Bank · FDIC insured
First Federal Savings Savings Rates
First Federal Savings’s best savings rate is 0.45% APY on $10,000, with its Winter Fuel Fund. Rates checked October 22, 2026.
How First Federal Savings’s savings rates compare
Compared with banks and credit unions near Portland, ME, where First Federal Savings has the most branches. $10,000, best rate first.
This bank’s best
First Federal Savings
0.45%APY
- Minimum
- $10
- Earns on $10,000 a year
- $45
Winter Fuel Fund
Top rate
Lighthouse Credit Union
3.85%APY
- Minimum
- —
- Earns on $10,000 a year
- $385
2nd-highest rate
Northeast Bank
3.50%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
First Federal Savings savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.45%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.45%
- QualifiedQualified0.45%
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 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.
Premier Money Market
0.08%APY
To be eligible, you must have a new or existing First Federal Savings NOW account and debit card. If the account falls below $10,000.00 no interest is earned.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 and upVariable rate; rates may change after the account is opened. Must have a NOW account and Debit Card. If balance falls below $10,000.00 no interest is earned. Fees could reduce earnings. Loyalty points could earn an additional .39%. | 0.08% | $8 | Variable rate; rates may change after the account is opened. Must have a NOW account and Debit Card. If balance falls below $10,000.00 no interest is earned. Fees could reduce earnings. Loyalty points could earn an additional .39%. |
| $25,000 and upVariable rate; rates may change after the account is opened. Must have a NOW account and Debit Card. If balance falls below $10,000.00 no interest is earned. Fees could reduce earnings. Loyalty points could earn an additional .39%. | 0.50% | — | Variable rate; rates may change after the account is opened. Must have a NOW account and Debit Card. If balance falls below $10,000.00 no interest is earned. Fees could reduce earnings. Loyalty points could earn an additional .39%. |
| $50,000 and upVariable rate; rates may change after the account is opened. Must have a NOW account and Debit Card. If balance falls below $10,000.00 no interest is earned. Fees could reduce earnings. Loyalty points could earn an additional .39%. | 1.51% | — | Variable rate; rates may change after the account is opened. Must have a NOW account and Debit Card. If balance falls below $10,000.00 no interest is earned. Fees could reduce earnings. Loyalty points could earn an additional .39%. |
| $100,000 and upVariable rate; rates may change after the account is opened. Must have a NOW account and Debit Card. If balance falls below $10,000.00 no interest is earned. Fees could reduce earnings. Loyalty points could earn an additional .39%. | 2.02% | — | Variable rate; rates may change after the account is opened. Must have a NOW account and Debit Card. If balance falls below $10,000.00 no interest is earned. Fees could reduce earnings. Loyalty points could earn an additional .39%. |
Winter Fuel Fund
0.45%APY
The Winter fuel fund is like a savings account. Minimum to open is $10.00 and deposits can be made daily/weekly or monthly. For withdrawals a receipt must be provided and photocopied by FFS that shows the heating company's name and amount due or paid. The check can be made out to the account owner or the heating company, etc. Must maintain a $100 minimum monthly average balance. Fees could reduce earnings. For variable rate accounts, rates may change after opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upVariable rate; rates may change after opening. Fees could reduce earnings.$10 and up | 0.45% | $45 | Variable rate; rates may change after opening. Fees could reduce earnings. |
Money Market
0.07%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upVariable rate; rates may change after the account is opened. Fees could reduce earnings. | 0.07% | $7 | Variable rate; rates may change after the account is opened. Fees could reduce earnings. |
| $2,500 and upVariable rate; rates may change after the account is opened. Fees could reduce earnings. | 0.07% | $7 | Variable rate; rates may change after the account is opened. Fees could reduce earnings. |
Savings Accounts
0.05%APY
Must live in the mid-coast area on a permanent or seasonal basis. Must maintain a $100 minimum monthly average balance. For variable rate accounts, rates may change after the account is opened. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upVariable rate; rates may change after opening. Fees could reduce earnings.$10 and up | 0.05% | $5 | Variable rate; rates may change after opening. Fees could reduce earnings. |
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.