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CD/IRA SPECIAL

CD/IRA PICK YOUR TERM SPECIAL!

  • 07 months – 5.10% APY*
  • 13 months – 5.00% APY*
  • 19 months – 4.60% APY*
  • 25 months – 4.20% APY*

Disclosure

Home Equity Line of Credit Special

HELOC SPECIAL

  • 4.99% APR – 6 month introductory rate
  • NO processing fees and NO closing costs!
  • See disclosure for details and qualifications.

Disclosure

HELOAN Special

HELOAN SPECIAL

  • 6.25% APR up to 5 years
  • 6.50% APR up to 10 years
  • 6.88% APR up to 15 years
  • 7.13% APR up to 20 years
  • No processing fees and NO closing costs!
  • See disclosure for details and qualifications.

Disclosure

PERSONAL CHECKING RATES
Personal Checking Learn Moreminimum Deposit to OpenMinimum Balance To Obtain APYInterest RateAPY
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 $0.01 0.01% 0.01%
Personal Checking Learn Moreminimum Deposit to OpenMinimum Balance To Obtain APYInterest RateAPY
INFIR$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 $0.01 0.01% 0.01%
Personal Checking Learn Moreminimum Deposit to OpenMinimum Balance To Obtain APYInterest RateAPY
INFIR$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 $0.01 0.01% 0.01%
PERSONAL SAVINGS RATES
Personal Savings Learn MoreMinimum Deposit To OpenMinimum balance to obtain APYInterest RateAPY
INFIR$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 $0.01 0.15% 0.15%
Personal Savings Learn MoreMinimum Deposit To OpenMinimum balance to obtain APYInterest RateAPY
INFIR$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 $0.01 0.15% 0.15%
Personal Savings Learn MoreMinimum Deposit To OpenMinimum balance to obtain APYInterest RateAPY
INFIR$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 RATES
Business
Learn More
Minimum Deposit To openminimum balance to obtain apyinterest rateapy
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 openminimum balance to obtain apyinterest rateapy
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 openminimum balance to obtain apyinterest rateapy
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%
NON-PROFIT DEPOSIT PROGRAM
Non-Deposit
Deposit Program(5)
Minimum Deposit
to Open
Minimum Balance to
Obtain APY
Interest
Rate
APY
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 2.10% 2.125%

no

no

$25,000+ 4.17% 4.25%

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

Disclosure

APY=Annual Percentage Yield. (1)The Non-Profit Money Market (MMDA) and Certificate of Deposit (CD) bonus are offered in conjunction with the Non-Profit Checking. If the Non-Profit Checking is closed, InFirst reserves the right to move the Non-Profit MMDA to a regular Business MMDA and the bonus rate for CD’s will not apply. (2)Non-Profit MMDA Rates are variable and based on the following index; Balances less than $25,000 will earn an APY equal to 25% of the Wall Street Journal Prime rate as published; Balances of $25,000 or more will earn an APY equal to 50% of the Wall Street Journal Prime rate as published. (3)Must maintain a minimum balance of $2,500 in the MMDA to avoid a $10 monthly minimum balance fee. (4)Bonus points added to the InFirst Bank rate/term chosen as available to the public on the date of account opening. New money is defined as money that has not been on deposit in any InFirst Bank deposit account within the last 30-days. (5)To qualify as non-profit for this program, organizations must be exempt from federal income taxation. Documentation of tax-exempt status is required. Subject to change or be withdrawn at any time.

Non-Profit
Deposit Program(5)
Minimum Deposit
to Open
Minimum Balance
to Obtain APY
Interest
Rate
APY
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 2.10% 2.125%

no

no

$25,000+ 4.17% 4.25%

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

Disclosure

APY=Annual Percentage Yield. (1)The Non-Profit Money Market (MMDA) and Certificate of Deposit (CD) bonus are offered in conjunction with the Non-Profit Checking. If the Non-Profit Checking is closed, InFirst reserves the right to move the Non-Profit MMDA to a regular Business MMDA and the bonus rate for CD’s will not apply. (2)Non-Profit MMDA Rates are variable and based on the following index; Balances less than $25,000 will earn an APY equal to 25% of the Wall Street Journal Prime rate as published; Balances of $25,000 or more will earn an APY equal to 50% of the Wall Street Journal Prime rate as published. (3)Must maintain a minimum balance of $2,500 in the MMDA to avoid a $10 monthly minimum balance fee. (4)Bonus points added to the InFirst Bank rate/term chosen as available to the public on the date of account opening. New money is defined as money that has not been on deposit in any InFirst Bank deposit account within the last 30-days. (5)To qualify as non-profit for this program, organizations must be exempt from federal income taxation. Documentation of tax-exempt status is required. Subject to change or be withdrawn at any time.

