Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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CD/IRA PICK YOUR TERM SPECIAL!
*APY=Annual Percentage Yield. Rates are effective 04/08/2025. Offer applies to personal and business accounts. Offer not available for institutional investors or public funds. Customers must reside in our deposit market area. The minimum amount to obtain the promotional rate is $5,000 and a maximum of $500,000. The APY and interest rate will not be applied to existing time deposits that automatically rollover. At maturity, promotional certificates will rollover into the term of the certificate chosen with the rate offered for that term at that time. Interest compounds semi-annually for the 13-month, 19-month, and 25-month term. For terms under 1-year interest compounds at maturity. The APY assumes interest remains on deposit until maturity. The minimum amount required to obtain the APY is $0.01. Cannot be combined with other offers. A penalty will be imposed for early withdrawal and will reduce earnings. Offer subject to change or be withdrawn at any time.
HELOC SPECIAL
Home Equity Line of Credit Special (HELOC) Revolving Line – Rates accurate as of 12/20/2024. After the 4.99% Annual Percentage Rate (APR) 6-month introductory period, the APR will be a variable rate based on Wall Street Journal Prime Rate (7.50% as of December 20, 2024). Minimum APR of 4.99% and a maximum APR of 16%. Prime may change at any time and is subject to change without notice. The introductory rate period begins on the date of account opening. Special 6-month introductory rate offer applies to new HELOC’s with a minimum $15,000 line amount for first and second lien loans. Processing and third-party fees, including appraisal, will be paid by the lender for first and second lien loans. For third lien loans to receive the no-fee special InFirst Bank must be in first and second lien position. All fees apply for loans between $5,000 and $14,999 or for third lien loans when InFirst Bank is not in first and second lien position. If refinancing an existing InFirst Bank HELOC to a new HELOC, a minimum of $15,000 new money is required to receive the 6-month introductory rate. Offer is based on a loan to value of 89% on an owner-occupied primary residence, subject to credit approval, and cannot be a purchase money mortgage. Taxes and property insurance are always required and flood insurance is required, if applicable.
A $25.00 annual fee applies. Payment listed is per $1000 borrowed and a minimum monthly payment of $100 applies. Consult your tax advisor about the deductibility of interest. Offer subject to change or be withdrawn at any time. Limit of one 6-month introductory interest rate special per customer.
HELOAN SPECIAL
*Home Equity Loan-Specials– (HELOAN) rates accurate as of 08/08/2024. No fee offer is based on first and second lien loans, a loan to value up to 89% on an owner-occupied primary residence, subject to credit approval. APR includes a .25% discount for automatic debit of the payment from an InFirst Bank checking account. Checking account requires direct deposit and online banking with eStatements. Your actual APR may be higher based on a review of your credit history. Processing and third-party fees, including appraisal, will be paid by the lender for first and second lien loans of $15,000 or more. For third lien loans to receive the no fee special InFirst Bank must be in first and second lien position. All fees apply to loans between $5,000 and $14,999 or for third lien loans when InFirst Bank is not in first and second lien position. Flood insurance is required where necessary. Taxes and property insurance are required. Using the chart above, you can calculate your monthly payment per $1,000 borrowed, or call us for assistance. Consult your tax advisor about the deductibility of interest. Offer subject to change or be withdrawn at any time. All loans subject to approval.
