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First Federal Community Bank N.A. Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 21, 2026
First Federal Community Bank N.A.'s Current Specials CD - 25-Month rates are at 4.44%, Current Specials CD - 13-Month rates are at 4.39%, Current Specials CD - 7-Month rates are at 4.33%, 60-Month Certificates of Deposit (CDs) rates are at 0.65%, Health Savings Certificate of Deposit (CD) - 60-Month rates are at 0.65%. First Federal Community Bank N.A.'s savings rates are at 3.04%. First Federal Community Bank N.A.'s money market rates are at 0.55%. First Federal Community Bank N.A.'s checking rates are as high as 0.01%. First Federal Community Bank N.A.'s First Lien Residential Mortgage rates are at 6.99%. First Federal Community Bank N.A.'s Auto Loan Rates are as low as 7.419%. MonitorBankRates evaluates the financial stability of First Federal Community Bank N.A. with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.68%. Rates last updated and verified on 10/21/2026.
First Federal Community Bank N.A. 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 Community Bank N.A.? Share your experience about First Federal Community Bank N.A. by leaving a review below, or read customer reviews before you decide to use First Federal Community Bank N.A..
First Federal Community Bank N.A. has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
First Federal Community Bank N.A. has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
0.68%
ExcellentLower than avg
First Federal Community Bank N.A. Texas Ratio
First Federal Community Bank N.A.'s Texas Ratio is 0.68%, which is considered excellent and is lower than the national average of 5.85%.
First Federal Community Bank N.A. has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.04% to 0.68% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
First Federal Community Bank N.A. CD Rates
Product
Rate
APY
Term
View More
Current Specials CD - 25 month
4.35%
4.44%
25 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Oct 14, 2026 · 4.44% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Current Specials CD - 13 month
4.30%
4.39%
13 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Oct 14, 2026 · 4.39% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Current Specials CD - 7 month
4.25%
4.33%
7 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Oct 14, 2026 · 4.33% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
60 Month Certificates of Deposit (CDs)
0.65%
0.65%
60 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.65% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Health Savings Certificate of Deposit (CD) - 60 month
0.65%
0.65%
60 months
Min Deposit$500
DetailsTax-exempt account for qualified medical expenses; $5,000 minimum balance required to receive ACH transfer of interest; penalty for early withdrawal
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.65% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
48 Month Certificates of Deposit (CDs)
0.55%
0.55%
48 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.55% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Health Savings Certificate of Deposit (CD) - 48 month
0.55%
0.55%
48 months
Min Deposit$500
DetailsTax-exempt account for qualified medical expenses; $5,000 minimum balance required to receive ACH transfer of interest; penalty for early withdrawal
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.55% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
36 Month Certificates of Deposit (CDs)
0.50%
0.50%
36 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Health Savings Certificate of Deposit (CD) - 36 month
0.50%
0.50%
36 months
Min Deposit$500
DetailsTax-exempt account for qualified medical expenses; $5,000 minimum balance required to receive ACH transfer of interest; penalty for early withdrawal
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
30 Month Certificates of Deposit (CDs)
0.45%
0.45%
30 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.45% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Health Savings Certificate of Deposit (CD) - 30 month
0.45%
0.45%
30 months
Min Deposit$500
DetailsTax-exempt account for qualified medical expenses; $5,000 minimum balance required to receive ACH transfer of interest; penalty for early withdrawal
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.45% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
24 Month Certificates of Deposit (CDs)
0.40%
0.40%
24 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.40% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Health Savings Certificate of Deposit (CD) - 24 month
0.40%
0.40%
24 months
Min Deposit$500
DetailsTax-exempt account for qualified medical expenses; $5,000 minimum balance required to receive ACH transfer of interest; penalty for early withdrawal
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.40% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
18 Month Certificates of Deposit (CDs)
0.35%
0.35%
18 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.35% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Health Savings Certificate of Deposit (CD) - 18 month
0.35%
0.35%
18 months
Min Deposit$500
DetailsTax-exempt account for qualified medical expenses; $5,000 minimum balance required to receive ACH transfer of interest; penalty for early withdrawal
