in each tier is paid on the entire balance in the account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100,000 | 2.65% | $265 |
| $100,000 – $250,000 | 2.90% | — |
| $250,000 and up | 3.15% | — |
Sources (4)
- firstwithus.com
- firstwithus.com/rates.html
- firstwithus.com/savings.html
- firstwithus.com/sft1916/essential-savings.pdf
All captured Sep 19, 2026
First Choice Money Market
0.75%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10,000 and up | 0.75% | $75 |
| $100,000 and up | 1.00% | — |
| $250,000 and up | 1.25% | — |
Sources (1)
- firstwithus.com/rates.html · captured Sep 19, 2026
First Catastrophe Savings
0.50%APY
Must be established by a Mississippi Income taxpayer to assist with post-catastrophe losses or to self-insure all or a portion of one's home. Contributions and distributions are excluded from Mississippi Taxable Income. Maximum deposit is based on insurance deductible or legal residence value.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMaximum balance/contribution limit is $2,000.00 if qualified deductible <= $1,000, $15,000.00 or twice the deductible (whichever is less) if deductible > $1,000, or the lesser of $350,000.00 or legal residence value if self-insured.$100 and up | 0.50% | $50 | Maximum balance/contribution limit is $2,000.00 if qualified deductible <= $1,000, $15,000.00 or twice the deductible (whichever is less) if deductible > $1,000, or the lesser of $350,000.00 or legal residence value if self-insured. |
Sources (2)
All captured Sep 19, 2026
Money Fund
0.05%APY
$2 monthly fee if balance falls below $1,000.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $20 and up$2 monthly fee if balance falls below $1,000.$20 and up | 0.05% | $5 | $2 monthly fee if balance falls below $1,000. |
Passbook Savings
0.02%APY
Regular savings account offered with Passbooks.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $20 and up | 0.02% | $2 |
Special-purpose accounts
Christmas Club
0.02%APY
No withdrawals allowed.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $20 and up | 0.02% | $2 |
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.