First Federal Savings and Loan Association
First Federal Savings and Loan Association is an FDIC insured institution headquartered at
211 W Main St, Morehead, KY 40351.
It was founded in
1963 and has approximately $0 billion in assets. Customers can open an account at one of its 1 branches.
Deposit Rates - February 02, 2026
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.13% | $5 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.25% | $1,000 | Compare |
|
12 Mo CD
|
0.40% | $500 | Compare |
|
24 Mo CD
|
0.45% | $500 | Compare |
|
30 Mo CD
|
0.50% | $500 | Compare |
|
36 Mo CD
|
0.55% | $500 | Compare |
|
48 Mo CD
|
0.75% | $500 | Compare |
|
60 Mo CD
|
0.80% | $500 | Compare |
|
Special: 60 Mo CD
|
1.00% | $1,000 | Compare |
Featured Home Equity Rates
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NMLS ID: 1717824 / Updated 2025-09-22Intro APR: 6.950 %
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NMLS ID: 292473 / Updated 2025-09-22Intro APR: 6.950 %
After Intro:6.950 %
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Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-12-22Intro APR: 5.990 %
After Intro:7.000 %
Intro Period: 12 months
$25,000 - Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Featured 30-Year Fixed Mortgage Rates
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Quicken Loans
NMLS ID: 167283Fees & Points Total
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Rocket Mortgage
NMLS ID: 3030Fees & Points Total
Pts ($0)
$0 Fees - Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 31409 |
| Date Established | 1963 |
| Assets | $ 41.45 million |
| Loans | $ 36.36 million |
| Deposits | $ 29.03 million |
| Capital | $ 10.57 million |
Summary Balance Sheet as of September 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 3.75 million |
| Interest-bearing balances | $ 3.74 million |
| Total securities | N.A. |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 36.36 million |
| Loan loss allowance | $ 0.45 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 1.10 million |
| Total Assets | $ 30.88 million |
| LIABILITIES | |
| Total deposits | $ 29.03 million |
| Interest-bearing deposits | $ 28.97 million |
| Deposits held in domestic offices | $ 29.03 million |
| % insured (estimated)" | 95.16% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 0.32 millionn |
| Total Liabilities | $ 30.88 million |
| Shareholders’ Equity | $ 10.57 million |
Summary Income Statement as of September 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 1.77 million |
| Total Interest Expense | $ 0.69 million |
| Net interest income | $ 1.08 million |
| Provision for loan and lease losses | $ 0.01 million |
| Total non interest income | $ 0.05 million |
| Total non interest expense | $ 1.00 million |
| Pre-tax Net Operating Income | $ 0.04 million |
Customer Reviews for First Federal Savings and Loan Association
Branches
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First Federal Savings and Loan Association Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only."
- 1LOCAL SAVINGSBankKENTUCKY$50,000N.A.0.13%0.56x (National Avg. - 0.22%)$5-SCENARIO
Year Rate
0.13%Annual
InterestAnnual Interest
(After Tax)1 50,000 63 44 2 50,063 63 44 3 50,125 63 44 4 50,188 63 44 5 50,250 63 44 6 50,313 63 44 7 50,376 63 44 8 50,439 63 44 9 50,502 63 44 10 50,565 63 44 11 50,629 63 44 12 50,692 63 44 13 50,755 63 44 14 50,819 64 44 15 50,882 64 45 16 50,946 64 45 17 51,009 64 45 18 51,073 64 45 19 51,137 64 45 20 51,201 64 45 TOTAL $1,265 $885 - 2ONLINE SAVINGSBank-$50,000N.A.3.75%16.74x (National Avg. - 0.22%)$1,000-SCENARIO
Year Rate
3.75%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,875 1,313 2 51,875 1,945 1,362 3 53,820 2,018 1,413 4 55,839 2,094 1,466 5 57,933 2,172 1,521 6 60,105 2,254 1,578 7 62,359 2,338 1,637 8 64,697 2,426 1,698 9 67,124 2,517 1,762 10 69,641 2,612 1,828 11 72,252 2,709 1,897 12 74,962 2,811 1,968 13 77,773 2,916 2,042 14 80,689 3,026 2,118 15 83,715 3,139 2,198 16 86,854 3,257 2,280 17 90,111 3,379 2,365 18 93,491 3,506 2,454 19 96,996 3,637 2,546 20 100,634 3,774 2,642 TOTAL $54,408 $38,085
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