| Personal Checking Learn More | minimum Deposit to Open | Minimum Balance To Obtain APY | Interest Rate | APY |
|---|---|---|---|---|
| INFIR$T REWARD$ Cash Checking - Qualify* | $100.00 | $0.01 - $25,000 | 2.47% | 2.50%* |
no | $100.00 | $25,000.01+ Assuming a maximum balance of $125,000 and blending the below cap rate with the above cap rate. | 0.50% | 2.50%-0.90%* |
| INFIR$T REWARD$ Cash Checking - Did Not Qualify* | $100.00 | $0.01+ | 0.05% | 0.05%* |
| INFIR$T REWARD$ Cash Back Checking * | $100.00 | N/A | N/A | N/A |
| Interest Checking | $100.00 | $0.01 | 0.01% | 0.01% |
| Evergreen Checking | $100.00 | $0.01 | 0.01% | 0.01% |
| Personal Checking Learn More | minimum Deposit to Open | Minimum Balance To Obtain APY | Interest Rate | APY |
|---|---|---|---|---|
| INFIR$T REWARD$ Cash Checking - Qualify* | $100.00 | $0.01 - $25,000 | 2.47% | 2.50%* |
no | $100.00 | $25,000.01+ Assuming a maximum balance of $125,000 and blending the below cap rate with the above cap rate. | 0.50% | 2.50%-0.90%* |
| INFIR$T REWARD$ Cash Checking - Did Not Qualify* | $100.00 | $0.01+ | 0.05% | 0.05%* |
| INFIR$T REWARD$ Cash Back Checking * | $100.00 | N/A | N/A | N/A |
| Interest Checking | $100.00 | $0.01 | 0.01% | 0.01% |
| Evergreen Checking | $100.00 | $0.01 | 0.01% | 0.01% |
| Personal Checking Learn More | minimum Deposit to Open | Minimum Balance To Obtain APY | Interest Rate | APY |
|---|---|---|---|---|
| INFIR$T REWARD$ Cash Checking- Qualify* | $100.00 | $0.01 - $25,000 | 2.47% | 2.50%* |
no | $100.00 | $25,000.01+ Assuming a maximum balance of $125,000 and blending the below cap rate with the above cap rate. | 0.50% | 2.50%-0.90%* |
| INFIR$T REWARD$ Cash Checking - Did Not Qualify* | $100.00 | $0.01+ | 0.05% | 0.05%* |
| INFIR$T REWARD$ Cash Back Checking* | $100.00 | N/A | N/A | N/A |
| Interest Checking | $100.00 | $0.01 | 0.01% | 0.01% |
| Evergreen Checking | $100.00 | $0.01 | 0.01% | 0.01% |
| Personal Savings Learn More | Minimum Deposit To Open | Minimum balance to obtain APY | Interest Rate | APY |
|---|---|---|---|---|
| INFIR$T REWARD$ Savings - Qualify* | $0.01 | $0.01 - $100,000.00 | 1.79% | 1.80%* |
no | $0.01 | $100,000.01+Assuming a maximum balance of $250,000 and blending the below cap rate with the above cap rate. | 1.99% | 1.80% - 1.92% |
| INFIR$T REWARD$ Savings- Did Not Qualify* | $0.01 | $0.01+ | 0.05% | 0.05%* |
| Statement Savings | $100.00 | $0.01 - $24,999.99 | 0.02% | 0.02% |
no | $100.00 | $25,000.00 - $74,999.99 | 0.05% | 0.05% |
no | $100.00 | $75,000.00 + | 0.10% | 0.10% |
| CACHÉ Club | $0.01 | $0.01 | 0.15% | 0.15% |
| Personal Savings Learn More | Minimum Deposit To Open | Minimum balance to obtain APY | Interest Rate | APY |
|---|---|---|---|---|
| INFIR$T REWARD$ Savings - Qualify* | $0.01 | $0.01 - $100,000.00 | 1.79% | 1.80%* |
