Bank · FDIC insured
First Federal Savings Bank Savings Rates
First Federal Savings Bank’s best savings rate is 0.30% APY on $10,000, with its Next Generation Savings. Rates checked October 15, 2026.
How First Federal Savings Bank’s savings rates compare
Compared with banks and credit unions near Evansville, IN, where First Federal Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
First Federal Savings Bank
0.30%APY
- Minimum
- $100
- Earns on $10,000 a year
- $30
Next Generation Savings
Top rate
Crane Credit Union
1.51%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $151
2nd-highest rate
Indiana Members Credit Union
1.21%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $121
First Federal Savings Bank savings score
75
Savings score
Higher than 39% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0002.50%
- QualifiedQualified0.30%
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 Bank 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.
High Yield Money Market Deposit Account (MMDA)
0.25%APY
Debit card access, check writing ability, and free notary service. Unlimited number of transactions. $10 monthly service fee is waived when you open a FFSB checking account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999$10 monthly service fee is waived when you open a FFSB checking account. | 0.25% | $25 | $10 monthly service fee is waived when you open a FFSB checking account. |
| $25,000 – $49,999$10 monthly service fee is waived when you open a FFSB checking account. | 2.00% | — | $10 monthly service fee is waived when you open a FFSB checking account. |
| $50,000 – $99,999$10 monthly service fee is waived when you open a FFSB checking account. | 2.25% | — | $10 monthly service fee is waived when you open a FFSB checking account. |
| $100,000 – $249,999$10 monthly service fee is waived when you open a FFSB checking account. | 2.50% | — | $10 monthly service fee is waived when you open a FFSB checking account. |
| $250,000 – $499,999$10 monthly service fee is waived when you open a FFSB checking account. | 2.75% | — | $10 monthly service fee is waived when you open a FFSB checking account. |
| $500,000 – $999,999$10 monthly service fee is waived when you open a FFSB checking account. | 3.00% | — | $10 monthly service fee is waived when you open a FFSB checking account. |
| $1,000,000 and up$10 monthly service fee is waived when you open a FFSB checking account. | 3.25% | — | $10 monthly service fee is waived when you open a FFSB checking account. |
Sources (2)
All captured Sep 18, 2026
First Choice Money Market Deposit Account (MMDA)
0.25%APY
Check writing ability and free notary service. $10 monthly service charge if balance falls below $10,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999$10 monthly service charge if balance falls below $10,000. | 0.00% | — | $10 monthly service charge if balance falls below $10,000. |
| $10,000 – $24,999$10 monthly service charge if balance falls below $10,000. | 0.25% | $25 | $10 monthly service charge if balance falls below $10,000. |
| $25,000 – $74,999$10 monthly service charge if balance falls below $10,000. | 0.30% | — | $10 monthly service charge if balance falls below $10,000. |
| $75,000 – $149,999$10 monthly service charge if balance falls below $10,000. | 0.50% | — | $10 monthly service charge if balance falls below $10,000. |
| $150,000 – $249,999$10 monthly service charge if balance falls below $10,000. | 0.55% | — | $10 monthly service charge if balance falls below $10,000. |
| $250,000 and up$10 monthly service charge if balance falls below $10,000. | 0.55% | — | $10 monthly service charge if balance falls below $10,000. |
Sources (2)
All captured Sep 18, 2026
Next Generation Savings
0.30%APY
Zero monthly service charges with a daily balance of $100 or more; $5 monthly fee applies if daily balance falls below $100. Free online and mobile access, free eStatements, free notary service, unlimited account transfers to any First Federal Savings Bank/Home Building Savings Bank account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $99Monthly fee waived with daily balance of $100 or more. | 0.00% | — | Monthly fee waived with daily balance of $100 or more. |