Non-Profit
Deposit Program(5)
Minimum Deposit
to Open
Minimum Balance
to Obtain APY
Interest
Rate
APY
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 2.10% 2.125%

no

no

$25,000+ 4.17% 4.25%

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

Disclosure

APY=Annual Percentage Yield. (1)The Non-Profit Money Market (MMDA) and Certificate of Deposit (CD) bonus are offered in conjunction with the Non-Profit Checking. If the Non-Profit Checking is closed, InFirst reserves the right to move the Non-Profit MMDA to a regular Business MMDA and the bonus rate for CD’s will not apply. (2)Non-Profit MMDA Rates are variable and based on the following index; Balances less than $25,000 will earn an APY equal to 25% of the Wall Street Journal Prime rate as published; Balances of $25,000 or more will earn an APY equal to 50% of the Wall Street Journal Prime rate as published. (3)Must maintain a minimum balance of $2,500 in the MMDA to avoid a $10 monthly minimum balance fee. (4)Bonus points added to the InFirst Bank rate/term chosen as available to the public on the date of account opening. New money is defined as money that has not been on deposit in any InFirst Bank deposit account within the last 30-days. (5)To qualify as non-profit for this program, organizations must be exempt from federal income taxation. Documentation of tax-exempt status is required. Subject to change or be withdrawn at any time.

CD/IRA RATES
CD/IRA
Learn More
minimum deposit to openminimum balance to obtain apyinterest rateapy
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 openminimum balance to obtain apyinterest rateapy
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 openminimum balance to obtain apyinterest rateapy
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 AND LINES OF CREDIT RATES
Home Equity Loans & Lines of Credit
Learn More
rateaprpayment per $1000
36 Month Home Equity Loan Special* 6.25% 6.26% $30.54
36 Month Home Equity Loan** 6.25% 6.26% $30.54
60 Month Home Equity Loan Special * 6.25% 6.26% $19.45
60 Month Home Equity Loan** 6.25% 6.26% $19.45
120 Month Home Equity Loan Special * 6.50% 6.51% $11.36
120 Month Home Equity Loan** 6.50% 6.51% $11.36
180 Month Home Equity Loan Special * 6.88% 6.88% $8.92
180 Month Home Equity Loan** 6.88% 6.88% $8.92
240 Month Home Equity Loan Special * 7.13% 7.13% $7.83
240 Month Home Equity Loan** 7.13% 7.13% $7.83
Home Equity Line of Credit Special*** 4.99% 4.99% $9.66
Home Equity Line of Credit**** 8.50% 8.51% $12.54
Home Equity Loans & Lines of Credit Rates Disclosure

Annual Percentage Rate (APR) is subject to change at any time.

HELOAN Disclosure
*Home Equity Loan-Specials– (HELOAN) rates accurate as of 04/18/2024. 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 loans of $15,000 or more. All fees apply to loans between $5,000 and $14,999. 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.

**Home Equity Loan-Non-specials– (HELOAN) Rates accurate as of 04/18/2024. Loan requests up to 89% loan to value for loans between $5,000 and $14,999. 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. Cost of appraisal and closing fees are the responsibility of the applicant. 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

HELOC Disclosure
***Home Equity Line of Credit Special (HELOC) Revolving Line – Rates accurate as of 04/10/2024. 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 (8.50% as of July 27, 2023). 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.  Processing and third-party fees, including appraisal, will be paid by the lender. Special 6-month introductory rate offer applies to new HELOC’s with a $15,000 minimum line amount for first and second lien loans. All fees apply for loans between $5,000 and $14,999. 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.

**** Home Equity Line of Credit Non-Special (HELOC) Revolving Line – Rates accurate as of 07/27/2023. APR is based on Prime Rate (8.50% as of July 27, 2023). Minimum APR is 8.51%; maximum APR is 16%. Prime may change at any time and is subject to change without notice. Non-special based on lines of credit under a $15,000 limit. Available for 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. Cost of appraisal evaluation and closing fees are the responsibility of the applicant. 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.

