Rates

Individual Retirement Accounts

An IRA CD offers the security of a traditional Certificate of Deposit with the tax advantages of an Individual Retirement Account (IRA).

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Mortgage Rates

Home loan financing terms, disclosures, and example scenarios.

Purchase: Conforming Loan Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Purchase 6.750% 6.795% .125 $450,000.00 $2918.69
15-year Fixed Rate Purchase 6.250% 6.322% .125 $450,000.00 $3858.40

Interest Rates Effective: 12/20/2024

Rates listed are for primary residence in single family home with a 25% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest 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.

Purchase: 7/1 Adjustable Rate Mortgage (ARM)

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Loan Type Loan Type Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment - 7 years Ex: Monthly Payment - 23 years
7/1 ARM 7.625%, first 7 years; then 1 year CMT + 3.00 adjusted annually for years 8-30 8.027% 0.000 $450,000 $3185.07 $4612.27 maximum P&I payment over the remaining 23 years

Interest Rates Effective: 12/20/2024

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 7-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 5% initial, 2% subsequent and 5% lifetime. APR (Annual Percentage Rate) is based on loan amount and interest rate and may increase after loan consummation. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rates, terms, and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs. 

Refinance: Rate-and-Term Refi Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Refinance 6.875% 6.920% .125 $450,000.00 $2956.18
15-year Fixed Rate Refinance 6.375% 6.428% .000 $450,000.00 $3889.13

Interest Rates Effective: 12/20/2024

Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. 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.

Refinance: Cash-out Refi Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Cash-out Refinance 7.125% 7.171% .125 $450,000 includes $150,000 cash out $3031.73
15-year Fixed Cash-out Refinance 6.750% 6.863% .375 $450,000 includes $150,000 cash out $3982.09

Interest Rates Effective: 12/20/2024

Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. 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. 

Jumbo: Purchase Loan Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Jumbo Purchase 6.750% 6.819% .375 $900,000 $5837.38
15-year Fixed Rate Jumbo Purchase 6.625% 6.718% .250 $900,000 $7901.94

Interest Rates Effective: 12/20/2024

Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest 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.

Jumbo: Rate-and-Term Refi Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Jumbo Refinance 7.125% 7.183% .250 $900,000.00 $6063.47
15-year Fixed Rate Jumbo Refinance 7.000% 7.074% .125 $900,000.00 $8089.45

Interest Rates Effective: 12/20/2024

Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. 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.

Jumbo: Cash-out Refi Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Jumbo Cash-out Refinance 7.125% 7.183% .250 $910,000.00 includes $250,000 cash out $6130.84
15-year Fixed Rate Jumbo Cash-out Refinance 7.000% 7.073% .125 $910,000.00 Includes $250,000 Cash Out $8179.34

Interest Rates Effective: 12/20/2024

Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. 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. 

Manufactured Homes: Purchase

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate MH Purchase 6.875% 6.939% .250 $375,000 $2463.48
15-year Fixed Rate MH Purchase 6.500% 6.563% .000 $375,000 $3266.65

Interest Rates Effective: 12/20/2024

Rates listed are for primary residence in manufactured home with a 25% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest 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.

Manufactured Homes: Refinance Rate-and-Term Refi Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate MH Refinance 7.000% 7.052% .125 $375,000.00 $2494.88
15-year Fixed Rate MH Refinance 6.500% 6.603% .250 $375,000.00 $3266.65

Interest Rates Effective: 12/20/2024

Rates listed are for primary residence in manufactured home with 25% equity and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. 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.

Manufactured Homes: Cash-out Refi

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
20-year Fixed Rate MH Cash-out Refi 7.250% 7.326% .125 $325,000.00 $2568.72
15-year Fixed Rate MH Cash-out Refi 7.000% 7.094% .125 $325,000.00 $2921.19

Interest Rates Effective: 12/20/2024

Rates listed are for primary residence in single family home with 35% equity and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. 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.

 

VA Home Loan: Purchase

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year VA Purchase 6.125% 6.165% .125 $500,000 $3038.05

Interest Rates Effective: 12/20/2024

Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest 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.

VA Home Loan: Rate & Term Refi

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate VA Refinance 6.125% 6.177% .250 $500,000 $3038.05

Interest Rates Effective: 12/20/2024

Rates listed are for primary residence in single family home with 0% equity and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. 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.

VA Home Loan: Cash-out Refi

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Cash-out VA Refinance 6.125% 6.180% .250 $450,000 $2734.25

Interest Rates Effective: 12/20/2024

Rates listed are for primary residence in single family home with 10% equity and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. 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.

USDA Home Loan: Purchase

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year USDA Fixed Rate Purchase 6.00% 6.028% .000 $500,000 $2997.75

Interest Rates Effective: 12/20/2024

Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest 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.

