What are the current interest rates at First Fed Bank?

Current rates for First Fed Bank include: 12-Month CD: 3.00%, 18-Month CD: 2.75%, 36-Month CD: 2.90%, 60-Month CD: 2.54%, Savings: 2.25%, MMA: 2.75%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Banks›
First Fed Bank

iAdvertiser Disclosure

First Fed Bank Rates & Review October 2026

Q: How many branches does First Fed Bank operate?

First Fed Bank currently maintains approximately 14 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, First Fed Bank 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Fed Bank 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: October 7, 2026

First Fed Bank's top rates as of October 7, 2026 are 4.20% APY on its 13-Months 13-Month CD Promo, 2.25% APY on savings, 2.75% APY on money market accounts, 5.00% APY on checking, and 6.875% on its 15-year Fixed Rate Purchase mortgage, according to rates verified by MonitorBankRates. Other First Fed Bank CD rates include 7-Months 7-Month CD Promo at 3.85%, 12-Months Traditional and Roth IRA CD - 12-Month at 3.64%, and 12-Months Jumbo CD - 12-Month at 3.00%. Other First Fed Bank mortgage rates include 15-year Fixed Rate Refinance at 7.00%, VA Home Loan: Cash-out Refi - 30-year Fixed Rate Cash-out VA Refinance at 7.00%, and 15-year Fixed Rate MH Purchase at 7.125%. MonitorBankRates evaluates the financial stability of First Fed Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.33%. Rates last updated and verified on 10/07/2026.

First Fed Bank 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 Fed Bank? Share your experience about First Fed Bank by leaving a review below, or read customer reviews before you decide to use First Fed Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.33%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

First Fed Bank

105 W 8th St
Port Angeles, WA 98362

https://www.ourfirstfed.com

Customer Reviews

Be the first to review

Write a Review

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 Fed Bank CD Rates

Product	Rate	APY	Term
13 Month CD Promo	4.11%	4.20%	13 months
Min Deposit $10,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
7 Month CD Promo	3.78%	3.85%	7 months
Min Deposit $5,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Traditional and Roth IRA CD - 12 month	3.58%	3.64%	12 months
Min Deposit $500 Details Open in a branch or by phone Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.64% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Jumbo CD - 12 month	2.96%	3.00%	12 Months
Min Deposit $100,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Traditional and Roth IRA CD - 36 month	2.86%	2.90%	36 months
Min Deposit $500 Details Open in a branch or by phone Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Jumbo CD - 18 month	2.71%	2.75%	18 Months
Min Deposit $100,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Jumbo CD - 6 month	2.71%	2.75%	6 Months
Min Deposit $100,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Traditional and Roth IRA CD - 60 month	2.51%	2.54%	60 months
Min Deposit $500 Details Open in a branch or by phone Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.54% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
9 Month Certificate	0.25%	0.25%	9 months
Min Deposit $25 Min Balance $25 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%

First Fed Bank Savings Rates

Product	Rate	APY
First Savings	2.23%	2.25%
Min Deposit $1 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Alpine Savings	1.93%	1.95%
Min Balance $250,000 Details Balance: $250,000 and above; Method of Compounding: Daily Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Alpine Savings	1.88%	1.90%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Method of Compounding: Daily Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Alpine Savings	0.03%	0.03%
Min Balance $0 Details Balance: $0 - $99,999.99; Method of Compounding: Daily Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Holiday Club	0.03%	0.03%
Min Deposit $25 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Summit Savings	0.03%	0.03%
Min Deposit $100 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%

First Fed Bank Business Savings Rates

Product	Rate	APY
Premium Business Savings	1.98%	2.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Premium Business Savings	1.98%	2.00%
Min Balance $250,000 Details Balance: $250,000 and above Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Business Savings	0.03%	0.03%
Min Deposit $0 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Premium Business Savings	0.03%	0.03%
Min Balance $0 Details Balance: $0 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%

First Fed Bank Business Money Market Rates

Product	Rate	APY
Madrona Business Money Market	2.71%	2.75%
Min Balance $250,000 Details Balance: $250,000 and up; Method of Compounding: Daily Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Madrona Business Money Market	2.66%	2.70%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Method of Compounding: Daily Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Madrona Business Money Market	0.25%	0.25%
Min Balance $1 Details Balance: $0 - $99,999.99; Method of Compounding: Daily Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%