Home Equity Loans & Lines of Credit
Learn More
rateaprpayment per $1000
36 Month Home Equity Loan Special* 6.25% 6.26% $30.54
36 Month Home Equity Loan** 6.25% 6.26% $30.54
60 Month Home Equity Loan Special * 6.25% 6.26% $19.45
60 Month Home Equity Loan** 6.25% 6.26% $19.45
120 Month Home Equity Loan Special * 6.50% 6.51% $11.36
120 Month Home Equity Loan** 6.50% 6.51% $11.36
180 Month Home Equity Loan Special * 6.88% 6.88% $8.92
180 Month Home Equity Loan** 6.88% 6.88% $8.92
240 Month Home Equity Loan Special * 7.13% 7.13% $7.83
240 Month Home Equity Loan** 7.13% 7.13% $7.83
Home Equity Line of Credit Special*** 4.99% 4.99% $9.66
Home Equity Line of Credit**** 8.50% 8.51% $12.54
Home Equity Loans & Lines of Credit Rates Disclosure

Annual Percentage Rate (APR) is subject to change at any time.

HELOAN Disclosure
*Home Equity Loan-Specials– (HELOAN) rates accurate as of 04/18/2024. 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 loans of $15,000 or more. All fees apply to loans between $5,000 and $14,999. 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.

**Home Equity Loan-Non-specials– (HELOAN) Rates accurate as of 04/18/2024. Loan requests up to 89% loan to value for loans between $5,000 and $14,999. 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. Cost of appraisal and closing fees are the responsibility of the applicant. 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

HELOC Disclosure
***Home Equity Line of Credit Special (HELOC) Revolving Line – Rates accurate as of 04/10/2024. 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 (8.50% as of July 27, 2023). 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.  Processing and third-party fees, including appraisal, will be paid by the lender. Special 6-month introductory rate offer applies to new HELOC’s with a $15,000 minimum line amount for first and second lien loans. All fees apply for loans between $5,000 and $14,999. 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.

**** Home Equity Line of Credit Non-Special (HELOC) Revolving Line – Rates accurate as of 07/27/2023. APR is based on Prime Rate (8.50% as of July 27, 2023). Minimum APR is 8.51%; maximum APR is 16%. Prime may change at any time and is subject to change without notice. Non-special based on lines of credit under a $15,000 limit. Available for 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. Cost of appraisal evaluation and closing fees are the responsibility of the applicant. 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.

Home Equity Loans & Lines of Credit
Learn More
rateaprpayment per $1000
36 Month Home Equity Loan Special* 6.25% 6.26% $30.54
36 Month Home Equity Loan** 6.25% 6.26% $30.54
60 Month Home Equity Loan Special * 6.25% 6.26% $19.45
60 Month Home Equity Loan** 6.25% 6.26% $19.45
120 Month Home Equity Loan Special * 6.50% 6.51% $11.36
120 Month Home Equity Loan ** 6.50% 6.51% $11.36
180 Month Home Equity Loan Special * 6.88% 6.88% $8.92
180 Month Home Equity Loan** 6.88% 6.88% $8.92
240 Month Home Equity Loan Special * 7.13% 7.13% $7.83
240 Month Home Equity Loan** 7.13% 7.13% $7.83
Home Equity Line of Credit Special*** 4.99% 4.99% $9.66
Home Equity Line of Credit**** 8.50% 8.51% $12.54
Home Equity Loans & Lines of Credit Rates Disclosure

Annual Percentage Rate (APR) is subject to change at any time.

HELOAN Disclosure
*Home Equity Loan-Specials– (HELOAN) rates accurate as of 04/18/2024. 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 loans of $15,000 or more. All fees apply to loans between $5,000 and $14,999. 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.

**Home Equity Loan-Non-specials– (HELOAN) Rates accurate as of 04/18/2024. Loan requests up to 89% loan to value for loans between $5,000 and $14,999. 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. Cost of appraisal and closing fees are the responsibility of the applicant. 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

HELOC Disclosure
***Home Equity Line of Credit Special (HELOC) Revolving Line – Rates accurate as of 04/10/2024. 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 (8.50% as of July 27, 2023). 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.  Processing and third-party fees, including appraisal, will be paid by the lender. Special 6-month introductory rate offer applies to new HELOC’s with a $15,000 minimum line amount for first and second lien loans. All fees apply for loans between $5,000 and $14,999. 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.

**** Home Equity Line of Credit Non-Special (HELOC) Revolving Line – Rates accurate as of 07/27/2023. APR is based on Prime Rate (8.50% as of July 27, 2023). Minimum APR is 8.51%; maximum APR is 16%. Prime may change at any time and is subject to change without notice. Non-special based on lines of credit under a $15,000 limit. Available for 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. Cost of appraisal evaluation and closing fees are the responsibility of the applicant. 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.

