Personal Deposit Rates – Certificate Rates – Mortgage Rates
Consumer Loan Rates – Home Equity Loan Rates – Business Deposit Rates
Personal Deposit Rates
| Description | Tier | APY* | GONZO Checking1 | Base Bonus 1 Bonus 2 Bonus 3 Bonus 4 |
0.50% +.25% +.50% +.75% +1.00% |
|---|---|---|
| No Fee Interest Checking | $0 | 0.05% |
| Interest Checking | $100 | 0.10% |
| First Class Checking | $100 | 0.10% |
| High-Yield Checking | $0 $2,500 $10,000 $25,000 $75,000 $150,000 $250,000 |
0.10% 0.10% 0.15% 0.20% 0.25% 0.30% 0.35% |
| Health Savings Account | $0 $2,500 $10,000 |
1.50% 2.00% 2.50% |
| Description | Tier | APY* |
|---|---|---|
| Regular & New Beginnings Money Market |
$0 $1,000 $10,000 |
0.10% 0.15% 0.20% |
| First Choice Money Market | $0 $10,000 $25,000 $75,000 $150,000 $250,000 |
0.10% 0.20% 0.25% 0.30% 0.35% 0.40% |
| Description | Minimum | APY* |
|---|---|---|
| Statement Savings | $100 | 0.15% |
| Christmas Club | $10 | 0.15% |
| Centennial Savings | $2,500 $10,000 $25,000 $75,000 $150,000 $250,000 $500,000 $1,000,000 |
0.20% 0.25% 0.30% 0.35% 0.40% 0.45% 0.50% 0.50% |
*APY refers to Annual Percentage Yield based on simple interest and assumes reinvestment of paid dividends. Fees could reduce earnings. Rates effective as of 5/1/2012 and are subject to change without notice.
1Rate is the same as the No Fee Interest Checking rate for the statement cycle if minimum activity requirements are not met.
1Rate is the same as the No Fee Interest Checking rate for the statement cycle if minimum activity requirements are not met.
Certificate Rates
| Description | Minimum | APY* |
|---|---|---|
| 8 Month | $500 | 0.35% |
| 30 Month | $500 | 0.80% |
| 18 Month Variable Rate IRA |
$50 | 0.13% |
| Description | Minimum | APY* |
|---|---|---|
| 91 Day | $2,500 | 0.20% |
| 182 Day | $2,500 | 0.25% |
| 1 Year | $500 | 0.35% |
| 18 Month | $500 | 0.45% |
| 2 Year | $500 | 0.60% |
| 3 Year | $500 | 0.80% |
| 4 Year | $500 | 1.00% |
| 5 Year | $500 | 1.25% |
| 6 Year | $500 | 1.45% |
| 7 Year | $500 | 1.65% |
| 8 Year | $500 | 1.85% |
| 9 Year | $500 | 2.05% |
| 10 Year | $500 | 2.25% |
*APY refers to Annual Percentage Yield based on simple interest and assumes reinvestment of paid dividends. Fees could reduce earnings. Rates effective as of 5/1/2012 and are subject to change without notice.
Mortgage Rates
| Loan Type | Max Term | Rate | Points | APR* | Payment** |
|---|---|---|---|---|---|
| 10 Year Fixed1 | 10 Years | 2.750% 3.000% |
1.00% 0.00% |
3.142% 3.181% |
$954.11 $965.61 |
| 15 Year Fixed1 | 15 Years | 2.750% 3.000% |
1.00% 0.00% |
3.018% 3.124% |
$678.62 $690.58 |
| 20 Year Fixed1 | 20 Years | 3.375% 3.625% |
1.00% 0.00% |
3.587% 3.723% |
$573.56 $586.40 |
| 30 Year Fixed1 | 30 Years | 3.500% 3.750% |
1.00% 0.00% |
3.652% 3.820% |
$449.04 $463.12 |
| FHA 15 Year >90% | 15 Years | 0.000% | -- | 0.069% | $555.56 |
| FHA 30 Year >95% | 30 Years | 0.000% | -- | 0.129% | $277.78 |
| Annual Adjustable1 2 | 30 Years | 5.000% 5.250% |
1.00% 0.00% |
5.166% 5.327% |
$536.82 $552.20 |
| 3/1 Adjustable1 2 | 30 Years | 5.250% 5.500% |
1.00% 0.00% |
5.418% 5.578% |
$552.20 $567.79 |
| 5/1 Adjustable1 2 | 30 Years | 5.750% 6.000% |
1.00% 0.00% |
5.923% 6.081% |
$583.57 $599.55 |
| Community First Mortgage | 30 Years | 3.750% 4.000% |
1.00% 0.00% |
3.904% 4.072% |
$463.12 $477.42 |
Construction Loan3 | 30 Years | 4.125% 4.375% |
1.00% 0.00% |
4.281% 4.448% |
$969.30 $998.57 |
| Swing Loan3 | 6 Months | 4.500% 5.125% |
1.00% 0.00% |
6.809% 5.359% |
$747.95 $851.83 |
| Lot Loan4 | 5 Years | 6.500% | 1.00% | 7.160% | $978.31 |
The above Annual Percentage Rates (APR) assume a 20% down payment with a loan amount of $100,000 for the maximum term disclosed and closed on the last day of the month. Jumbo loans (above $417,000) may have different rates and terms. This will result in a different APR calculation. In order to guarantee these rates, a complete application must be submitted and a Rate-Lock Agreement must be signed. First Federal has several loan progams for first-time home buyers and others who do not have or want to put at least 5% down. We also have loans for 2-4 family dwelling properties. Please contact a Mortgage Loan Officer for complete details.