First Fed Bank Checking Rates

Product	Rate	APY
Rewards Checking	5.00%	5.00%
Min Deposit $25 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: Qualifying balances** less than $10,000 Last Updated 10/07/2026 Rate History No change since Oct 1, 2026 · 5.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Rewards Checking	-	1.00%
Min Deposit $25 Min Balance $10,000 Details Qualifications Required: Enroll in eStatements through Online Banking; Make at least 10 debit card purchases/month; Interest rates and APYs subject to change without notice. Fees could reduce earnings. If you don't meet the Rewards Qualifications, your entire balance will earn the non-qualifying interest rate and APY. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Rewards Checking	0.10%	0.10%
Min Deposit $25 Details Balance: Non-Qualifying balances** Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Cascade Checking	0.02%	0.02%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 or more Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Cascade Checking	0.01%	0.01%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Cascade Checking	0.01%	0.01%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%

First Fed Bank Mortgage Rates

Product	Rate	Points	APR	Term
15-year Fixed Rate Purchase	6.875%	0.125	7.004%	15-year
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50% Oct 2, 20267.00%▲ from 6.50% Sep 15, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
15-year Fixed Rate Refinance	7.00%	0.000	7.11%	15-year
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 7.11% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
VA Home Loan: Cash-out Refi - 30-year Fixed Rate Cash-out VA Refinance	7.00%	0.125	7.286%	30-year
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
15-year Fixed Rate MH Purchase	7.125%	0.250	7.29%	15-year
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 7.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Purchase: 7/1 Adjustable Rate Mortgage (ARM) - 7/1 ARM	7.00%	0.000	7.303%	30 years
Details Rate: 7.000%, first 7 years; then 1 year CMT + 3.00 adjusted annually for years 8-30 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.30% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Purchase: 5/1 Adjustable Rate Mortgage (ARM) - 5/1 ARM	6.875%	0.000	7.312%
Details Rate: 1 year CMT + 3.00 adjusted annually for years 6-30 \| Rate stated as: 6.875% first 5 years; then 1 year CMT + 3.00 adjusted annually for years 6-30 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 7.31% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
15-year Fixed Rate MH Refinance	7.125%	0.500	7.33%	15-year
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 7.33% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
15-year Fixed Cash-out Refinance	7.25%	0.250	7.403%	15-year
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.40% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
30-year Fixed Rate Jumbo Purchase	7.375%	0.000	7.439%	30-year
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.94% → 7.44% ▲ 0.50 pts · high 7.44% / low 6.94% Oct 2, 20267.44%▲ from 7.19% Sep 18, 20267.19%▲ from 6.94% Sep 15, 20266.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
30-year Fixed Rate Purchase	7.375%	0.125	7.459%	30-year
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.95% → 7.46% ▲ 0.50 pts · high 7.46% / low 6.95% Oct 2, 20267.46%▲ from 7.08% Sep 18, 20267.08%▲ from 6.95% Sep 15, 20266.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
30-year Fixed Rate Jumbo Refinance	7.303%	0.250	7.50%	30-year
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 27, 2026 · 7.59% → 7.50% ▼ 0.09 pts · high 7.59% / low 7.50% Oct 2, 20267.50%▼ from 7.59% Sep 27, 20267.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Jumbo Cash-out Refinance	7.49%	0.000	7.555%	30-year Fixed Rate
Details Ex: Loan Amount: $910,000.00 includes $250,000 cash out; Ex: Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.56% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
30-year Fixed Rate Refinance	7.50%	0.000	7.572%	30-year
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 7.06% → 7.57% ▲ 0.51 pts · high 7.57% / low 7.06% Oct 2, 20267.57%▲ from 7.19% Sep 18, 20267.19%▲ from 7.06% Sep 15, 20267.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
30-year Fixed Rate MH Purchase	7.50%	0.125	7.593%	30-year
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 7.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
15-year Fixed Rate Jumbo Purchase	7.50%	0.000	7.604%	15-year
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 7.60% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Jumbo Cash-out Refinance	7.50%	0.250	7.645%	15-year Fixed Rate
Details Ex: Loan Amount: $910,000.00 Includes $250,000 Cash Out; Ex: Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.65% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
15-year Fixed Rate Jumbo Refinance	7.50%	0.500	7.686%	15-year
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 7.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
30-year Fixed Rate MH Refinance	7.625%	0.000	7.707%	30-year
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 7.71% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
15-year Fixed Rate MH Cash-out Refi	7.50%	0.625	7.742%	15-year
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
30-year Fixed Cash-out Refinance	7.75%	0.125	7.837%	30-year
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
30-year Fixed Rate MH Cash-out Refi	7.99%	0.125	8.125%	30-year
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 7.38% → 8.13% ▲ 0.75 pts · high 8.13% / low 7.38% Oct 2, 20268.13%▲ from 7.63% Sep 27, 20267.63%▲ from 7.38% Sep 18, 20267.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
20 Year Fixed Rate Land Purchase (20yr / 5yr balloon)	8.875%	0.000	9.349%	20 Year
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 9.73% → 9.35% ▼ 0.38 pts · high 9.98% / low 9.35% Oct 2, 20269.35%▼ from 9.98% Sep 27, 20269.98%▲ from 9.73% Sep 15, 20269.73%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%

