What are the current interest rates at First Federal Bank Dunn, NC?

Current rates for First Federal Bank Dunn, NC include: Savings: 0.03%

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First Federal Bank Dunn, NC

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First Federal Bank Dunn, NC Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Federal Bank Dunn, NC provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

First Federal Bank Dunn, NC's savings rates are at 0.03%. MonitorBankRates evaluates the financial stability of First Federal Bank Dunn, NC with a 4.7 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 8.80%. Rates last updated and verified on 08/28/2026.

First Federal Bank Dunn, NC money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Federal Bank Dunn, NC? Share your experience about First Federal Bank Dunn, NC by leaving a review below, or read customer reviews before you decide to use First Federal Bank Dunn, NC.

Verified Healthy Use This Badge on Your Bank Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

8.80%

Excellent Higher than avg

First Federal Bank

200 E Divine St
Dunn, NC 28334

https://www.firstfederalbanknc.com

First Federal Bank Dunn, NC Savings Rates

Product	Rate	APY
Smart Savings	1.98%	2.00%
Min Deposit $100 Details Qualifications Required: 20 debit card purchases post and clear each monthly statement cycle; 1 automatic payment, bill pay, or direct deposit post and clear each monthly statement cycle; Access Online Banking or Mobile Banking once each monthly statement cycle; Receive e-statements; If qualifications are met in the Smart Checking, 1) balances up to $10,000.00 in Smart Savings receive an interest rate of 1.98% with an APY of 2.00%; and 2) balances over $10,000.00 in Smart Savings earn an interest rate of 0.15% with a 0.15% APY on the portion of the balance above $10,000.00, resulting in 2.00% APY - 0.34% APY depending on the balance. Last Updated 08/28/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 8.80%
Smart Savings	0.15%	0.34%
Min Deposit $100 Min Balance $10,000 Details Qualifications Required: 20 debit card purchases post and clear each monthly statement cycle; 1 automatic payment, bill pay, or direct deposit post and clear each monthly statement cycle; Access Online Banking or Mobile Banking once each monthly statement cycle; Receive e-statements; If qualifications are met in the Smart Checking, 1) balances up to $10,000.00 in Smart Savings receive an interest rate of 1.98% with an APY of 2.00%; and 2) balances over $10,000.00 in Smart Savings earn an interest rate of 0.15% with a 0.15% APY on the portion of the balance above $10,000.00, resulting in 2.00% APY - 0.34% APY depending on the balance. Last Updated 08/28/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 8.80%
Smart Savings	-	0.03%
Min Deposit $100 Details If qualifications are not met in Smart Checking, all balances in Smart Savings earn 0.03% APY. Last Updated 08/28/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 8.80%

First Federal Bank Dunn, NC Checking Rates

Product	Rate	APY
Smart Checking	1.98%	2.00%
Min Deposit $100 Details Qualifications Required: 20 debit card purchases post and clear each monthly statement cycle; 1 automatic payment, bill pay, or direct deposit post and clear each monthly statement cycle; Access Online Banking or Mobile Banking once each monthly statement cycle; Receive e-statements Last Updated 08/28/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 8.80%
Smart Checking	0.15%	0.34%
Min Deposit $100 Min Balance $10,000 Details Qualifications Required: 20 debit card purchases post and clear each monthly statement cycle; 1 automatic payment, bill pay, or direct deposit post and clear each monthly statement cycle; Access Online Banking or Mobile Banking once each monthly statement cycle; Receive e-statements; For balances up to $10,000.00 the interest rate is 1.98% and the Annual Percentage Yield (APY) is 2.00%. For balances over $10,000.00 the current rate is 1.98% with a 2.00% APY on the first $10,000.00 in deposits and an interest rate of 0.15% and a 0.15% APY on the portion of the balance above $10,000.00 for an APY of 2.00% to 0.34% APY. Last Updated 08/28/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 8.80%
Smart Checking	0.03%	0.03%
Min Deposit $100 Details If you do not meet the above qualifications, you will be charged a monthly service charge of $12.50 on your Smart Checking account. You will earn the base interest rate. Last Updated 08/28/2026 Institution Ratings 4.7 Star Rating A- Health Grade ◈ Texas Ratio: 8.80%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Federal Bank Dunn, NC is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Federal Bank Dunn, NC rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Federal Bank Dunn, NC's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Federal Bank Dunn, NC

Bank Holding Company FIRST FEDERAL FINANCIAL CORP

Address 200 E Divine St, Dunn, NC 28334 · Harnett

Website https://www.firstfederalbanknc.com

FDIC Certificate # 31077

Established 01/01/1958

FDIC Insurance Date 08/09/1989

Domestic Offices 7

Total Branches 7

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 93/100

4.7

Excellent Out of 5.0 Stars

8.80%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.2466%

Return on Equity (ROE) 4.5400%

Non-Performing Loans (NPL) 0.41%

Total Assets $271,878,000

Total Deposits $247,472,000

Equity Capital $18,197,000

Net Income $778,000

Headquarters Dunn

Total Branches and Offices 7

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

First Federal Bank Dunn, NC earned the Verified Healthy badge

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Frequently Asked Questions About First Federal Bank Dunn, NC

How many branches does First Federal Bank Dunn, NC operate?

First Federal Bank Dunn, NC currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Federal Bank Dunn, NC does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Federal Bank Dunn, NC provides members with tools to manage their accounts and build a solid financial history.

Does First Federal Bank Dunn, NC offer online and mobile banking?

Most modern institutions like First Federal Bank Dunn, NC provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstfederalbanknc.com.