no | $0.01 | $100,000.01+Assuming a maximum balance of $250,000 and blending the below cap rate with the above cap rate. | 1.99% | 1.80% - 01.92% |
| INFIR$T REWARD$ Savings - Did Not Qualify* | $0.01 | $0.01+ | 0.05% | 0.05%* |
| Statement Savings | $100.00 | $0.01 - $24,999.99 | 0.02% | 0.02% |
no | $100.00 | $25,000.00 - $74,999.99 | 0.05% | 0.05% |
no | $100.00 | $75,000.00 + | 0.10% | 0.10% |
| CACHÉ Club | $0.01 | $0.01 | 0.15% | 0.15% |
| Personal Savings Learn More | Minimum Deposit To Open | Minimum balance to obtain APY | Interest Rate | APY |
|---|---|---|---|---|
| INFIR$T REWARD$ Savings - Qualify* | $0.01 | $0.01 - $100,000.00 | 1.79% | 1.80%* |
no | $0.01 | $100,000.01+Assuming a maximum balance of $250,000 and blending the below cap rate with the above cap rate. | 1.99% | 1.80% - 1.92% |
| INFIR$T REWARD$ Savings - Did Not Qualify* | $0.01 | $0.01+ | 0.05% | 0.05%* |
| Statement Savings | $100.00 | $0.01 - $24,999.99 | 0.02% | 0.02% |
no | $100.00 | $25,000.00 - $74,999.99 | 0.05% | 0.05% |
no | $100.00 | $75,000.00 + | 0.10% | 0.10% |
| CACHÉ Club | $0.01 | $0.01 | 0.15% | 0.15% |
| Business Learn More | Minimum Deposit To open | minimum balance to obtain apy | interest rate | apy |
|---|---|---|---|---|
| Small Business Checking w/ Interest | $100.00 | $0.01 - $9,999.99 | 0.01% | 0.01% |
no | $100.00 | $10,000.00 - $24,999.99 | 0.01% | 0.01% |
no | $100.00 | $25,000.00 and over | 0.01% | 0.01% |
| Business Statement Savings | $100.00 | $0.01 - $24,999.99 | 0.02% | 0.02% |
no | $100.00 | $25,000.00 - $74,999.99 | 0.05% | 0.05% |
no | $100.00 | $75,000.00 + | 0.10% | 0.10% |
| Business Learn More | Minimum Deposit To open | minimum balance to obtain apy | interest rate | apy |
|---|---|---|---|---|
| Small Business Checking w/ Interest | $100.00 | $0.01 - $9,999.99 | 0.01% | 0.01% |
no | $100.00 | $10,000.00 - $24,999.99 | 0.01% | 0.01% |
no | $100.00 | $25,000.00 and over | 0.01% | 0.01% |
| Business Statement Savings | $100.00 | $0.01 - $24,999.99 | 0.02% | 0.02% |
no | $100.00 | $25,000.00 - $74,999.99 | 0.05% | 0.05% |
no | $100.00 | $75,000.00 + | 0.10% | 0.10% |
| Business Learn More | Minimum Deposit To open | minimum balance to obtain apy | interest rate | apy |
|---|---|---|---|---|
| Small Business Checking w/ Interest | $100.00 | $0.01 - $9,999.99 | 0.01% | 0.01% |
no | $100.00 | $10,000.00 - $24,999.99 | 0.01% | 0.01% |
no | $100.00 | $25,000.00 and over | 0.01% | 0.01% |
| Business Statement Savings | $100.00 | $0.01 - $24,999.99 | 0.02% | 0.02% |
no | $100.00 | $25,000.00 - $74,999.99 | 0.05% | 0.05% |
no | $100.00 | $75,000.00 + | 0.10% | 0.10% |
Deposit Program(5) | to Open | Obtain APY | Rate | |
|---|---|---|---|---|
| Non-Profit Checking w/ Interest | $100.00 | $0.01 | 0.50% | 0.50% |
no | no | no | no | no |
| Non-Profit Money Market(1)(2)(3) | $2500.00 | $0.01 - $24,999.99 | 1.98% | 2.00% |
no | no | $25,000+ | 3.93% | 4.00% |
no | no | no | no | no |