First Fed Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
HELOC Variable Line of Credit with fixed intro rate for first 12 months	5.99%	-	7.00%
Details Intro rate for first 12 months; variable rate month 13-120. Current rate is 7.000%. *2 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
Home Equity 15-year Fixed Rate Home Loan	-	-	8.125%	15-year
Details Closing Costs: Paid by Customer Last Updated 10/07/2026 Rate History 3 changes since Sep 15, 2026 · 7.38% → 8.13% ▲ 0.75 pts · high 8.13% / low 7.38% Oct 7, 20268.13%▲ from 7.75% Sep 27, 20267.75%▲ from 7.50% Sep 18, 20267.50%▲ from 7.38% Sep 15, 20267.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%

First Fed Bank Other Rates

Product	Rate	Points	APY/APR	Term
30-year USDA Fixed Rate Purchase	6.875%	0.125	7.406%	30-year
Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 7.41% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
VA Home Loan: Purchase	7.00%	0.000	7.27%	30-year
Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.27% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%
VA Home Loan: Rate & Term Refi	7.125%	0.000	7.24%	30 months
Details Term: 30-year Fixed Rate VA Refinance Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.33%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First Fed Bank’s Texas Ratio rose from 1.40% in Q3 2023 to 12.33% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$2.1B	12.33%	5.0	A
March 31, 2026	$2.1B	12.89%	5.0	A
December 31, 2025	$2.1B	13.36%	5.0	A
September 30, 2025	$2.1B	8.36%	5.0	A
June 30, 2025	$2.2B	12.58%	5.0	A
March 31, 2025	$2.2B	11.93%	5.0	A
December 31, 2024	$2.2B	17.06%	4.8	B+
September 30, 2024	$2.2B	16.61%	4.9	A-
June 30, 2024	$2.2B	18.01%	4.8	B+
March 31, 2024	$2.2B	15.54%	5.0	A-
December 31, 2023	$2.2B	10.35%	5.0	A
September 30, 2023	$2.1B	1.40%	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 Fed Bank 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 Fed Bank 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 Fed Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Fed Bank

Bank Holding Company FIRST NORTHWEST BCORP

Address 105 W 8th St, Port Angeles, WA 98362 · Clallam

Website https://www.ourfirstfed.com

FDIC Certificate # 28405

Established 19230101

FDIC Insurance Date 19890809

Domestic Offices 14

Total Branches 14

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

12.33%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.1960%

Return on Equity (ROE) 2.2900%

Non-Performing Loans (NPL) 0.98%

Total Assets $2,106,581,000

Total Deposits $1,614,303,000

Equity Capital $180,916,000

Net Income $2,062,000

Headquarters Port Angeles

Total Branches and Offices 14

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First Fed Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/first-fred-bank-rates-review-28405">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for First Fed Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for First Fed Bank

Frequently Asked Questions About First Fed Bank

How many branches does First Fed Bank operate?

First Fed Bank currently maintains approximately 14 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 Fed Bank 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 Fed Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Fed Bank offer online and mobile banking?

Most modern institutions like First Fed Bank 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.ourfirstfed.com.

Current First Fed Bank Rates

12-Month CD3.00%
18-Month CD2.75%
36-Month CD2.90%
60-Month CD2.54%
Savings2.25%
MMA2.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

F&M Bank Maysville, OK Security First Bank Commercial State Bank, of Wagner The Bank of Houston Denali State Bank Vantage Bank Texas BayFirst National Bank Peoples Bank of Seneca First Electronic Bank State Bank & Trust Liberty Trust & Savings Bank Pecos County State Bank FNB of Brownstown Greene County Commercial Bank Basile State Bank Minnstar Bank Marine B&T Co FNB of Blanchester Liberty Bank of New Jersey F&M Bank of Central California Homeland FSB

First Fed Bank Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Fed Bank Texas Ratio

First Fed Bank Health Trend

First Fed Bank CD Rates

First Fed Bank Savings Rates

First Fed Bank Business Savings Rates

First Fed Bank Business Money Market Rates

First Fed Bank Checking Rates

First Fed Bank Mortgage Rates

First Fed Bank Home Equity & HELOC

First Fed Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financial Health & Assets

First Fed Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Fed Bank

How many branches does First Fed Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Fed Bank offer online and mobile banking?

Current First Fed Bank Rates

Compare to Other Banks