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.35% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
12 Month Certificates of Deposit (CDs)
0.30%
0.30%
12 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.30% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Health Savings Certificate of Deposit (CD) - 12 month
0.30%
0.30%
12 months
Min Deposit$500
DetailsTax-exempt account for qualified medical expenses; $5,000 minimum balance required to receive ACH transfer of interest; penalty for early withdrawal
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
3 Month Certificates of Deposit (CDs)
0.20%
0.20%
3 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
6 Month Certificates of Deposit (CDs)
0.20%
0.20%
6 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Health Savings Certificate of Deposit (CD) - 3 month
0.20%
0.20%
3 months
Min Deposit$500
DetailsTax-exempt account for qualified medical expenses; $5,000 minimum balance required to receive ACH transfer of interest; penalty for early withdrawal
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Health Savings Certificate of Deposit (CD) - 6 month
0.20%
0.20%
6 months
Min Deposit$500
DetailsTax-exempt account for qualified medical expenses; $5,000 minimum balance required to receive ACH transfer of interest; penalty for early withdrawal
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
First Federal Community Bank N.A. Savings Rates
Product
Rate
APY
View More
Health Savings Account
3.00%
3.04%
Min Balance$50,000
DetailsBalance: $50,000 and over
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 3.04% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Health Savings Account
2.00%
2.02%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 2.02% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Health Savings Account
1.00%
1.00%
Min Balance$5,000
DetailsBalance: $5,000 - $24,999.99
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
First Fed Plus Savings
0.71%
0.71%
Min Deposit$1
DetailsQualifications Required; Balance: Entire balance; Qualifies for the highest rate when qualifications are met; $1 minimum required opening deposit
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.71% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Health Savings Account
0.06%
0.06%
Min Balance$1,000
DetailsBalance: $1,000 - 4,999.99
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.06% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Health Savings Account
0.05%
0.05%
Min Balance$0
DetailsBalance: $0.00 - $999.99
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Christmas Club
0.02%
0.02%
No additional details.
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
First Choice Savings
0.02%
0.02%
Min Balance$100
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Vacation Club
0.02%
0.02%
No additional details.
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
First Federal Community Bank N.A. Money Market Rates
Product
Rate
APY
View More
Simple Money Market & First Choice Money Market
0.55%
0.55%
Min Balance$500,000
DetailsBalance: $500,000+
Last Updated10/21/2026
Rate History
No change since Oct 7, 2026 · 0.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Simple Money Market & First Choice Money Market
0.50%
0.50%
Min Balance$250,000
DetailsBalance: $250,000 - $499,999.99
Last Updated10/21/2026
Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Simple Money Market & First Choice Money Market
0.35%
0.35%
Min Balance$75,000
DetailsBalance: $75,000 - $249,999.99
Last Updated10/21/2026
Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Simple Money Market & First Choice Money Market
0.15%
0.15%
Min Balance$20,000
DetailsBalance: $20,000 - $74,999.99
Last Updated10/21/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Simple Money Market & First Choice Money Market
0.04%
0.04%
Min Balance$0
DetailsBalance: $0.01 - $19,999.99
Last Updated10/21/2026
Rate History
No change since Oct 7, 2026 · 0.04% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
First Federal Community Bank N.A. Checking Rates
Product
Rate
APY
View More
First Choice Checking
0.01%
0.01%
Min Balance$0
Last Updated10/21/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
First Federal Community Bank N.A. Mortgage Rates
Product
Rate
Points
APR
Term
View More
First Lien Residential Mortgage
6.99%
-
7.132%
30 year fixed
DetailsBased on a 30-year fixed rate loan of $100,000, 25% down payment and credit score of 740
Last Updated10/21/2026
Rate History
1 change since Sep 15, 2026 · 7.40% → 7.13% ▼ 0.26 pts · high 7.40% / low 7.13%
Sep 19, 20267.13%▼ from 7.40%
Sep 15, 20267.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
First Federal Community Bank N.A. Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit
6.75%
-
6.75%
DetailsBased on a loan to value of 80% and credit score of 700
Last Updated10/21/2026
Rate History
1 change since Sep 15, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
Sep 19, 20266.75%▲ from 6.50%
Sep 15, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
First Federal Community Bank N.A. Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loan - 2024-2026
6.54%
-
7.419%
6-year
DetailsBased on a 6-year fixed rate loan of $10,000 and a credit score of 700; Rates may vary depending on Credit Score and Loan-To-Value. Minimum loan amount of $3,000. Proof of insurance is required at closing.