| Non-Profit Certificate Bonus(1)(4) | no | no | 0.10% added to any current InFirst Bank CD rate when $5,000 or more new money is deposited. Qualifications apply. | no |
Deposit Program(5) | to Open | to Obtain APY | Rate | |
|---|---|---|---|---|
| Non-Profit Checking w/ Interest | $100.00 | $0.01 | 0.50% | 0.50% |
no | no | no | no | no |
| Non-Profit Money Market(1)(2)(3) | $2,500.00 | $0.01-$24,999.99 | 1.98% | 2.00% |
no | no | $25,000+ | 3.93% | 4.00% |
no | no | no | no | no |
| Non-Profit Certificate Bonus(1)(4) | no | no | 0.10% added to any current InFirst Bank CD rate when $5,000 or more new money is deposited. Qualifications apply. | no |
Deposit Program(5) | to Open | to Obtain APY | Rate | |
|---|---|---|---|---|
| Non-Profit Checking w/ Interest | $100.00 | $0.01 | 0.50% | 0.50% |
no | no | no | no | no |
| Non-Profit Money Market(1)(2)(3) | $2,500.00 | $0.01 - $24,999.99 | 1.98% | 2.00% |
no | no | $25,000+ | 3.93% | 4.00% |
no | no | no | no | no |
| Non-Profit Certificate Bonus(1)(4) | no | no | 0.10% added to any current InFirst Bank CD rate when $5,000 or more new money is deposited. Qualifications apply. | no |
| CD/IRA Learn More | minimum deposit to open | minimum balance to obtain apy | interest rate | apy |
|---|---|---|---|---|
| 3 Month CD | $500.00 | $0.01 | 0.100% | 0.10% |
| 6 Month CD | $500.00 | $0.01 | 2.500% | 2.50% |
| 9 Month CD | $500.00 | $0.01 | 2.500% | 2.50% |
| 1 Year CD | $500.00 | $0.01 | 3.224% | 3.25% |
| 2 Year CD | $500.00 | $0.01 | 2.484% | 2.50% |
| 3 Year CD | $500.00 | $0.01 | 1.742% | 1.75% |
| 4 Year CD | $500.00 | $0.01 | 1.742% | 1.75% |
| 5 Year CD | $500.00 | $0.01 | 1.742% | 1.75% |
| CD/IRA Learn More | minimum deposit to open | minimum balance to obtain apy | interest rate | apy |
|---|---|---|---|---|
| 3 Month CD | $500.00 | $0.01 | 0.10% | 0.10% |
| 6 Month CD | $500.00 | $0.01 | 2.500% | 2.50% |
| 9 Month CD | $500.00 | $0.01 | 2.500% | 2.50% |
| 1 Year CD | $500.00 | $0.01 | 3.224% | 3.25% |
| 2 Year CD | $500.00 | $0.01 | 2.484% | 2.50% |
| 3 Year CD | $500.00 | $0.01 | 1.742% | 1.75% |
| 4 Year CD | $500.00 | $0.01 | 1.742% | 1.75% |
| 5 Year CD | $500.00 | $0.01 | 1.742% | 1.75% |
| CD/IRA Learn More | minimum deposit to open | minimum balance to obtain apy | interest rate | apy |
|---|---|---|---|---|
| 3 Month CD | $500.00 | $0.01 | 0.100% | 0.10% |
| 6 Month CD | $500.00 | $0.01 | 2.500% | 2.50% |
| 9 Month CD | $500.00 | $0.01 | 2.500% | 2.50% |
| 1 Year CD | $500.00 | $0.01 | 3.224% | 3.25% |
| 2 Year CD | $500.00 | $0.01 | 2.484% | 2.50% |
| 3 Year CD | $500.00 | $0.01 | 1.742% | 1.75% |
| 4 Year CD | $500.00 | $0.01 | 1.742% | 1.75% |
| 5 Year CD | $500.00 | $0.01 | 1.742% | 1.75% |
| Home Equity Loans & Lines of Credit Learn More | rate | apr | payment per $1000 |
|---|---|---|---|
| 36 Month Home Equity Loan Special* | 5.63% | 5.62% | $30.25 |
