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First Fed Bank Rates & Review August 2026

First Fed Bank's 13-Months 13-Month rates are at 4.00%, 12-Months 12-Month Traditional and Roth IRA CD rates are at 3.64%, 7-Months 7-Month rates are at 3.60%, 12-Months Jumbo CD 12-Month rates are at 3.00%, 36-Months 36-Month Traditional and Roth IRA CD rates are at 2.90%. First Fed Bank's savings rates are at 0.01%. First Fed Bank's money market rates are at 0.01%. First Fed Bank's 15-year Fixed Rate Purchase rates are at 6.12%, 15-year Fixed Rate Refinance rates are at 6.12%, 30-year Fixed Rate VA Refinance rates are at 6.25%, 15-year Fixed Rate MH Purchase rates are at 6.25%, 15-year Fixed Rate MH Refinance rates are at 6.38%. 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 1.40%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.40%
Excellent Lower than avg
First Fed Bank
105 W 8th St
Port Angeles, WA 98362
https://www.ourfirstfed.com
Member FDIC

First Fed Bank CD Rates

Product Rate APY Term View More
13 month 3.92% 4.00% 13 months
Min Deposit $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
12 month Traditional and Roth IRA CD 3.58% 3.64% 12 months
Min Deposit $500
Details Open in a branch or by phone
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
7 month 3.54% 3.60% 7 months
Min Deposit $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Jumbo CD 12 month 2.96% 3.00% 12 Months
Min Deposit $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
36 month Traditional and Roth IRA CD 2.86% 2.90% 36 months
Min Deposit $500
Details Open in a branch or by phone
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Jumbo CD 18 month 2.71% 2.75% 18 Months
Min Deposit $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Jumbo CD 6 month 2.71% 2.75% 6 Months
Min Deposit $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
60 month Traditional and Roth IRA CD 2.51% 2.54% 60 months
Min Deposit $500
Details Open in a branch or by phone
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
1 Year 2.47% 2.50% 1 Year
Min Deposit $100
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
2 Years 2.23% 2.25% 2 Years
Min Deposit $100
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
3 month 2.23% 2.25% 3 Months
Min Deposit $100
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
3 Years 2.23% 2.25% 3 Years
Min Deposit $100
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
6 month 2.23% 2.25% 6 Months
Min Deposit $100
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
4 Years 1.89% 1.90% 4 Years
Min Deposit $100
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
5 Years 1.89% 1.90% 5 Years
Min Deposit $100
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
9 month 0.25% 0.25% 9 Months
Min Balance $25
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%

First Fed Bank Savings Rates

Product Rate APY View More
Rewards Savings 3.35% 3.35%
Min Deposit $25
Details Qualifying balances** less than $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
First Savings 2.23% 2.25%
Min Deposit $1
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Premium Business Savings 1.98% 2.00%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Alpine Savings 1.93% 1.95%
Min Balance $250,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Alpine Savings 1.88% 1.90%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Rewards Savings 0.05% 0.05%
Min Deposit $25
Details Non-Qualifying balances**
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Alpine Savings 0.03% 0.03%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Business Savings 0.03% 0.03%
Min Deposit $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Holiday Club 0.03% 0.03%
Min Deposit $25
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Premium Business Savings 0.03% 0.03%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Summit Savings 0.03% 0.03%
Min Deposit $100
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%

First Fed Bank Money Market Rates

Product Rate APY View More
Madrona Business Money Market 2.71% 2.75%
Min Balance $250,000
Details Method of Compounding: Daily
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Madrona Business Money Market 2.66% 2.70%
Min Balance $100,000
Details Method of Compounding: Daily
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Madrona Business Money Market 0.25% 0.25%
Min Balance $0
Details Method of Compounding: Daily
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%

First Fed Bank Checking Rates

Product Rate APY View More
Rewards Checking 1.00% 5.00%
Min Deposit $25
Min Balance $10,000
Details Qualifying balances** >= $10,000; Simple; Online Only
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Rewards Checking 0.10% 0.10%
Min Deposit $25
Details Non-Qualifying balances**; Simple; Online Only
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Cascade Checking 0.02% 0.02%
Min Deposit $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Cascade Checking 0.01% 0.01%
Min Deposit $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Cascade Checking 0.00% 0.00%
Min Deposit $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%

