1) Student Savers: for individuals ages 0-24; minimum deposit of $5 to open. A parent or guardian must be a signer on the account with a minor under 16 years old. At age 25, the account will convert to a Statement Savings account. $4 charge per withdrawal over 9 per quarter including in person withdrawals. Current interest rate is 0.01% with an Annual Percentage Yield (APY) of 0.01% on balances of $5 and up; rates as of 7/25/25, interest rate and APY are subject to change without notice. Account will earn no interest any day the balance falls below $5. Fees may reduce earnings.
2) Open a new student savers account and receive a piggy bank at account opening. Piggy bank size and color may vary, while supplies last. Approximate retail value: $5.3) The 5.25% Annual Percentage Rate (APR) is a 12-month promotional rate. After 12 months, the APR will be based on a Margin and range from Prime +0% to Prime +3.5%, capped at 18%. As of 12/16/2025 the prime rate is 6.75%. An additional rate reduction of 0.25% for 12 months, with $25,000 in new funds deposited to a First Federal Bank checking account. 25 year term with a minimum limit of $15,000 and maximum loan amount of $500,000 on 1st mortgage and $250,000 on 2nd mortgage. 2nd mortgage available on site built homes only.
3) Introductory variable rate of 5.75% for the first 12 months, based on Prime Rate (6.75% as of 06/23/26) minus 1.00%. After the first 12 months, the rate will adjust to the Prime Rate. Rate is subject to change with changes in Prime. All lines are subject to credit approval and underwriting. Not all applicants will qualify for advertised rates and terms. Minimum line size of $50,000 and maximum line size of $1,000,000. A line fee of 1.0% applies unless a minimum of 10% of the line amount is drawn at closing, in which case the fee is 0.50% of the line amount. Borrower is responsible for customary closing costs. Rates are based on the current Prime Rate and are subject to change without notice. Updated July 1, 2026.