Bank · FDIC insured
First Federal Savings CD Rates
Top CarrotFirst Federal Savings’s best CD rate is 4.15% APY on a 27-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First Federal Savings’s CD rates compare
Compared with banks and credit unions near Columbus, OH, where First Federal Savings has the most branches. $10,000, best rate first.
This bank’s best
First Federal Savings
4.15%APY
- Term
- 27 months
- Minimum
- $500
- Earns on $10,000
- $958
Certificates of Deposit
Top rate
Homeland Credit Union
5.15%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,338
2nd-highest rate
Scott Associates Credit Union Inc
5.06%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,802
First Federal Savings CD score
88
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.15%
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 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.
Certificates of Deposit
Up to 4.15%APY · 19 terms
Rate subject to change daily. Interest may be paid by check or transferred to a First Federal checking or savings account. Minimum additions of $250.00 or more permitted for some terms. Penalty may be imposed for early withdrawal.
| Term | APY · $500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91 Day CD (No Penalty) | 2.85% | — | 2.85% | $71 |
| 6 months182 Day CD | 3.25% | — | 3.25% | $161 |
| 8 months8 Month CD* (No Penalty) | — | 3.40% | 3.40% | $225 |
| 8 months8 Month CD** (No Penalty) | — | 3.15% | 3.15% | $209 |
| 9 months9 Month CD* | 3.45% | — | 3.45% | $258 |
| 12 months12 Month CD ++ | 3.59% | — | 3.59% | $359 |
| 13 months13 Month CD | — | 4.00% | 4.00% | $434 |
| 15 months15 Month CD* | 3.65% | — | 3.65% | $458 |
| 15 months15 Month CD** | 3.40% | — | 3.40% | $427 |
| 18 months18 Month CD | 3.80% | — | 3.80% | $575 |
| 19 months19 Month CD*++ (No Penalty) | 4.10% | — | 4.10% | $657 |
| 21 months21 Month CD | 3.82% | — | 3.82% | $678 |
| 24 months24 Month CD ++ | 3.85% | — | 3.85% | $785 |
| 27 months27 Month CD* | 4.15% | — | 4.15% | $958 |
| 30 months30 Month CD | 3.89% | — | 3.89% | $1,001 |
| 31 months31 Month CD* | 3.85% | — | 3.85% | $1,025 |
| 31 months31 Month CD** | 3.60% | — | 3.60% | $957 |
| 36 months36 Month CD++ | 3.94% | — | 3.94% | $1,229 |
| 37 months37 Month CD | 3.94% | — | 3.94% | $1,265 |
| 44 months44 Month CD | 3.96% | — | 3.96% | $1,530 |
| 48 months4 Year CD | 3.98% | — | 3.98% | $1,690 |
| 60 months5 Year CD | 4.00% | — | 4.00% | $2,167 |
Sources (1)
- firstfedohio.com/personal/savings · captured Oct 16, 2026
Special-purpose accounts
18 Month Flexible IRA
3.81%APY · 1 term
Traditional or Roth IRA. Unlimited, additional deposits are allowed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsUnlimited, additional deposits are allowed | 3.81% | $577 |
Sources (1)
- firstfedohio.com/personal/savings · captured Oct 16, 2026
18 Month Fixed IRA
3.75%APY · 1 term
Traditional or Roth IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 3.75% | $568 |
Sources (1)
- firstfedohio.com/personal/savings · captured Oct 16, 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.