Rates effective 10/1/2026
Share Certificates and IRA Share Certificates Specials**
Share Certificates and IRA Share Certificates
Individual Retirement Accounts, and Money Market IRA Accounts
| Type | Minimum to Open | Minimum to Earn APY | APY* | Dividend Rate |
|---|---|---|---|---|
| Individual Retirement Accounts | $5.00 | $150.00 | 0.05% | 0.05% |
| Money Market IRA Accounts Up to $9,999.99 |
$5.00 | $150.00 | 0.15% | 0.15% |
| Money Market IRA Accounts $10,000.00 to $24,999.99 |
$5.00 | $10,000.00 | 0.20% | 0.20% |
| Money Market IRA Accounts $25,000.00 to $74,999.99 |
$5.00 | $25,000.00 | 0.30% | 0.30% |
| Money Market IRA Accounts $75,000.00 and greater |
$5.00 | $75,000.00 | 0.50% | 0.50% |
Money Market Accounts (Includes Business Accounts)
| Type | Minimum to Open | Minimum to Earn APY | APY* | Dividend Rate |
|---|---|---|---|---|
| Up to $9,999.99 | $5.00 | $150.00 | 0.15% | 0.15% |
| $10,000.00 to $24,999.99 | $5.00 | $10,000.00 | 0.20% | 0.20% |
| $25,000.00 to $74,999.99 | $5.00 | $25,000.00 | 0.30% | 0.30% |
| $75,000.00 and greater | $5.00 | $75,000.00 | 0.50% | 0.50% |
Club Accounts
| Type | Minimum to Open | Minimum to Earn APY | APY* | Dividend Rate |
|---|---|---|---|---|
| Custom Club | $5.00 | $150.00 | 0.05% | 0.05% |
| Special Savings | $5.00 | $150.00 | 0.05% | 0.05% |
| Winter Holiday Club | $5.00 | $150.00 | 0.05% | 0.05% |
Youth Savings & Youth Share Certificates
| Type | Minimum to Open | Minimum to Earn APY | APY* | Dividend Rate |
|---|---|---|---|---|
| Youth Savings | $5.00 | $25.00 | 0.50% | 0.50% |
| Youth Share Certificates 6 Month - Certificate |
$100.00 | $100.00 | 0.75% | 0.75% |
| Youth Share Certificates 1 Year - Certificate |
$100.00 | $100.00 | 1.76% | 1.75% |
| Youth Share Certificates 2 Year - Certificate |
$100.00 | $100.00 | 2.78% | 2.75% |
| Youth Share Certificates 3 Year - Certificate |
$100.00 | $100.00 | 2.52% | 2.50% |
| Youth Share Certificates 4 Year - Certificate |
$100.00 | $100.00 | 2.42% | 2.40% |
| Youth Share Certificates 5 Year - Certificate |
$100.00 | $100.00 | 2.42% | 2.40% |
Savings (Includes Business Accounts)
| Type | Minimum to Open | Minimum to Earn APY | APY* | Dividend Rate |
|---|---|---|---|---|
| Prime Share/Savings | $5.00 | $150.00 | 0.05% | 0.05% |
Account Terms and Conditions
*APY= Annual Percentage Yield. Dividends are paid from current income and available earnings, after required transfers to reserves, at the end of the dividend period. Early withdrawal penalties may be applied. Fees may reduce earnings. Prime Savings, Youth Savings, Custom Club, Winter Club, and Money Market accounts are variable rate accounts that may change after account opening. All newly opened and existing account deposit rates and terms are subject to change without notice.
**APY = Annual Percentage Yield. Rates effective 10/1/26 and are subject to change prior to account opening. Applies to Share Certificates opened starting 10/1/26. Available terms: 7 months at 4.00% APY (3.94% Dividend Rate); 11 months at 4.25% APY (4.18% Dividend Rate); 15 months at 4.30% APY (4.23% Dividend Rate). A minimum opening balance of $1,000 is required to open this certificate and earn dividends. Maximum balance of $750,000. Limit four per member. No add-on features are offered on these certificates. At maturity, automatically rolls over to the next-lowest standard certificate term (7-month to a 6-month, 11-month to a 6-month, 15-month to a 1-year) at the rate offered at the time of maturity, unless instructed otherwise. A penalty will be assessed for early withdrawals. Fees may reduce earnings.
¹Must be entirely funded with new money. New money is defined as funds not currently on deposit at InFirst FCU. Federally insured by NCUA. InFirst FCU membership is required. Rate subject to change.