Certificate Specials

Surf’s Up Certificate

Surf’s Up!

Earn 3.99% APY for 3 Months or 4.25% APY for 7 Months with a Surf’s Up Certificate.*

Minimum $5,000. Maximum $75,000. Limit of four per member.

1New Money Required.

Questions?
Contact Us.

Maturity/Renewal
The credit union will notify the account holder at least 20 days prior to maturity. Certificates with standard terms, including, but not limited to 6 months, 1 Year, 2 Years, 3 Years, 4 Years, and 5 Years, will automatically renew for the same term at the rate offered at the time of maturity unless the account holder informs the credit union otherwise, or the certificate term is no longer offered.

Certificate specials with non-standard terms, including but not limited to 9 months, 11 months, 13 months, and 15 months, will automatically roll over to the next lowest standard certificate term at the rate offered at the time of maturity unless instructed otherwise.

There is a grace period of ten (10) calendar days after maturity to change the term or withdraw the funds from the certificate account without being charged an early withdrawal penalty.


Early Withdrawal Penalty
If certificate funds other than dividends are withdrawn prior to maturity, the penalty assessed will be equal to one hundred and eighty (180) days of dividends.
The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.

Account Terms and Conditions

Surf’s Up Certificates require a minimum opening deposit of $5,000. There is a maximum deposit amount of $75,000. Limit four per member.

*APY = Annual Percentage Yield. Rates effective 06/18/2025 and are subject to change at any time without notice. This Surf’s Up Certificate Special applies to certificates opened between 06/18/2025 and 06/30/2025, with a 3-month or 7-month term only. To open this certificate and earn dividends, there is a minimum balance of $5,000 and a maximum balance of $75,000. There is a limit of four Surf’s Up Certificates per member. No add-on or step-up features are offered on these certificates. Surf’s Up Certificates will automatically roll over to the standard certificate term of 6 months at the rate offered at the time of maturity unless instructed otherwise. A penalty will be assessed for early withdrawals. Fees may reduce earnings. InFirst FCU membership is required.
1Must contain a minimum of $5,000 per every $20,000 on deposit in this certificate. New money is defined as funds not currently on deposit at InFirst FCU.