MORTGAGE RATES
Mortgages
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RateAPRpayment per $1000
10 Year Fixed Rate Portfolio Mortgage* 6.38% 6.68% $11.29
15 Year Fixed Rate Portfolio Mortgage* 6.50% 6.72% $8.71
20 Year Fixed Rate Portfolio Mortgage* 6.63% 6.80% $7.53
30 Year Fixed Rate Portfolio Mortgage* 6.88% 7.01% $6.57
20/1 Adjustable Rate Mortgage w/ 30 yr Amortization** 6.63% 6.76% $6.40
Mortgage Rates Disclosure

Annual Percentage Rate (APR) is subject to change at any time.

Mortgage Disclosure
*Certain conditions and other fees may apply. Rates accurate as of 05/15/2024. 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 and will depend on factors including but not limited to; loan type, property type, appraised value, occupancy, loan amount, and a review of your credit history. Offer is based on first lien, owner-occupied primary residence and is subject to credit approval. Cost of appraisal, if required, must be paid by applicant. Homeowner’s insurance is required; flood insurance may be required. In above example, Mortgage APR is calculated based on a $100,000.00 loan with a $300.00 loan origination fee. Fixed-Rate Mortgage: 85% loan-to-value (LTV). Payment does not include taxes and insurance premiums so the actual payment amount will be greater if included. LTV greater than 85% may be subject to Private Mortgage Insurance (PMI) approval. Payments per $1000 are monthly payments.

  • No bi-weekly loans are offered at this time.
  • Title Insurance required on all purchase mortgage loans
  • Mortgage Rates applicable to Conventional Mortgage and Construction Mortgage Loans.


**
20/1 Adjustable-Rate Mortgage: Certain conditions and other fees may apply. Rates accurate as of 05/15/2024. Your actual APR may be higher and will depend on factors including but not limited to; loan type, property type, appraised value, occupancy, loan amount, and a review of your credit history. Offer is based on first lien, owner-occupied primary residence and is subject to credit approval. Cost of appraisal, if required, must be paid by applicant. Homeowner’s insurance is required; flood insurance may be required. In above example, Mortgage APR is calculated based on a $100,000.00 loan with a $300.00 loan origination fee. Payment does not include taxes and insurance premiums so the actual payment amount will be greater, if included. 85% loan-to-value (LTV). LTV greater than 85% may be subject to Private Mortgage Insurance (PMI) approval. The 20/1 ARM payment per $1000 is based on monthly payments fixed for the first 20-years of the loan. After the first 20-year term the rate is subject to change annually but not by more than 2% higher per year and not more than 6% higher than the initial rate over the remaining 10-year term.

Mortgages
Learn More
RateAPRpayment per $1000
10 Year Fixed Rate Portfolio Mortgage* 6.38% 6.68% $11.29
15 Year Fixed Rate Portfolio Mortgage* 6.50% 6.72% $8.71
20 Year Fixed Rate Portfolio Mortgage* 6.63% 6.80% $7.53
30 Year Fixed Rate Portfolio Mortgage* 6.88% 7.01% $6.57
20/1 Adjustable Rate Mortgage w/ 30 yr Amortization** 6.63% 6.76% $6.40
Mortgage Rates Disclosure

Annual Percentage Rate (APR) is subject to change at any time.

Mortgage Disclosure
*Certain conditions and other fees may apply. Rates accurate as of 05/15/2024. 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 and will depend on factors including but not limited to; loan type, property type, appraised value, occupancy, loan amount, and a review of your credit history. Offer is based on first lien, owner-occupied primary residence and is subject to credit approval. Cost of appraisal, if required, must be paid by applicant. Homeowner’s insurance is required; flood insurance may be required. In above example, Mortgage APR is calculated based on a $100,000.00 loan with a $300.00 loan origination fee. Fixed-Rate Mortgage: 85% loan-to-value (LTV). Payment does not include taxes and insurance premiums so the actual payment amount will be greater if included. LTV greater than 85% may be subject to Private Mortgage Insurance (PMI) approval. Payments per $1000 are monthly payments.

  • No bi-weekly loans are offered at this time.
  • Title Insurance required on all purchase mortgage loans
  • Mortgage Rates applicable to Conventional Mortgage and Construction Mortgage Loans.