| 36 Month Home Equity Loan** | 5.63% | 5.64% | $30.25 |
| 60 Month Home Equity Loan Special * | 5.63% | 5.63% | $19.16 |
| 60 Month Home Equity Loan** | 5.63% | 5.64% | $19.16 |
| 120 Month Home Equity Loan Special * | 5.75% | 5.76% | $10.98 |
| 120 Month Home Equity Loan** | 5.75% | 5.76% | $10.98 |
| 180 Month Home Equity Loan Special * | 6.00% | 6.00% | $8.44 |
| 180 Month Home Equity Loan** | 6.00% | 6.00% | $8.44 |
| 240 Month Home Equity Loan Special * | 6.25% | 6.25% | $7.31 |
| 240 Month Home Equity Loan** | 6.25% | 6.25% | $7.31 |
| Home Equity Line of Credit Special*** | 4.99% | 4.99% | $9.66 |
| Home Equity Line of Credit**** | 7.50% | 7.51% | $11.72 |
| Home Equity Loans & Lines of Credit Learn More | rate | apr | payment per $1000 |
|---|---|---|---|
| 36 Month Home Equity Loan Special* | 5.63% | 5.62% | $30.25 |
| 36 Month Home Equity Loan** | 5.63% | 5.64% | $30.25 |
| 60 Month Home Equity Loan Special * | 5.63% | 5.63% | $19.16 |
| 60 Month Home Equity Loan** | 5.63% | 5.64% | $19.16 |
| 120 Month Home Equity Loan Special * | 5.75% | 5.76% | $10.98 |
| 120 Month Home Equity Loan** | 5.75% | 5.76% | $10.98 |
| 180 Month Home Equity Loan Special * | 6.00% | 6.00% | $8.44 |
| 180 Month Home Equity Loan** | 6.00% | 6.00% | $8.44 |
| 240 Month Home Equity Loan Special * | 6.25% | 6.25% | $7.31 |
| 240 Month Home Equity Loan** | 6.25% | 6.25% | $7.31 |
| Home Equity Line of Credit Special*** | 4.99% | 4.99% | $9.66 |
| Home Equity Line of Credit**** | 7.50% | 7.51% | $11.72 |
| Home Equity Loans & Lines of Credit Learn More | rate | apr | payment per $1000 |
|---|---|---|---|
| 36 Month Home Equity Loan Special* | 5.63% | 5.62% | $30.25 |
| 36 Month Home Equity Loan** | 5.63% | 5.64% | $30.25 |
| 60 Month Home Equity Loan Special * | 5.63% | 5.63% | $19.16 |
| 60 Month Home Equity Loan** | 5.63% | 5.64% | $19.16 |
| 120 Month Home Equity Loan Special * | 5.75% | 5.76% | $10.98 |
| 120 Month Home Equity Loan ** | 5.75% | 5.76% | $10.98 |
| 180 Month Home Equity Loan Special * | 6.00% | 6.00% | $8.44 |
| 180 Month Home Equity Loan** | 6.00% | 6.00% | $8.44 |
| 240 Month Home Equity Loan Special * | 6.25% | 6.25% | $7.31 |
| 240 Month Home Equity Loan** | 6.25% | 6.25% | $7.31 |
| Home Equity Line of Credit Special*** | 4.99% | 4.99% | $9.66 |
| Home Equity Line of Credit**** | 7.50% | 7.51% | $11.72 |
| Mortgages Learn More | Rate | APR | payment per $1000 |
|---|---|---|---|
| 10 Year Fixed Rate Portfolio Mortgage* | 5.75% | 6.04% | $10.98 |
| 15 Year Fixed Rate Portfolio Mortgage* | 5.88% | 6.08% | $8.37 |
| 20 Year Fixed Rate Portfolio Mortgage* | 6.13% | 6.29% | $7.24 |
| 30 Year Fixed Rate Portfolio Mortgage* | 6.38% | 6.54% | $6.24 |
| 20/1 Adjustable Rate Mortgage w/ 30 yr Amortization** | 6.13% | 6.25% | $6.08 |
| Mortgages Learn More | Rate | APR | payment per $1000 |
|---|---|---|---|
| 10 Year Fixed Rate Portfolio Mortgage* | 5.75% | 6.04% | $10.98 |
