What are the current interest rates at First FSB of Twin Falls?

Current rates for First FSB of Twin Falls include: 12-Month CD: 3.51%, 18-Month CD: 3.56%, 48-Month CD: 3.66%, 60-Month CD: 3.71%, Savings: 10.47%, MMA: 3.04%

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First FSB of Twin Falls

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First FSB of Twin Falls Rates & Review October 2026

Q: How many branches does First FSB of Twin Falls operate?

First FSB of Twin Falls 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 FSB of Twin Falls 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 FSB of Twin Falls provides members with tools to manage their accounts and build a solid financial history.

Q: Does First FSB of Twin Falls offer online and mobile banking?

Most modern institutions like First FSB of Twin Falls 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.BankFirstFed.com.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

First FSB of Twin Falls's top rates as of October 14, 2026 are 3.82% APY on its Jumbo Certificates of Deposit - 5 Years CD, 10.47% APY on savings, 3.04% APY on money market accounts, 4.51% APY on checking, and auto loans from 7.22% APR, according to rates verified by MonitorBankRates. Other First FSB of Twin Falls CD rates include Jumbo Certificates of Deposit - 4 Years at 3.76%, 5 Years 5 Year Certificate of Deposit at 3.71%, and Certificates of Deposit (CDs) - 5 Years at 3.71%. MonitorBankRates evaluates the financial stability of First FSB of Twin Falls with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.04%. Rates last updated and verified on 10/14/2026.

First FSB of Twin Falls 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 FSB of Twin Falls? Share your experience about First FSB of Twin Falls by leaving a review below, or read customer reviews before you decide to use First FSB of Twin Falls.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.04%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First FSB of Twin Falls

383 Shoshone St N
Twin Falls, ID 83301

https://www.BankFirstFed.com

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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 FSB of Twin Falls CD Rates

Product	Rate	APY	Term
Jumbo Certificates of Deposit - 5 Years	3.75%	3.82%	5 Years
Min Deposit $100,000 Details Jumbo CD; $100,000 minimum deposit to open; Interest rates and APYs accurate as of 7/21/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.82% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Jumbo Certificates of Deposit - 4 Years	3.70%	3.76%	4 Years
Min Deposit $100,000 Details Jumbo CD; $100,000 minimum deposit to open; Interest rates and APYs accurate as of 7/21/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.76% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
5 Year Certificate of Deposit	3.65%	3.71%	5 Years
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.71% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 5 Years	3.65%	3.71%	5 Years
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 3.71% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Jumbo Certificates of Deposit - 30 month	3.65%	3.71%	30 Months
Min Deposit $100,000 Details Jumbo CD; $100,000 minimum deposit to open; Interest rates and APYs accurate as of 7/21/2026 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.71% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
4 Year Certificate of Deposit	3.60%	3.66%	4 Years
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 4 Years	3.60%	3.66%	4 Years
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Jumbo Certificates of Deposit - 18 month	3.60%	3.66%	18 Months
Min Deposit $100,000 Details Jumbo CD; $100,000 minimum deposit to open; Interest rates and APYs accurate as of 7/21/2026 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.66% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
30 Month Certificate of Deposit	3.55%	3.61%	30 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.61% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 30 month	3.55%	3.61%	30 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.61% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Jumbo Certificates of Deposit - 12 month	3.55%	3.61%	12 Months
Min Deposit $100,000 Details Jumbo CD; $100,000 minimum deposit to open; Interest rates and APYs accurate as of 7/21/2026 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.61% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Jumbo Certificates of Deposit - 6 month	3.55%	3.61%	6 Months
Min Deposit $100,000 Details Jumbo CD; $100,000 minimum deposit to open; Interest rates and APYs accurate as of 7/21/2026 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.61% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
18 Month Certificate of Deposit	3.50%	3.56%	18 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.56% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 18 month	3.50%	3.56%	18 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.56% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
12 Month Certificate of Deposit	3.45%	3.51%	12 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
6 Month Certificate of Deposit	3.45%	3.51%	6 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 12 month	3.45%	3.51%	12 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 6 month	3.45%	3.51%	6 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Jumbo Certificates of Deposit - 3 month	3.45%	3.51%	3 Months
Min Deposit $100,000 Details Jumbo CD; $100,000 minimum deposit to open; Interest rates and APYs accurate as of 7/21/2026 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
3 Month Certificate of Deposit	3.35%	3.40%	3 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 3 month	3.35%	3.40%	3 Months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

