First Federal Savings and Loan Association (30812) Reviews and Rates

First Federal Savings and Loan Association (30812)

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.firstwithus.com

228-762-4034

903 Jackson Ave
Pascagoula, MS 39568-0640

First Federal Savings and Loan Association (30812) is headquartered in PASCAGOULA and is the 33^rd largest bank in the state of Mississippi. It is also the 2,155^th largest bank in the nation. It was established in 1955 and as of December of 2024, it had grown to 53 employees at 6 locations. First Federal Savings and Loan Association (30812)'s savings rates are 6X the national average, and it has an A health rating.

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Health

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	30812
Year Established	1955
Employees	53
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.18%
Return on Equity - YTD	1.99%
Annual Interest Income	$17.4MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$378.7MM$360.4MM
Loans	Q4 2024vs Q4 2023	$313.1MM$296.7MM
Deposits	Q4 2024vs Q4 2023	$236.6MM$220.1MM
Equity Capital	Q4 2024vs Q4 2023	$34MM$33.2MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$1.3MM$1.5MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$908K$817K
Real Estate Owned	Q4 2024vs Q4 2023	$791K$527K

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Federal Savings and Loan Association (30812) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%^*	$250k^*	-	Essential Savings
OTHER TIERS: 2.50% → $0 - $100k \| 2.75% → $100k - $250k
0.05%	$20	-	Money Fund Account
0.02%	$20	-	Passbook Savings Account
0.02%	$20	-	Christmas Club Account

First Federal Savings and Loan Association (30812) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%^*	$250k^*	-	First Choice Money Market
OTHER TIERS: 0.75% → $10k - $100k \| 1.00% → $100k - $250k
0.25%	$1k	-	First Catastrophe Savings - Money Market Account

First Federal Savings and Loan Association (30812) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
6.00%	$600	$600	Legacy Checking
5.00%	$500	$500	First4ME Checking

First Federal Savings and Loan Association (30812) CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.75%	$1k	-	7 Month Smart Rate CD - LIMITED OFFER
3.50%	$10k	-	13 Month Smart Rate CD - LIMITED OFFER
2.10%	$100k	-	1 Year Jumbo CD
2.00%	$1k	-	1 Year CD
1.95%	$100k	-	5 Year Jumbo CD
1.85%	$1k	-	5 Year CD
1.80%	$100k	-	3 Year Jumbo CD
1.70%	$1k	-	3 Year CD
1.60%	$100k	-	8 Year Jumbo CD
1.60%	$100k	-	6 Month Jumbo CD
1.50%	$1k	-	6 Month CD
1.50%	$1k	-	4 Year CD
1.50%	$1k	-	8 Year CD
1.45%	$1k	-	6 Year CD
1.35%	$100k	-	2 Year Jumbo CD
1.25%	$1k	-	2 Year CD

First Federal Savings and Loan Association (30812) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%	$1k	-	1 Year IRA
1.85%	$1k	-	5 Year IRA
1.70%	$1k	-	3 Year IRA
1.50%	$1k	-	6 Month IRA
1.50%	$1k	-	18 Month IRA
0.02%	$500	-	IRA Access Fund

Locations

First Federal Savings and Loan Association (30812) Locations
Vancleave Branch	10900 Highway 57	Vancleave, MS 39565
2601 Hwy 90 Branch	1414 Highway 90	Gautier, MS 39553
3905 Beinville Boulevard Branch	3905 Beinville Boulevard	Ocean Springs, MS 39564
4201 Bellview Branch	4201 Bellview	Moss Point, MS 39563
First Federal Savings and Loan Association	903 Jackson Ave	Pascagoula, MS 39567
Hurley Branch	Hway 613	Hurley, MS 39555

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