Certificate Specials

Treasure Hunt Certificate

Earn 4.02% APY for 23 months when you open a Treasure Hunt Certificate between 04/01/25 and 04/30/25!*

Minimum $4,000. Maximum $40,000. Limit of four Treasure Hunt Certificates per member.

1New Money Required.

KidsFirst Youth Certificate Special

Earn 4.21% APY for 15 months when you open a KidsFirst Certificate between 04/01/25 and 04/30/25!**

Minimum $4,000. Maximum $40,000. Limit of four KidsFirst Certificates 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If certificate funds other than dividends are withdrawn prior to maturity, the penalty assessed will be equal to one hundred and eighty (180) days of dividends.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

Treasure Hunt Certificates require a minimum opening deposit of $4,000. There is a maximum deposit amount of $40,000. Limit four Treasure Hunt Certificates per member.

KidsFirst Youth Certificates require a minimum opening deposit of $4,000. There is a maximum deposit amount of $40,000. Limit four KidsFirst Certificates per member.

*APY = Annual Percentage Yield. A penalty will be assessed for early withdrawals. Fees may reduce earnings. This Treasure Hunt Certificate Special applies to certificates opened between 04/01/2025 and 04/30/2025, with a 23-month term only, and has a minimum opening balance of $4,000 and a maximum balance of $40,000. There is a limit of four Treasure Hunt Certificates per member. No add-on or step-up features are offered on these certificates. Rates effective 04/01/2025 and are subject to change at any time without notice. Treasure Hunt Certificates will automatically roll over to the standard certificate term of 12 months at the rate offered at the time of maturity unless instructed otherwise. InFirst FCU membership is required.
1Must be entirely funded with new money. New money is defined as funds not currently on deposit at InFirst FCU.

**APY = Annual Percentage Yield. A penalty will be assessed for early withdrawals. Fees may reduce earnings. This KidsFirst Certificate Special applies to certificates opened between 04/01/2025 and 04/30/2025, with a 15-month term only, and has a minimum openng balance of $4,000 and a maximum balance of $40,000. There is a limit of four KidsFirst Certificates per member. No add-on or step-up features are offered on these certificates. Available on Youth Accounts, where the primary account-holder is age 18 or under. Rates effective 04/01/2025 and are subject to change at any time without notice. KidsFirst Certificates will automatically roll over to the standard certificate term of 12 months at the rate offered at the time of maturity unless instructed otherwise. InFirst FCU membership is required. 1Must be entirely funded with new money. New money is defined as funds not currently on deposit at InFirst FCU.
1Must be entirely funded with new money. New money is defined as funds not currently on deposit at InFirst FCU.