Graduation Certificate Special
Earn 3.29% APY for 28 months with a Graduation Certificate!*
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If certificate funds other than dividends are withdrawn prior to maturity, the penalty assessed will be equal to one hundred and eighty (180) days of dividends.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, Graduation Certificates require a minimum balance of $10,000. There is a maximum deposit amount of $500,000. Limit two per member.
*APY = Annual Percentage Yield. Rates effective 05/06/2026 and are subject to change at any time without notice. This Graduation Certificate Special applies to certificates opened between 05/06/2026 and 06/08/2026, with 28-month terms only. To open this certificate and earn dividends, there is a minimum opening balance of $10,000.00 required. There is a maximum balance of $500,000. There is a limit of two Graduation Certificates per member. No add-on features are offered on these certificates. Graduation Certificates will automatically roll over to the standard certificate term of 24 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.
1Must be entirely funded with new money. New money is defined as funds not currently on deposit at InFirst FCU. InFirst FCU membership is required.
Member Video Testimonial
Has InFirst saved you money? Maybe we came through for you when others wouldn’t. Whether our My Money+ Checking was a game changer, or our Visa® Rewards Credit Card saved you a ton in interest - everyone has a story to tell, and we want to hear yours!
Send us a video of how InFirst has helped you. Video length should be 30-60 seconds. Featured videos will be showcased in our branches, on our website, and on social media.
Tips for the best video:
• Be yourself! No script needed.
• Dress comfortably and minimize background noise and distractions.
• Members will receive an incentive for their time.*
• If you need assistance filming your video? Let us know! We are happy to film your testimonial in one of our branches.
*Limit one video submission per member. Must be a current InFirst FCU member. InFirst employees, volunteers and their family members are ineligible for incentive bonus. All members who submit a video testimonial on or before 05/31/2026 will receive a $5 deposit in their InFirst Share Savings on 06/01/2026. Not all video submissions will be featured in our Branches, on our website or on social media. We will select up to 12 video testimonials to feature in our Branches, on our website and social media. Members whose video testimonials are featured will receive a $200 deposit into their InFirst Share Savings account on or before 06/15/2026. Members are compensated for their time, not their opinions.
Member Referral
Turns out, there is such a thing as easy money.
Earn $50.00 for you and a friend.*
Not so fine print:
• You’ll both need to be members to be paid.
Choose our FREE Ultimate Checking (earn up to 1.00% APY!†), Unlimited Checking, or My Money+ Checking†,‡, if you’re the type who likes bells and whistles to help you save money.
The hardest part is deciding which one.
• Your friend will need to open a new Checking Account with us.
*Applies to new memberships opened between 04/07/2026 and 07/31/2026. To be eligible for the $50 bonus, accounts must be open
and in good standing (no NSF activity at InFirst FCU) on 08/31/2026 when the bonus funds will be deposited. New members must have
been referred by an existing InFirst member and must open a new Savings Account with at least $5 and a Checking Account with at least
$25 to qualify. InFirst Checking Accounts are variable-rate accounts that may change after account opening. InFirst FCU employees, Board
Members, Volunteers, and their family members are ineligible for this promotion.
†Annual Percentage Yield (APY): 1.00% APY, accurate as of 04/01/2026; rate subject to change. Limit one per member. Minimum balance of
$25 required to open and earn the APY. Fees may reduce earnings. Rate tiers are as follows: 1.00% APY applies to the portion of the balance
from $0.01 to $10,000.00. The portion of the balance from $10,000.01 to $15,000.00 will earn 0.05% APY. The portion of the balance over
$15,000.00 will earn 0% APY. If qualifications are not met, 0.05% APY will be earned on balances up to $15,000. HOW TO QUALIFY FOR
THE HIGHEST DIVIDEND TIER AND WAIVED BENEFIT FEE: 1. Make 15 Visa® Debit Card purchases at a store or online, each exceeding $3
per transaction, per month. 2. Make a monthly deposit into your account via direct deposit, mobile deposit, or a deposit at one of our
branches (not a shared branch), with a monthly aggregate of $500 or more. 3. Enroll in eStatements. 4. All Visa Debit Card purchases
and all deposits must post during the month to qualify for the higher dividend rate tier.
†,‡Members can opt into the added benefit feature for $5.95 per month. This fee is waived by meeting the criteria listed above and
maintaining a monthly aggregate share balance of $5,000 or an aggregate loan balance of $10,000, excluding balances held in real
estate loans. If these qualifications are not met during a given month, the lower dividend rate will be earned, and the benefit fee of
$5.95 will be assessed. Certain terms and conditions may apply. Benefits registration/activation required.