Land Loans Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
20 Year Fixed Rate Land Purchase (20yr / 5yr balloon) 9.250% 9.401% .000 $140,000 $1282.21

Interest Rates Effective: 12/20/2024

Rates listed are for an improved land purchase with a 30% down payment and borrower credit score of 780.  After first 5 years, remaining outstanding principal balance would be a balloon payment of $125,866.88 which could be paid in full or refinanced. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest 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.

Alpine Savings

Jan 23, 2023, 12:12 PM
Title : Alpine Savings
Effective date : 12/21/2024
Revised date : 12/20/2024
Column 1 header override : Balance
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override : Minimum Balance to Earn APY
External site URL :
External Site URL (for Quin Page) :
*APY is Annual Percentage Yield. Minimum deposit to open is $100,000 of new money, but can have additional funds from existing First Fed deposits. New money is described as funds not previously held on deposit at First Fed within the last 30 days. APY assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. If you close your account within 90 days of opening, you will be assessed a $15.00 early closing fee.
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Home Equity Line of Credit (HELOC) Rates

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Loan Type Closing Costs APR Ex: Line Amount Ex: Interest-only Monthly Payment (10-year draw) Ex: Monthly Payment (15-year fixed rate repayment)
Variable Line of Credit with intro rate for first 6 months Paid by Customer 6.490% intro for first 6 months; 8.250% months 7-120 $100,000 $540.83 for 6 months; $687.50 for 114 months $970.14
Non-Intro Variable Line of Credit Paid by Bank 8.250% $100,000 $687.50 for 120 months $970.14

Interest Rates Effective: 12/20/2024

Example rates are based on a primary residence and borrower credit score of 700. Assumes the borrower has a first lien mortgage and the home equity line is a second lien on subject property.  Closing costs may range between $737 and $3,500. Variable rate may increase after closing, as it is determined by WSJ Prime + a margin with a minimum APR of 4.25% and a maximum APR of 18.00%. Max 80% LTV.  Loan terms include a 10-year interest-only draw period and converts to a 15-year fixed rate term with principal and interest payments based on current interest rate in effect at time of conversion.  APR (Annual Percentage Rate) is based on loan amount, interest rate, LTV and credit score. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance.  There is a $100 annual fee to maintain a Home Equity Line of Credit. Rate, terms, and fees are subject to change without notice. Subject to credit approval.  Ask us about additional available loan programs. 

 

 

Deposit Rates

Rates for checking, savings, money market, CDs, retirement, and other interest-bearing accounts.

Alpine Savings

Jan 23, 2023, 12:12 PM
Title : Alpine Savings
Effective date : 12/21/2024
Revised date : 12/20/2024
Column 1 header override : Balance
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override : Minimum Balance to Earn APY
External site URL :
External Site URL (for Quin Page) :
*APY is Annual Percentage Yield. Minimum deposit to open is $100,000 of new money, but can have additional funds from existing First Fed deposits. New money is described as funds not previously held on deposit at First Fed within the last 30 days. APY assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. If you close your account within 90 days of opening, you will be assessed a $15.00 early closing fee.
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Alpine Savings

Jan 23, 2023, 12:12 PM
Title : Alpine Savings
Effective date : 12/21/2024
Revised date : 12/20/2024
Column 1 header override : Balance
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override : Minimum Balance to Earn APY
External site URL :
External Site URL (for Quin Page) :
*APY is Annual Percentage Yield. Minimum deposit to open is $100,000 of new money, but can have additional funds from existing First Fed deposits. New money is described as funds not previously held on deposit at First Fed within the last 30 days. APY assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. If you close your account within 90 days of opening, you will be assessed a $15.00 early closing fee.
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Alpine Savings

Jan 23, 2023, 12:12 PM
Title : Alpine Savings
Effective date : 12/21/2024
Revised date : 12/20/2024
Column 1 header override : Balance
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override : Minimum Balance to Earn APY
External site URL :
External Site URL (for Quin Page) :
*APY is Annual Percentage Yield. Minimum deposit to open is $100,000 of new money, but can have additional funds from existing First Fed deposits. New money is described as funds not previously held on deposit at First Fed within the last 30 days. APY assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. If you close your account within 90 days of opening, you will be assessed a $15.00 early closing fee.
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Alpine Savings

Jan 23, 2023, 12:12 PM
Title : Alpine Savings
Effective date : 12/21/2024
Revised date : 12/20/2024
Column 1 header override : Balance
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override : Minimum Balance to Earn APY
External site URL :
External Site URL (for Quin Page) :
*APY is Annual Percentage Yield. Minimum deposit to open is $100,000 of new money, but can have additional funds from existing First Fed deposits. New money is described as funds not previously held on deposit at First Fed within the last 30 days. APY assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. If you close your account within 90 days of opening, you will be assessed a $15.00 early closing fee.
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Alpine Savings