| $100 – $2,499Monthly fee waived with daily balance of $100 or more. | 0.10% | — | Monthly fee waived with daily balance of $100 or more. |
| $2,500 – $9,999Monthly fee waived with daily balance of $100 or more. | 0.20% | — | Monthly fee waived with daily balance of $100 or more. |
| $10,000 – $24,999Monthly fee waived with daily balance of $100 or more. | 0.30% | $30 | Monthly fee waived with daily balance of $100 or more. |
| $25,000 – $99,999Monthly fee waived with daily balance of $100 or more. | 0.30% | — | Monthly fee waived with daily balance of $100 or more. |
| $100,000 – $249,999Monthly fee waived with daily balance of $100 or more. | 0.40% | — | Monthly fee waived with daily balance of $100 or more. |
| $250,000 and upMonthly fee waived with daily balance of $100 or more. | 0.50% | — | Monthly fee waived with daily balance of $100 or more. |
Sources (3)
- firstfedsavings.bank/current-rates
- firstfedsavings.bank/savings-accounts
- firstfedsavings.bank/consumer-accounts
All captured Sep 18, 2026
Regular Money Market Deposit Account (MMDA)
0.25%APY
Check writing ability and free notary service. $6 monthly service charge if balance falls below $1,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $999$6 monthly service charge if balance falls below $1,000. | 0.00% | — | $6 monthly service charge if balance falls below $1,000. |
| $1,000 – $9,999$6 monthly service charge if balance falls below $1,000. | 0.15% | — | $6 monthly service charge if balance falls below $1,000. |
| $10,000 and up$6 monthly service charge if balance falls below $1,000. | 0.25% | $25 | $6 monthly service charge if balance falls below $1,000. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Health Savings Account
0.25%APY
Must be covered by a High Deductible Health Plan (HDHP), not covered by any other health insurance, not eligible for Medicare, and not claimed as a dependent on another's tax return. Free online access and eStatements provided monthly (paper statement fee applies). Unlimited check writing and debit card access. No minimum balance to earn the regular rate. Funds roll over year-to-year.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000$50 opening deposit and $2 monthly service charge waived for group enrollment; monthly fee applies if balance falls below $2,500. | 0.25% | $25 | $50 opening deposit and $2 monthly service charge waived for group enrollment; monthly fee applies if balance falls below $2,500. |
| $10,001 – $25,000$50 opening deposit and $2 monthly service charge waived for group enrollment; monthly fee applies if balance falls below $2,500. | 0.50% | — | $50 opening deposit and $2 monthly service charge waived for group enrollment; monthly fee applies if balance falls below $2,500. |
| $25,001 – $50,000$50 opening deposit and $2 monthly service charge waived for group enrollment; monthly fee applies if balance falls below $2,500. | 1.00% | — | $50 opening deposit and $2 monthly service charge waived for group enrollment; monthly fee applies if balance falls below $2,500. |
| $50,001 – $75,000$50 opening deposit and $2 monthly service charge waived for group enrollment; monthly fee applies if balance falls below $2,500. | 1.25% | — | $50 opening deposit and $2 monthly service charge waived for group enrollment; monthly fee applies if balance falls below $2,500. |
| $75,001 and up$50 opening deposit and $2 monthly service charge waived for group enrollment; monthly fee applies if balance falls below $2,500. | 1.50% | — | $50 opening deposit and $2 monthly service charge waived for group enrollment; monthly fee applies if balance falls below $2,500. |
Sources (3)
- firstfedsavings.bank/current-rates
- firstfedsavings.bank/health-savings-accounts
- firstfedsavings.bank/consumer-accounts
All captured Sep 18, 2026
Christmas Club
0.10%APY
One time yearly distribution; automatic renewal; penalty/fee may be imposed for early withdrawal ($10 early distribution fee). Free notary service. Free Piggy Bank upon opening for a minor while supplies last.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $20 and up$20 minimum balance to earn interest.$20 and up | 0.10% | $10 | $20 minimum balance to earn interest. |
Sources (2)
All captured Sep 18, 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.