Credit union · NCUA insured
First Financial Federal Credit Union Savings Rates
First Financial Federal Credit Union’s best savings rate is 0.20% APY on $10,000, with its Money Manager Account. Rates checked October 22, 2026.
How First Financial Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Baltimore, MD, where First Financial Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Financial Federal Credit Union
0.20%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $20
Share Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
CFG Bank
4.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $405
First Financial Federal Credit Union savings score
68
Savings score
Higher than 22% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
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 Financial Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Manager Account
0.20%APY
Must reside or work in MD, PA, VA, WV, or DC. $10,000 monthly balance requirement; balances below $10,000 earn lower-tier dividend rates. Dividends compounded daily and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Dividends compounded daily and credited monthly. | 0.10% | — | Dividends compounded daily and credited monthly. |
| $2,000 – $10,000Dividends compounded daily and credited monthly. | 0.20% | — | Dividends compounded daily and credited monthly. |
| $10,000 – $50,000Dividends compounded daily and credited monthly. | 0.20% | $20 | Dividends compounded daily and credited monthly. |
| $50,000 – $100,000Dividends compounded daily and credited monthly. | 0.20% | — | Dividends compounded daily and credited monthly. |
| $100,000 – $250,000Dividends compounded daily and credited monthly. | 0.20% | — | Dividends compounded daily and credited monthly. |
| $250,000 – $500,000Dividends compounded daily and credited monthly. | 0.20% | — | Dividends compounded daily and credited monthly. |
| $500,000 – $750,000Dividends compounded daily and credited monthly. | 0.30% | — | Dividends compounded daily and credited monthly. |
| $750,000 and upDividends compounded daily and credited monthly. | 0.30% | — | Dividends compounded daily and credited monthly. |
Sources (2)
All captured Oct 4, 2026
Money Market Account
0.20%APY
Must reside or work in MD, PA, VA, WV, or DC. $2,500 monthly balance requirement; balances below $2,500 earn lower-tier dividend rates. Dividends compounded daily and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Dividends compounded daily and credited monthly. | 0.10% | — | Dividends compounded daily and credited monthly. |
| $2,000 – $2,500Dividends compounded daily and credited monthly. | 0.20% | — | Dividends compounded daily and credited monthly. |
| $2,500 and upDividends compounded daily and credited monthly. | 0.20% | $20 | Dividends compounded daily and credited monthly. |
Sources (2)
All captured Oct 4, 2026
Share Savings
0.20%APY
Dividends compounded daily and credited quarterly. Rate may change after account is opened. $1 minimum balance requirement. No monthly maintenance fees. First Financial makes initial $1.00 deposit for all new members.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Dividends compounded daily and credited quarterly. | 0.10% | — | Dividends compounded daily and credited quarterly. |
| $2,000 and upDividends compounded daily and credited quarterly. | 0.20% | $20 | Dividends compounded daily and credited quarterly. |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Holiday Club Account
0.20%APY
Automatically renews year-to-year. No minimum balance requirement. No monthly maintenance fee. No ATM access. Dividends compounded daily and credited quarterly. Rate may change after account is opened.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Dividends compounded daily and credited quarterly. | 0.10% | — | Dividends compounded daily and credited quarterly. |
| $2,000 and upDividends compounded daily and credited quarterly. | 0.20% | $20 | Dividends compounded daily and credited quarterly. |
Sources (2)
All captured Oct 4, 2026
IRA Savings Account
0.20%APY
Available as Traditional and Roth IRA savings. Dividends compounded daily and credited monthly. Rate may change after account is opened. Subject to IRS limits.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Dividends compounded daily and credited monthly. | 0.10% | — | Dividends compounded daily and credited monthly. |
| $2,000 and upDividends compounded daily and credited monthly. | 0.20% | $20 | Dividends compounded daily and credited monthly. |
Sources (2)
All captured Oct 4, 2026
Summer Pay Savings
0.20%APY
Contribute through payroll deduction during the school year. No minimum balance requirement. No monthly maintenance fee. Dividends compounded daily and credited quarterly. Rate may change after account is opened.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Dividends compounded daily and credited quarterly. | 0.10% | — | Dividends compounded daily and credited quarterly. |
| $2,000 and upDividends compounded daily and credited quarterly. | 0.20% | $20 | Dividends compounded daily and credited quarterly. |
Sources (2)
All captured Oct 4, 2026
Who can join First Financial Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of many area businesses and hospitals are eligible for membership.
Military, government and schools
- Employees, students, and parents of Baltimore, Carroll, Cecil, Accomack, Somerset, and Worcester County Public School systems, as well as employees of area private schools and colleges, are eligible for membership.
Family and household
- Families of employees of many area businesses, hospitals, private schools, and colleges are eligible for membership.
Membership information collected October 4, 2026.