Last Updated10/21/2026
Rate History
1 change since Sep 15, 2026 · 7.17% → 7.42% ▲ 0.25 pts · high 7.42% / low 7.17%
Sep 19, 20267.42%▲ from 7.17%
Sep 15, 20267.17%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Used Auto Loan - 2018-2025
7.04%
-
8.085%
5-year
DetailsBased on a 5-year fixed rate loan of $10,000 and a credit score of 700; Rates may vary depending on Credit Score and Loan-To-Value. Minimum loan amount of $3,000. Proof of insurance is required at closing.
Last Updated10/21/2026
Rate History
1 change since Sep 15, 2026 · 7.83% → 8.09% ▲ 0.25 pts · high 8.09% / low 7.83%
Sep 19, 20268.09%▲ from 7.83%
Sep 15, 20267.83%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
First Federal Community Bank N.A. RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Boat Loans - Loan
7.19%
8.237%
Details$8,000-$14,999; Based on a 5-year fixed rate loan of $10,000 and a credit score of 700; Minimum loan amount $3,000; Rates may vary depending on Credit Score and Loan Amount; Proof of insurance is required at closing
Last Updated10/21/2026
Rate History
No change since Oct 20, 2026 · 8.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
First Federal Community Bank N.A. Other Rates
Product
Rate
Points
APY/APR
Term
View More
Certificates of Deposit (CDs) - 12 Months
0.30%
-
0.30%
12 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Oct 14, 2026 · 0.30% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Certificates of Deposit (CDs) - 18 Months
0.35%
-
0.35%
18 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Oct 14, 2026 · 0.35% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Certificates of Deposit (CDs) - 24 Months
0.40%
-
0.40%
24 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Oct 14, 2026 · 0.40% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Certificates of Deposit (CDs) - 3 Months
0.20%
-
0.20%
3 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Oct 14, 2026 · 0.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Certificates of Deposit (CDs) - 30 Months
0.45%
-
0.45%
30 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Oct 14, 2026 · 0.45% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Certificates of Deposit (CDs) - 36 Months
0.50%
-
0.50%
36 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Certificates of Deposit (CDs) - 48 Months
0.55%
-
0.55%
48 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Oct 14, 2026 · 0.55% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Certificates of Deposit (CDs) - 6 Months
0.20%
-
0.20%
6 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Oct 14, 2026 · 0.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Certificates of Deposit (CDs) - 60 Months
0.65%
-
0.65%
60 Months
Min Deposit$500
DetailsMinimum $500 to open account; $5,000 minimum balance required to receive ACH transfer of interest; penalty applies if principal is withdrawn before maturity
Last Updated10/21/2026
Rate History
No change since Oct 14, 2026 · 0.65% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Current Specials - CDs, Health Savings CDs and IRAs - 13 Months
4.30%
-
4.39%
13 Months
Min Deposit$500
Details$5,000 minimum balance required to receive ACH transfer of interest; APY = Annual Percentage Yield
Last Updated10/21/2026
Rate History
No change since Oct 20, 2026 · 4.39% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Current Specials - CDs, Health Savings CDs and IRAs - 25 Months
4.35%
-
4.44%
25 Months
Min Deposit$500
Details$5,000 minimum balance required to receive ACH transfer of interest; APY = Annual Percentage Yield
Last Updated10/21/2026
Rate History
No change since Oct 20, 2026 · 4.44% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Current Specials - CDs, Health Savings CDs and IRAs - 7 Months
4.25%
-
4.33%
7 Months
Min Deposit$500
Details$5,000 minimum balance required to receive ACH transfer of interest; APY = Annual Percentage Yield
Last Updated10/21/2026
Rate History
No change since Oct 20, 2026 · 4.33% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
First Fed Cash
1.99%
-
2.01%
Min Deposit$50
Min Balance$0
DetailsQualifications Required; Balance: $0 - $10,000; Qualifying balance up to $10,000.00; Base rate of 0.01% applies if qualifications not met
Last Updated10/21/2026
Rate History
No change since Oct 14, 2026 · 2.01% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Financial Health History
First Federal Community Bank N.A.’s Texas Ratio stayed near 1.04% in Q3 2023 to 0.68% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$995M
0.68%
5.0
A+
March 31, 2026
$938M
1.29%
5.0
A+
December 31, 2025
$890M
1.52%
5.0
A+
September 30, 2025
$868M
0.86%
5.0
A+
June 30, 2025
$847M
0.97%
5.0
A+
March 31, 2025
$837M
0.80%
5.0
A+
December 31, 2024
$843M
1.27%
5.0
A+
September 30, 2024
$823M
1.15%
5.0
A+
June 30, 2024
$786M
1.06%
5.0
A+
March 31, 2024
$778M
0.86%
5.0
A+
December 31, 2023
$753M
0.86%
5.0
A+
September 30, 2023
$740M
1.04%
5.0
A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for First Federal Community Bank N.A. 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 Community Bank N.A. 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 Community Bank N.A.'s official website for the most current offers and terms.
