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Routing # 254075438

Special Promotions

Holiday Your Way Loan

Holiday Loan

Apply for a Holiday Loan for rates starting at 6.99% APR for 10 months.*

Apply for a Holiday Loan
*APR = Annual Percentage Rate. Available 11/28/2025 - 12/22/2025. The APR listed is the lowest available rate for the term and includes any available loan rate discounts. Rates, terms, and conditions are subject to change and vary based on creditworthiness, income, and other qualifications. Not all members will qualify for a Holiday Loan at the lowest rate. Payment example: 10 monthly payments of $103.22 per $1,000.00 borrowed. No other discounts apply. At no time can the discounted loan rate be lower that the credit union’s designated floor rate. InFirst FCU membership is required.

Double Up and Cash In

Earn up to $200 when you open a “Seeing Double” Certificate and a My Money+ Checking Account!

Here’s how it works:

  1. Open a “Seeing Double” Certificate.

    $5K new money & My Money+ = $50

    $10K new money & My Money+ = $100

    $15K new money & My Money+ = $150

    $20K new money & My Money+ = $200

You’ll earn 3.60% APY for 13 Months!† New Money Only
Open a "seeing double" certificate

2. Open your new My Money+ Checking Account.

Learn more about My Money+ Checking
Open a My Money+ Checking
        3. Plan how to spend your cold, hard cash because we’re going to deposit $50, $100, $150, or $200 in your account.††
†APY = Annual Percentage Yield. Rates effective 10/16/2025 and are subject to change at any time without notice. This “Seeing Double” Certificate Special applies to certificates opened between 10/16/2025 and 12/31/2025, with a 13-month term only. To open this certificate and earn dividends, there is a minimum balance of $5,000 and maximum balance of $20,000. There is a limit of five “Seeing Double” Certificates per member, however, only one bonus deposit will be paid per membership. No add-on or step-up features are offered on these certificates. This Certificate will automatically roll over to the standard certificate term of 12 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. Must be comprised entirely of new money. New money is defined as funds not currently on deposit at InFirst FCU.

††Applies to new My Money+ Checking Accounts opened at the same time as a “Seeing Double” Certificate. Account must be open and in good standing, which means no negative balance history, on 07/01/2026, when the bonus deposit is made. The bonus amount is determined by the new money deposited into the “Seeing Double” Certificate special. Certificates opened with $5,000 will earn a $50 bonus deposit, $10,000 will earn a $100 bonus deposit, $15,000 will earn a $150 bonus deposit, and $20,000 will earn a $200 bonus deposit. Terms and conditions apply. Limit one My Money+ Checking account per membership. InFirst employees, board members, and their family members are ineligible to participate in this promotion.

Cozy Certificate Special

Earn 3.51% APY for 11 months when you open a Cozy Certificate between 12/02/2025 and 12/20/2025!*

1New Money Only.

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

To open and earn dividends, Cozy Certificates require a minimum balance of $5,000. There is a maximum deposit amount of $100,000. Limit two per member.

Open a Share Certificate
View Our Current Savings Rates
*APY = Annual Percentage Yield. Rates effective 12/02/2025 and are subject to change at any time without notice. This Cozy Certificate Special applies to certificates opened between 12/02/2025 and 12/20/2025, with an 11-month term only. To open this certificate and earn dividends, there is a minimum balance of $5,000 and maximum balance of $100,000. There is a limit of two Cozy Certificates per member. No add-on or step-up features are offered on these certificates. This Certificate 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 be comprised entirely of new money. New money is defined as funds not currently on deposit at InFirst FCU.

Young Adult Visa® Rewards Credit Card
Balance Transfer Promo

Balance Transfer? More like interception!

Transfer your balance to a new Young Adult Visa® Rewards Credit Card to score an intro rate of 5.50% APR for 12 months*.

Post-promotional rate of 9.90% APR or 11.90% APR applies**.

  • No Balance Transfer Fee

  • No Annual Fee

  • Introductory rate applies to Purchases and Balance Transfers

  • Open your new card by 03/31/2026

Transferring your balance is easy!

  • Log into Online Banking

  • Click on Menu, then on Credit Cards

  • Click Balance Transfer on the menu to the right of the screen

Learn more about Visa Rewards Credit Card Benefits

Relax, you’ve got better banking!

Earn up to $150 when you open a new account†, plus, you’ll be entered to win $1,000!‡

Open A New Checking Account
†To be eligible for the $150 bonus, members must open a new InFirst Checking Account with a Direct Deposit, and any Share Certificate or Loan product between 11/10/2025 and 03/01/2026. Alternatively, members may choose to open a new inFirst Checking Account, with a debit card, and enroll in Online Banking, and eStatements during the promotional period, to be eligible for a $100 bonus instead. Any checking account that is closed and reopened will not qualify for this promotion. Only one bonus will be paid per eligible member.

††Members can choose to submit an alternate entry if they are otherwise unable to participate in the sweepstakes by mailing a 3x5 card with their name, email address, phone number, and mailing address to InFirst FCU, C/O Better Banking Promo, PO Box 11263, Alexandria, VA 22312. Odds of winning vary, depending on the number of entries. This contest is void where prohibited. One winner will be randomly selected on 03/02/2026 to receive a grand prize of $1,000. If the winning member is a minor, the prize will be awarded to the joint owner. Credit union employees, volunteers, and their family members are ineligible to participate in this promotion. For a complete list of rules, click here. To receive the bonus funds ($100, $150, and/or $1,000) the membership must be open and in good standing on 05/01/2026, when the bonus funds will be deposited into the InFirst Checking account on file. Good standing is defined as all shares with a positive balance and no history of transactions that result in a loss to the credit union. Winners are responsible for all taxes. InFirst FCU membership is required. InFirst employees, volunteers, and their family members are not eligible to participate in this promotion.