Jan 23, 2023, 12:12 PM
Title : Alpine Savings
Effective date : 12/21/2024
Revised date : 12/20/2024
Column 1 header override : Balance
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override : Minimum Balance to Earn APY
External site URL :
External Site URL (for Quin Page) :
*APY is Annual Percentage Yield. Minimum deposit to open is $100,000 of new money, but can have additional funds from existing First Fed deposits. New money is described as funds not previously held on deposit at First Fed within the last 30 days. APY assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. If you close your account within 90 days of opening, you will be assessed a $15.00 early closing fee.
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Alpine Savings

Jan 23, 2023, 12:12 PM
Title : Alpine Savings
Effective date : 12/21/2024
Revised date : 12/20/2024
Column 1 header override : Balance
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override : Minimum Balance to Earn APY
External site URL :
External Site URL (for Quin Page) :
*APY is Annual Percentage Yield. Minimum deposit to open is $100,000 of new money, but can have additional funds from existing First Fed deposits. New money is described as funds not previously held on deposit at First Fed within the last 30 days. APY assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. If you close your account within 90 days of opening, you will be assessed a $15.00 early closing fee.
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Alpine Savings

Jan 23, 2023, 12:12 PM
Title : Alpine Savings
Effective date : 12/21/2024
Revised date : 12/20/2024
Column 1 header override : Balance
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override : Minimum Balance to Earn APY
External site URL :
External Site URL (for Quin Page) :
*APY is Annual Percentage Yield. Minimum deposit to open is $100,000 of new money, but can have additional funds from existing First Fed deposits. New money is described as funds not previously held on deposit at First Fed within the last 30 days. APY assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. If you close your account within 90 days of opening, you will be assessed a $15.00 early closing fee.
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Jumbo CDs

Term Interest Rate $100,000 to $249,999.99 APY* Interest Rate $250,000+ APY* Method of Compounding Minimum to Open
6 Months 3.44% 3.50% 3.44% 3.50% Daily $100,000
12 Months 3.68% 3.75% 3.68% 3.75% Daily $100,000
18 Months 3.20% 3.25% 3.20% 3.25% Daily $100,000

Interest Rates Effective: 12/21/2024

Revised: 12/20/2024

Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest rate. Penalties may be imposed on early withdrawal. If your Jumbo CD balance falls below $100,000, the account will be closed and incur an early withdrawal penalty. Interest compounds daily.

*APY assumes funds remain on deposit for 1 year.

Alpine Savings

Jan 23, 2023, 12:12 PM
Title : Alpine Savings
Effective date : 12/21/2024
Revised date : 12/20/2024
Column 1 header override : Balance
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override : Minimum Balance to Earn APY
External site URL :
External Site URL (for Quin Page) :
*APY is Annual Percentage Yield. Minimum deposit to open is $100,000 of new money, but can have additional funds from existing First Fed deposits. New money is described as funds not previously held on deposit at First Fed within the last 30 days. APY assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. If you close your account within 90 days of opening, you will be assessed a $15.00 early closing fee.
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Alpine Savings

Jan 23, 2023, 12:12 PM
Title : Alpine Savings
Effective date : 12/21/2024
Revised date : 12/20/2024
Column 1 header override : Balance
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override : Minimum Balance to Earn APY
External site URL :
External Site URL (for Quin Page) :
*APY is Annual Percentage Yield. Minimum deposit to open is $100,000 of new money, but can have additional funds from existing First Fed deposits. New money is described as funds not previously held on deposit at First Fed within the last 30 days. APY assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. If you close your account within 90 days of opening, you will be assessed a $15.00 early closing fee.
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Alpine Savings

Jan 23, 2023, 12:12 PM
Title : Alpine Savings
Effective date : 12/21/2024
Revised date : 12/20/2024
Column 1 header override : Balance
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override : Minimum Balance to Earn APY
External site URL :
External Site URL (for Quin Page) :
*APY is Annual Percentage Yield. Minimum deposit to open is $100,000 of new money, but can have additional funds from existing First Fed deposits. New money is described as funds not previously held on deposit at First Fed within the last 30 days. APY assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened. If you close your account within 90 days of opening, you will be assessed a $15.00 early closing fee.
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Retirement & Education Savings Rates

Balance VIP Interest VIP APY Roth Interest Roth APY Coverdell Interest Coverdell APY
$0 to $4,999.99 0.03% 0.03% 0.03% 0.03% 0.03% 0.03%
$5,000 to $24,999.99 0.03% 0.03% 0.03% 0.03% 0.03% 0.03%
$25,000 to $49,999.99 0.08% 0.08% 0.08% 0.08% 0.08% 0.08%
$50,000 and above 0.08% 0.08% 0.08% 0.08% 0.08% 0.08%

Interest Rates Effective: 12/21/2024

Revised: 12/20/2024

Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Minimum opening deposit is $100.00 for Education Savings Accounts, $50.00 for ROTH, and $25.00 for VIP. Fees could reduce earnings.

Interest compounds daily and the interest rate may change monthly. Additional Deposits allowed on this account at any time during term.