Address
141 W Ohio Ave,
Dover, OH 44622 · Tuscarawas
Bank Holding CompanyFFD FINANCIAL CORP
FDIC Certificate #29787
RegulatorOCC
EstablishedJanuary 1, 1898
FDIC Insurance DateAugust 9, 1989
Domestic Offices8
Total Branches8
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.68%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.8593%
Return on Equity (ROE)
20.9700%
Non-Performing Loans Ratio (NPL)
0.06%
Total Assets
$994,585,000
Total Deposits
$897,198,000
Equity Capital
$87,058,000
Net Income
$8,746,000
Headquarters
Dover
Total Branches and Offices
8
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
First Federal Community Bank N.A. earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for First Federal Community Bank N.A.
Frequently Asked Questions About First Federal Community Bank N.A.
Does First Federal Community Bank N.A. offer CDs?
Yes. First Federal Community Bank N.A. offers certificates of deposit (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.
Are CDs from First Federal Community Bank N.A. FDIC insured?
Yes. First Federal Community Bank N.A. is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at First Federal Community Bank N.A.?
The highest CD rate MonitorBankRates has verified for First Federal Community Bank N.A. is 4.44% APY on its 25-Months Current Specials CD - 25-Month, as of October 21, 2026.
What CD terms does First Federal Community Bank N.A. offer?
The First Federal Community Bank N.A. CD terms we track include 7 month, 12 month, 13 month, 18 month, 2 year, 25 month, 3 year, 4 year and 5 year terms, with rates from 0.65% to 4.44% APY. The institution may offer other terms or specials that are not listed here, so check with First Federal Community Bank N.A. for its full lineup.
What is the highest savings rate at First Federal Community Bank N.A.?
The highest savings rate MonitorBankRates has verified for First Federal Community Bank N.A. is 3.04% APY on its Health Savings Account, as of October 21, 2026.
What is the highest money market rate at First Federal Community Bank N.A.?
The highest money market rate MonitorBankRates has verified for First Federal Community Bank N.A. is 0.55% APY on its Simple Money Market & First Choice Money Market, as of October 21, 2026.
What is the highest checking rate at First Federal Community Bank N.A.?
The highest checking rate MonitorBankRates has verified for First Federal Community Bank N.A. is 0.01% APY on its First Choice Checking, as of October 21, 2026.
What is the lowest mortgage rate at First Federal Community Bank N.A.?
The lowest mortgage rate MonitorBankRates has verified for First Federal Community Bank N.A. is 6.99% rate on its First Lien Residential Mortgage, as of October 21, 2026.
What is the lowest auto loan rate at First Federal Community Bank N.A.?
The lowest auto loan rate MonitorBankRates has verified for First Federal Community Bank N.A. is 6.54% rate on its New Auto Loan - 2024-2026, as of October 21, 2026.
How many branches does First Federal Community Bank N.A. operate?
First Federal Community Bank N.A. currently maintains approximately 8 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 Community Bank N.A. 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 Community Bank N.A. provides members with tools to manage their accounts and build a solid financial history.
Does First Federal Community Bank N.A. offer online and mobile banking?
Most modern institutions like First Federal Community Bank N.A. 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.firstfed.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do First Federal Community Bank N.A. rates compare?
First Federal Community Bank N.A.'s top rates are 4.44% APY on its 25-Months Current Specials CD - 25-Month, 3.04% APY on savings, 0.55% APY on money market, 0.01% APY on checking, 6.99% on its First Lien Residential Mortgage and auto loans from 7.419% APR, verified by MonitorBankRates on October 21, 2026. To compare First Federal Community Bank N.A. with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best mortgage rates, updated daily from banks and credit unions across the country.
Current First Federal Community Bank N.A. Rates
12-Month CD0.30%
18-Month CD0.35%
24-Month CD0.40%
36-Month CD0.50%
48-Month CD0.55%
60-Month CD0.65%
Savings3.04%
MMA0.55%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