First FSB of Twin Falls Savings Rates

Product	Rate	APY
SuperSaver Savings	10.00%	10.47%
Min Deposit $10 Details Qualifications Required; Balance: Below $500.01; APY ranges from 10.47% to 7.79% at the next tiers. If eligibility requirements are not met, the interest rate is 0.10% with an APY of 0.10%. Last Updated 10/14/2026 Rate History 1 change since Oct 7, 2026 · 0.10% → 10.47% ▲ 10.37 pts · high 10.47% / low 0.10% Oct 14, 202610.47%▲ from 0.10% Oct 7, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Sawtooth Savings	0.25%	0.25%
Min Deposit $10 Min Balance $50,000 Details Balance: Equal to or greater than $50,000.00; Tier 6 Last Updated 10/14/2026 Rate History No change since Oct 3, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Sawtooth Savings	0.20%	0.20%
Min Deposit $10 Min Balance $25,000 Details Balance: Equal to or greater than $25,000.00 but less than $50,000.00; Tier 5 Last Updated 10/14/2026 Rate History No change since Oct 3, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Sawtooth Savings	0.15%	0.15%
Min Deposit $10 Min Balance $10,000 Details Balance: Equal to or greater than $10,000.00 but less than $25,000.00; Tier 4 Last Updated 10/14/2026 Rate History No change since Oct 3, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Kids Ca$h Savings	0.10%	0.10%
Min Balance $5 Details Balance: $5 (average daily balance); Interest compounded and credited monthly; variable rate account Last Updated 10/14/2026 Rate History No change since Oct 3, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Mutual Savings	0.10%	0.10%
Min Balance $5 Details Minimum Balance Required to Obtain APY: $5 (average daily balance) Last Updated 10/14/2026 Rate History No change since Oct 3, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Sawtooth Savings	0.10%	0.10%
Min Deposit $10 Min Balance $1,000 Details Balance: Equal to or greater than $1,000.00 but less than $10,000.00; Tier 3 Last Updated 10/14/2026 Rate History No change since Oct 3, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Sawtooth Savings	0.05%	0.05%
Min Deposit $10 Min Balance $100 Details Balance: Equal to or greater than $100.00 but less than $1,000.00; Tier 2 Last Updated 10/14/2026 Rate History No change since Oct 3, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

First FSB of Twin Falls Money Market Rates

Product	Rate	APY
Money Market	3.00%	3.04%
Min Balance $2,500,000 Details Balance: Equal to or greater than $2,500,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.04% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Money Market	2.60%	2.63%
Min Balance $1,000,000 Details Balance: Equal to or greater than $1,000,000.00 but less than $2,500,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 2.63% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Money Market	2.10%	2.12%
Min Balance $500,000 Details Balance: Equal to or greater than $500,000.00 but less than $1,000,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 2.12% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Money Market	1.60%	1.61%
Min Balance $250,000 Details Balance: Equal to or greater than $250,000.00 but less than $500,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.61% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Money Market	1.10%	1.11%
Min Balance $100,000 Details Balance: Equal to or greater than $100,000.00 but less than $250,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.11% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Money Market	0.85%	0.85%
Min Balance $50,000 Details Balance: Equal to or greater than $50,000.00 but less than $100,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Money Market	0.65%	0.65%
Min Balance $25,000 Details Balance: Equal to or greater than $25,000.00 but less than $50,000.00 Last Updated 10/14/2026 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: 0.04%
Money Market	0.40%	0.40%
Min Balance $10,000 Details Balance: Equal to or greater than $10,000.00 but less than $25,000.00 Last Updated 10/14/2026 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: 0.04%
Money Market	0.20%	0.20%
Min Balance $1,000 Details Balance: Equal to or greater than $1,000.00 but less than $10,000.00 Last Updated 10/14/2026 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: 0.04%
Money Market	0.05%	0.05%
Min Balance $0 Details Balance: Below $1,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

