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 - December 13, 2025
| 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 |
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$0 - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
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$0 Fees - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 31409 |
| Date Established | 1963 |
| Assets | $ 40.55 million |
| Loans | $ 35.53 million |
| Deposits | $ 28.31 million |
| Capital | $ 10.47 million |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 3.82 million |
| Interest-bearing balances | $ 3.75 million |
| Total securities | N.A. |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 35.53 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 | $ 30.08 million |
| LIABILITIES | |
| Total deposits | $ 28.31 million |
| Interest-bearing deposits | $ 28.19 million |
| Deposits held in domestic offices | $ 28.31 million |
| % insured (estimated)" | 95.52% |
| 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 | $ 30.08 million |
| Shareholders’ Equity | $ 10.47 million |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 1.18 million |
| Total Interest Expense | $ 0.46 million |
| Net interest income | $ 0.72 million |
| Provision for loan and lease losses | $ 0.01 million |
| Total non interest income | $ 0.03 million |
| Total non interest expense | $ 0.66 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%0.55x (National Avg. - 0.23%)$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.4.00%17.70x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
4.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,000 1,400 2 52,000 2,080 1,456 3 54,080 2,163 1,514 4 56,243 2,250 1,575 5 58,493 2,340 1,638 6 60,833 2,433 1,703 7 63,266 2,531 1,771 8 65,797 2,632 1,842 9 68,428 2,737 1,916 10 71,166 2,847 1,993 11 74,012 2,960 2,072 12 76,973 3,079 2,155 13 80,052 3,202 2,241 14 83,254 3,330 2,331 15 86,584 3,463 2,424 16 90,047 3,602 2,521 17 93,649 3,746 2,622 18 97,395 3,896 2,727 19 101,291 4,052 2,836 20 105,342 4,214 2,950 TOTAL $59,556 $41,689
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