| 15 Year Fixed Rate Portfolio Mortgage* | 5.88% | 6.08% | $8.37 |
| 20 Year Fixed Rate Portfolio Mortgage* | 6.13% | 6.29% | $7.24 |
| 30 Year Fixed Rate Portfolio Mortgage* | 6.38% | 6.54% | $6.24 |
| 20/1 Adjustable Rate Mortgage w/ 30 yr Amortization** | 6.13% | 6.25% | $6.08 |
| Mortgages Learn More | Rate | APR | payment per $1000 |
|---|---|---|---|
| 10 Year Fixed Rate Portfolio Mortgage* | 5.75% | 6.04% | $10.98 |
| 15 Year Fixed Rate Portfolio Mortgage* | 5.88% | 6.08% | $8.37 |
| 20 Year Fixed Rate Portfolio Mortgage* | 6.13% | 6.29% | $7.24 |
| 30 Year Fixed Rate Portfolio Mortgage* | 6.38% | 6.54% | $6.24 |
| 20/1 Adjustable Rate Mortgage w/ 30 yr Amortization** | 6.13% | 6.25% | $6.08 |
| Personal Loans Learn More | Rate | APR |
|---|---|---|
| 2 Year Personal Loan* | 13.00% | 13.20% |
| 3 Year Personal Loan* | 13.00% | 13.14% |
| 4 Year Personal Loan* | 12.00% | 12.11% |
| 5 Year Personal Loan* | 12.00% | 12.09% |
| Unsecured Personal Line of Credit** | 13.50% | 13.66% |
| Personal Loans Learn More | Rate | APR |
|---|---|---|
| 2 Year Personal Loan* | 13.00% | 13.20% |
| 3 Year Personal Loan* | 13.00% | 13.14% |
| 4 Year Personal Loan* | 12.00% | 12.11% |
| 5 Year Personal Loan* | 12.00% | 12.09% |
| Unsecured Personal Line of Credit** | 13.50% | 13.66% |
| Personal Loans Learn More | Rate | APR |
|---|---|---|
| 2 Year Personal Loan* | 13.00% | 13.20% |
| 3 Year Personal Loan* | 13.00% | 13.14% |
| 4 Year Personal Loan* | 12.00% | 12.11% |
| 5 Year Personal Loan* | 12.00% | 12.09% |
| Unsecured Personal Line of Credit** | 13.50% | 13.66% |
| Auto Loans | Rate | APR | Payment Per $1000 |
|---|---|---|---|
| 2024-2025 - up to 60 months new Auto Loan | 6.50% | 6.60% | $19.56 |
| 2024-2025 - 61 to 72 months new Auto Loan | 6.95% | 6.99% | $17.03 |
| 2021 & Newer - up to 60 months used Auto Loan | 7.00% | 7.10% | $19.80 |
| 2020 Model - up to 48 months used Auto Loan | 7.00% | 7.12% | $23.94 |
| 2019 Model - up to 36 months used Auto Loan | 7.25% | 7.41% | $30.99 |
| Auto Loans | Rate | APR | Payment Per $1000 |
|---|---|---|---|
| 2024-2025 - up to 60 months new Auto Loan | 6.50% | 6.60% | $19.56 |
| 2024-2025 - 61 to 72 months new Auto Loan | 6.95% | 6.99% | $17.03 |
| 2021 & Newer - up to 60 months used Auto Loan | 7.00% | 7.10% | $19.80 |
| 2020 Model - up to 48 months used Auto Loan | 7.00% | 7.12% | $23.94 |
| 2019 Model - up to 36 months used Auto Loan | 7.25% | 7.41% | $30.99 |
| Auto Loans | Rate | APR | Payment Per $1000 |
|---|---|---|---|
| 2024-2025 - up to 60 months new Auto Loan | 6.50% | 6.60% | $19.56 |
| 2024-2025 - 61 to 72 months new Auto Loan | 6.95% | 6.99% | $17.03 |
| 2021 & Newer - up to 60 months used Auto Loan | 7.00% | 7.10% | $19.80 |
| 2020 Model - up to 48 months used Auto Loan | 7.00% | 7.12% | $23.94 |
| 2019 Model - up to 36 months used Auto Loan | 7.25% | 7.41% | $30.99 |