First Fed Bank Mortgage Rates

Product Rate Points APR Term View More
15-year Fixed Rate Purchase 6.13% 0.000 6.23% 15-year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
15-year Fixed Rate Refinance 6.13% 0.250 6.27% 15-year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate VA Refinance 6.25% 0.125 6.37% 30-year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
15-year Fixed Rate MH Purchase 6.25% 0.125 6.39% 15-year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
15-year Fixed Rate MH Refinance 6.38% 0.125 6.51% 15-year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate Cash-out VA Refinance 6.25% 0.125 6.52% 30-year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
15-year Fixed Cash-out Refinance 6.50% 0.250 6.65% 15-year
Details Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
15-year Fixed Rate Cash-out Refinance 6.50% 0.250 6.65% 15-year
Details Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate Purchase 6.63% 0.125 6.70% 30-year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
15-year Fixed Rate MH Cash-out Refi 6.50% 0.500 6.71% 15-year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate Jumbo Purchase 6.63% 0.375 6.72% 30-year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate MH Purchase 6.63% 0.500 6.75% 30-year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
15-year Fixed Rate Jumbo Purchase 6.63% 0.375 6.78% 15-year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
5/1 Adjustable Rate Mortgage (ARM) 6.13% 0.000 6.79%
Details Rates listed are for primary residence in single family home with a 25% down payment and borrower credit score of 780. Loan terms include an initial 5-year fixed P&I payment. After the initial fixed period, your P&I payment & interest rate adjusts annually based on the 1-year Constant Maturity Treasury (CMT) index plus a 3.00% margin (fully indexed rate) for the remaining term of the loan, the interest and payments may increase. Interest rate caps over the start rate are 1% initial, 2% subsequent and 5% lifetime. | Rate stated as: 6.125% first 5 years; then 1 year CMT + 3.00 adjusted annually for years 6-30
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
5/1 ARM 6.13% 0.000 6.79%
Details first 5 years; then 1 year CMT + 3.00 adjusted annually for years 6-30; maximum P&I payment over the remaining 25 years; Rates listed are for primary residence in single family home with a 25% down payment and borrower credit score of 780. Loan terms include an initial 5-year fixed P&I payment. After the initial fixed period, your P&I payment & interest rate adjusts annually based on the 1-year Constant Maturity Treasury (CMT) index plus a 3.00% margin (fully indexed rate) for the remaining term of the loan, the interest and payments may increase. Interest rate caps over the start rate are 1% initial, 2% subsequent and 5% lifetime.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Purchase: 7/1 Adjustable Rate Mortgage (ARM) - 7/1 ARM 6.38% 0.000 6.80%
Details Rate: 6.375%, first 7 years; then 1 year CMT + 3.00 adjusted annually for years 8-30
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate Refinance 6.75% 0.000 6.82% 30-year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate Jumbo Cash-out Refinance 6.75% 0.125 6.82% 30-year
Details Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate MH Refinance 6.75% 0.125 6.84% 30-year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
15-year Fixed Rate Jumbo Cash-out Refinance 6.75% 0.250 6.89% 15-year
Details Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate Jumbo Refinance 6.88% 0.000 6.94% 30-year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Cash-out Refinance 6.88% 0.250 6.97% 30-year
Details Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate Cash-out Refinance 6.88% 0.250 6.97% 30-year
Details Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
30-year Fixed Rate MH Cash-out Refi 6.88% 0.000 6.98% 30-year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
15-year Fixed Rate Jumbo Refinance 6.88% 0.125 6.99% 15-year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
20 Year Fixed Rate Land Purchase (20yr / 5yr balloon) 9.00% 0.000 9.48% 20 Year Fixed Rate Land Purchase (20yr / 5yr balloon)
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%

First Fed Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 4.25% 10-year interest-only draw period that converts to a 15-year fixed rate term
Details Variable rate may increase after closing, as it is determined by WSJ Prime + a margin with a minimum APR (Annual Percentage Rate) of 4.25% and a maximum APR of 18.00%. Example rates are based on a primary residence and borrower credit score of 720 and a Combined Loan to Value of 70%. Assumes the borrower has a first lien mortgage and the home equity line is a second lien on subject property. Max 80% LTV. An annual fee of $100 will apply after the first year and is waived with an established autopayment.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
HELOC Variable Line of Credit with fixed intro rate for first 12 months - - 6.75%
Details Intro rate: 5.990% for first 12 months; variable rate month 13-120. Current rate is 6.750%. *2
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%
Home Equity 15-year Fixed Rate Home Loan - - 7.38% 15-year
Details Closing Costs: Paid by Customer
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.40%

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
FDIC Certificate # 28405
Established 01/01/1923
FDIC Insurance Date 08/09/1989
Domestic Offices 15
Total Branches 15
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 99/100
5.0
Exceptional Out of 5.0 Stars
1.40%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.5886%
Return on Equity (ROE) 7.0600%
Non-Performing Loans (NPL) 0.12%
Total Assets $2,089,518,000
Total Deposits $1,604,046,000
Equity Capital $179,586,000
Net Income $-2,100,000
Headquarters Port Angeles
Total Branches and Offices 15
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About First Fed Bank

How many branches does First Fed Bank operate?

First Fed Bank currently maintains approximately 15 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 CD2.50%
  • 18-Month CD2.75%
  • 24-Month CD2.25%
  • 36-Month CD2.25%
  • 48-Month CD1.90%
  • 60-Month CD1.90%
  • Savings0.01%
  • MMA0.01%
Retrieved from our database of financial products. Rates subject to change.