First FSB of Twin Falls Business Money Market Rates

Product	Rate	APY
Business Money Market	3.00%	3.04%
Min Deposit $1,000 Min Balance $2,500,000 Details Balance: Equal to or greater than $2,500,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.04% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Business Money Market	2.60%	2.63%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: Equal to or greater than $1,000,000.00 but less than $2,500,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 2.63% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Business Money Market	2.10%	2.12%
Min Deposit $1,000 Min Balance $500,000 Details Balance: Equal to or greater than $500,000.00 but less than $1,000,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 2.12% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Business Money Market	1.60%	1.61%
Min Deposit $1,000 Min Balance $250,000 Details Balance: Equal to or greater than $250,000.00 but less than $500,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.61% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Business Money Market	1.10%	1.11%
Min Deposit $1,000 Min Balance $100,000 Details Balance: Equal to or greater than $100,000.00 but less than $250,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.11% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Business Money Market	0.85%	0.85%
Min Deposit $1,000 Min Balance $50,000 Details Balance: Equal to or greater than $50,000.00 but less than $100,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Business Money Market	0.65%	0.65%
Min Deposit $1,000 Min Balance $25,000 Details Balance: Equal to or greater than $25,000.00 but less than $50,000.00 Last Updated 10/14/2026 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: 0.04%
Business Money Market	0.40%	0.40%
Min Deposit $1,000 Min Balance $10,000 Details Balance: Equal to or greater than $10,000.00 but less than $25,000.00 Last Updated 10/14/2026 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: 0.04%
Business Money Market	0.20%	0.20%
Min Deposit $1,000 Min Balance $1,000 Details Balance: Equal to or greater than $1,000.00 but less than $10,000.00 Last Updated 10/14/2026 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: 0.04%
Business Money Market	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: Below $1,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

First FSB of Twin Falls Checking Rates

Product	Rate	APY
Red Rewards Checking	4.42%	4.51%
Min Deposit $100 Min Balance $0 Details Qualifications Required; Balance: Below $20,000.01; Qualifying balance up to $20,000.00; 4.42% interest rate, 4.51% APY; Interest compounded and credited monthly; Balances over $20,000.00 earn 0.40% interest rate (0.40% APY) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Wings Youth Checking	0.03%	0.03%
Min Balance $700 Details Minimum average daily balance to obtain APY: $700; Interest compounded and credited monthly Last Updated 10/14/2026 Rate History No change since Oct 3, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

First FSB of Twin Falls Business Checking Rates

Product	Rate	APY	View More
Business Red Rewards Checking	4.42%	4.51%
Min Deposit $100 Min Balance $0 Details Qualifications Required; Balance: $0.00 - $20,000.00; 4.42% interest rate, 4.51% APY on balances up to and including $20,000.00; $100 minimum opening deposit required Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

First FSB of Twin Falls Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit (HELOC)	6.75%	-	6.773%
Details Rates and APRs as of 10/14/2026; Rate quoted for liens in first position; APR subject to automatic payment from a First Federal checking account; Maximum APR of 18.00% Last Updated 10/14/2026 Rate History 2 changes since Sep 15, 2026 · 6.50% → 6.77% ▲ 0.27 pts · high 7.00% / low 6.50% Sep 24, 20266.77%▼ from 7.00% Sep 19, 20267.00%▲ from 6.50% Sep 15, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Home Equity Loan	7.50%	-	7.535%
Details Rates and APRs as of 10/14/2026; Rate quoted for liens in first position; rates vary by qualification and term selected Last Updated 10/14/2026 Rate History 5 changes since Sep 15, 2026 · 6.66% → 7.54% ▲ 0.88 pts · high 7.54% / low 6.66% Oct 14, 20267.54%▲ from 7.29% Oct 7, 20267.29%▲ from 7.16% Sep 27, 20267.16%▲ from 7.04% Sep 24, 20267.04%▲ from 6.91% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

First FSB of Twin Falls Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan	6.974%	-	7.22%	72-Month
Details Rates and APRs as of 010/02/2026. Examples assume FICO score >=720; LTV < 95%; Age of Vehicle <= 6yr (2020 or newer model yr). *Stated APR subject to criteria, including having an active First Federal Personal Checking Acct at time of closing. Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 7.22% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Vehicle Loan	6.974%	-	7.267%	60-Month
Details Rates and APRs as of 010/02/2026. Examples assume FICO score >=720; LTV < 95%; Age of Vehicle <= 6yr (2020 or newer model yr). *Stated APR subject to criteria, including having an active First Federal Personal Checking Acct at time of closing. Last Updated 10/14/2026 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: 0.04%
Vehicle Loan	6.974%	-	7.337%	48-Month
Details Rates and APRs as of 010/02/2026. Examples assume FICO score >=720; LTV < 95%; Age of Vehicle <= 6yr (2020 or newer model yr). *Stated APR subject to criteria, including having an active First Federal Personal Checking Acct at time of closing. Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 7.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