*All rates and APRs are accurate as of 5/18/2012 and are subject to change without notice.
**Payments are monthly and based on a loan of $100,000
1These loans have a maximum loan-to-value (LTV) of 95%. LTV's above 80% require Private Mortgage Insurance (PMI) which could increase the Annual Percentage Rate (APR).
2These loans have a 2% annual and 6% lifetime cap. When the interest rate adjusts, it will adjust to the 1-year Treasury bill rate plus 2.75% with a maximum adjustment of 2% per year. The original interest rate will be the floor rate.
3These loan's APRs assume a 20% down payment with a loan amount of $200,000.
4This loan's APR is based on a 20% down payment with a loan amount of $35,000.
**Payments are monthly and based on a loan of $100,000
1These loans have a maximum loan-to-value (LTV) of 95%. LTV's above 80% require Private Mortgage Insurance (PMI) which could increase the Annual Percentage Rate (APR).
2These loans have a 2% annual and 6% lifetime cap. When the interest rate adjusts, it will adjust to the 1-year Treasury bill rate plus 2.75% with a maximum adjustment of 2% per year. The original interest rate will be the floor rate.
3These loan's APRs assume a 20% down payment with a loan amount of $200,000.
4This loan's APR is based on a 20% down payment with a loan amount of $35,000.
Consumer Loan Rates
| Year | Max Term | Rate as low as* |
APR as low as* |
|---|---|---|---|
| 2012-2011 | 60 Months | 3.040% | 3.550% |
| 2010 | 60 Months | 3.240% | 3.751% |
| 2009 | 60 Months | 3.340% | 3.851% |
| 2008 | 60 Months | 3.840% | 4.354% |
| 2007 | 48 Months | 4.140% | 4.709% |
| 2006 | 48 Months | 4.240% | 4.810% |
| 2005 & Older | 36 Months | 4.740% | 5.380% |
| Max Term | Rate as low as* |
APR as low as* |
Max Loan Amount |
|---|---|---|---|
| 36 Months | 14.990% | 16.792% | $5,000 |
*Rates and APRs effective as of 1/1/2012 and are subject to change without notice.
1These rates and APRs assume a $10,000 loan amount.
2These rates and APRs assume a $5,000 loan amount.
1These rates and APRs assume a $10,000 loan amount.
2These rates and APRs assume a $5,000 loan amount.
Home Equity Loan Rates
| Max Term | 75% LTV | 80% LTV | 90% LTV |
|---|---|---|---|
| 5 Years | 3.990% | 5.750% | 6.500% |
| 10 Years | 4.490% | 6.500% | 7.250% |
| 12 Years | ---- | 7.000% | 7.500% |
| 15 Years | 4.730% | ---- | ---- |
| Max Term | 80% LTV1 | 90% LTV2 |
|---|---|---|
| 10 Years | 4.000% | 5.500% |
All rates and APRs effective as of 12/19/2011 and are subject to change without notice.
*HELOC rates are variable and adjust monthly.
1Wall Street Journal Prime - rate will not fall below 4%.
2Wall Street Journal Prime +1½% - rate will not fall below 5½%.
*HELOC rates are variable and adjust monthly.
1Wall Street Journal Prime - rate will not fall below 4%.
2Wall Street Journal Prime +1½% - rate will not fall below 5½%.
Business Deposit Rates
| Description | Tier | APY* |
|---|---|---|
| DBA/Non-Profit Checking | $100 | 0.15% |
| Community First Checking | $0 | 0.15% |
| Description | Rate |
|---|---|
| Earnings Credit Rate | 0.150% |
*APY refers to Annual Percentage Yield based on simple interest and assumes reinvestment of paid dividends. Fees could reduce earnings. Rates effective as of 5/1/2012 and are subject to change without notice.
Contact a branch office nearest you for more information.