DEPOSIT INTEREST RATES
These Rates are Effective as of May 9, 2008
Type of Account
Interest Rate
Annual Percentage Yield**
Minimum Balance to Open
Minimum Balance to Obtain APY
Frequency of Rate Change*
N.O.W.
.500%
.501%
$100.00
$200.00
Variable
 
Savings
.750%
.753%
$10.00
$10.00
Variable
 
Money Market
.500%
.501%
$2500.00
$200.00
Variable
1.000%
1.005%
$2500.00
$2,500.00
Variable
Premier Money Market ***
1.50%
1.51%
$10,000.00
$10,000.00 to $24,999.99
Variable
To be eligible for the Premier Money Market, you must have a new or existing First Federal Savings N.O.W
account and debit card.
2.35%
2.37%
$25000.00
to $49,999.99
Variable
 
2.65%
2.68%
$50,000.00 to $99,999.99
Variable
 
3.15%
3.20%
$100,000.00
or greater
Variable
CERTIFICATES****
           
90 Day
2.38%
2.40%
$1,000.00
$1,000.00
6 Month Simple
2.67%
2.67%
$1,000.00
$1,000.00
6 Month Compounded
2.67%
2.70%
$10,000.00
$10,000.00
9 Month
2.67%
2.70%
$1,000.00
$1,000.00
10 Month
2.67%
2.70%
$1,000.00
$1,000.00
  
1 Year
2.67%
2.70%
$1,000.00
$1,000.00
15 Month
2.67%
2.70%
$1,000.00
$1,000.00
  
1 1/2 Year
2.67%
2.70%
$1,000.00
$1,000.00
2 Year
2.67%
2.70%
$1,000.00
$1,000.00
2 1/2 Year
2.67%
2.70%
$1,000.00
$1,000.00
4 Year
2.67%
2.70%
$2,500.00
$2,500.00
CD Special!          
4 1/2 Year - Limited time only
3.11%
3.15%
$25,000.00
$25,000.00
  
           
INDIVIDUAL RETIREMENT ACCOUNTS *****
1 1/2 Year
3.11%
3.15%
$100.00
$100.00
5 Year
3.30%
3.35%
$100.00
$100.00
*For variable rate accounts, rates may change after the account is opened.
**Fees could reduce earnings.
***Please note If the account falls below $10,000.00 no interest is earned.
**** A penalty may be imposed for early withdrawal.
*****IRS penalties for early withdrawal may also apply.
LOYALTY PROGRAM
Our Loyalty Program may earn you higher rates on your certificate of deposit based on your other First Federal Savings accounts and services. Please contact us for more information!

LOAN INTEREST RATES
Our loan portfolio offers a wide variety of products that offer flexibility to fit your specific needs. Please contact one of our friendly and knowledgeable loan officers, listed below, to inquire on our current rates.
Bath
Charlotte Kaplan or David Platteter

(207) 442-8711 or (800) 499-8711 in-state callers only.
Boothbay Harbor
Judy Marshall

(207) 633-7412 or (800) 750-2660 in-state callers only.
Damariscotta
Brenda Scherer

(207) 563-3111
 

EQUAL HOUSING LENDEREqual Housing Lender, Member FDIC MEMBER FDIC