First FSB of Twin Falls Other Rates

Product	Rate	Points	APY/APR
MMDA	0.05%	-	0.05%
Min Balance $100 Details Balance: Equal to or greater than $100.00 but less than $1,000.00; Tier 2 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
MMDA	0.10%	-	0.10%
Min Balance $1,000 Details Balance: Equal to or greater than $1,000.00 but less than $10,000.00; Tier 3 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
MMDA	0.15%	-	0.15%
Min Balance $10,000 Details Balance: Equal to or greater than $10,000.00 but less than $25,000.00; Tier 4 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
MMDA	0.20%	-	0.20%
Min Balance $25,000 Details Balance: Equal to or greater than $25,000.00 but less than $50,000.00; Tier 5 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
MMDA	0.25%	-	0.25%
Min Balance $50,000 Details Balance: Equal to or greater than $50,000.00; Tier 6 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

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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Financial Health History

First FSB of Twin Falls’s Texas Ratio stayed near 0.24% in Q3 2023 to 0.04% 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 4.9 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	$1.4B	0.04%	5.0	A+
March 31, 2026	$1.4B	0.41%	5.0	A+
December 31, 2025	$1.4B	1.06%	5.0	A+
September 30, 2025	$1.5B	2.55%	5.0	A+
June 30, 2025	$1.5B	0.04%	5.0	A+
March 31, 2025	$1.5B	0.04%	5.0	A+
December 31, 2024	$1.5B	0.33%	5.0	A+
September 30, 2024	$1.5B	0.81%	5.0	A+
June 30, 2024	$1.6B	0.35%	4.9	A+
March 31, 2024	$1.6B	0.41%	4.7	A
December 31, 2023	$1.5B	0.06%	5.0	A+
September 30, 2023	$1.4B	0.24%	4.9	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 FSB of Twin Falls 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 FSB of Twin Falls 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 FSB of Twin Falls's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First FSB of Twin Falls

FDIC Certificate # 28845

Address 383 Shoshone St N, Twin Falls, ID 83301 · Twin Falls

Website https://www.BankFirstFed.com

Established 19160101

FDIC Insurance Date 19890809

Domestic Offices 14

Total Branches 14

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.04%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2745%

Return on Equity (ROE) 13.6700%

Non-Performing Loans (NPL) 0.00%

Total Assets $1,420,568,000

Total Deposits $1,251,041,000

Equity Capital $138,130,000

Net Income $9,124,000

Headquarters Twin Falls

Total Branches and Offices 14

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First FSB of Twin Falls earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About First FSB of Twin Falls

How many branches does First FSB of Twin Falls operate?

First FSB of Twin Falls 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 FSB of Twin Falls 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 FSB of Twin Falls provides members with tools to manage their accounts and build a solid financial history.

Does First FSB of Twin Falls offer online and mobile banking?

Most modern institutions like First FSB of Twin Falls 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.BankFirstFed.com.

Current First FSB of Twin Falls Rates

12-Month CD3.51%
18-Month CD3.56%
48-Month CD3.66%
60-Month CD3.71%
Savings10.47%
MMA3.04%

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

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First FSB of Twin Falls Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First FSB of Twin Falls Texas Ratio

First FSB of Twin Falls Health Trend

First FSB of Twin Falls CD Rates

First FSB of Twin Falls Savings Rates

First FSB of Twin Falls Money Market Rates

First FSB of Twin Falls Business Money Market Rates

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First FSB of Twin Falls Business Checking Rates

First FSB of Twin Falls Home Equity & HELOC

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First FSB of Twin Falls Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financial Health & Assets

First FSB of Twin Falls earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First FSB of Twin Falls

How many branches does First FSB of Twin Falls operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First FSB of Twin Falls offer online and mobile banking?

Current First FSB of Twin Falls Rates

Compare to Other Banks