**
20/1 Adjustable-Rate Mortgage: Certain conditions and other fees may apply. Rates accurate as of 05/15/2024. Your actual APR may be higher and will depend on factors including but not limited to; loan type, property type, appraised value, occupancy, loan amount, and a review of your credit history. Offer is based on first lien, owner-occupied primary residence and is subject to credit approval. Cost of appraisal, if required, must be paid by applicant. Homeowner’s insurance is required; flood insurance may be required. In above example, Mortgage APR is calculated based on a $100,000.00 loan with a $300.00 loan origination fee. Payment does not include taxes and insurance premiums so the actual payment amount will be greater, if included. 85% loan-to-value (LTV). LTV greater than 85% may be subject to Private Mortgage Insurance (PMI) approval. The 20/1 ARM payment per $1000 is based on monthly payments fixed for the first 20-years of the loan. After the first 20-year term the rate is subject to change annually but not by more than 2% higher per year and not more than 6% higher than the initial rate over the remaining 10-year term.

Mortgages
Learn More
RateAPRpayment per $1000
10 Year Fixed Rate Portfolio Mortgage* 6.38% 6.68% $11.29
15 Year Fixed Rate Portfolio Mortgage* 6.50% 6.72% $8.71
20 Year Fixed Rate Portfolio Mortgage* 6.63% 6.80% $7.53
30 Year Fixed Rate Portfolio Mortgage* 6.88% 7.01% $6.57
20/1 Adjustable Rate Mortgage w/ 30 yr Amortization** 6.63% 6.76% $6.40
Mortgage Rates Disclosure

Annual Percentage Rate (APR) is subject to change at any time.

Mortgage Disclosure
*Certain conditions and other fees may apply. Rates accurate as of 05/15/2024. Your actual APR may be higher and will depend on factors including but not limited to; loan type, property type, appraised value, occupancy, loan amount, and a review of your credit history. Offer is based on first lien, owner-occupied primary residence and is subject to credit approval. Cost of appraisal, if required, must be paid by applicant. Homeowner’s insurance is required; flood insurance may be required. In above example, Mortgage APR is calculated based on a $100,000.00 loan with a $300.00 loan origination fee. Fixed-Rate Mortgage: 85% loan-to-value (LTV). Payment does not include taxes and insurance premiums so the actual payment amount will be greater if included. LTV greater than 85% may be subject to Private Mortgage Insurance (PMI) approval. Payments per $1000 are monthly payments.

  • No bi-weekly loans are offered at this time.
  • Title Insurance required on all purchase mortgage loans
  • Mortgage Rates applicable to Conventional Mortgage and Construction Mortgage Loans.


**
20/1 Adjustable-Rate Mortgage: Certain conditions and other fees may apply. Rates accurate as of 05/15/2024. Your actual APR may be higher and will depend on factors including but not limited to; loan type, property type, appraised value, occupancy, loan amount, and a review of your credit history. Offer is based on first lien, owner-occupied primary residence and is subject to credit approval. Cost of appraisal, if required, must be paid by applicant. Homeowner’s insurance is required; flood insurance may be required. In above example, Mortgage APR is calculated based on a $100,000.00 loan with a $300.00 loan origination fee. Payment does not include taxes and insurance premiums so the actual payment amount will be greater, if included. 85% loan-to-value (LTV). LTV greater than 85% may be subject to Private Mortgage Insurance (PMI) approval. The 20/1 ARM payment per $1000 is based on monthly payments fixed for the first 20-years of the loan. After the first 20-year term the rate is subject to change annually but not by more than 2% higher per year and not more than 6% higher than the initial rate over the remaining 10-year term.

PERSONAL LOAN RATES
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** 14.50% 14.60%
Personal Loans Disclosure

Personal Loans
*Rates accurate as of 10/19/2023.  Offer based on loans from $1500 to $15,000 max and subject to credit approval. The APR shown 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. Repayment examples for monthly payments per $1000 borrowed at 12.00% (APR) would be: 60-months $22.25; 48-months $26.34. Repayment examples for monthly payments per $1000 borrowed at 13.00% (APR) would be: 36-months $33.70; 24-months $47.55. Offer subject to change or be withdrawn at any time without notice. Other terms and rates may apply. Document preparation fee of $50 applies.

Personal Unsecured Line of Credit
**Rates accurate as of 07/27/2022. The APR is based on Wall Street Journal Prime Rate (8.50% as of July 27, 2023) plus 6%, currently 14.60% APR. Payments are variable based on outstanding balance, minimum payment is $50. All offers are subject to credit approval. Maximum unsecured loan amount to any one borrower is $15,000.00. Offer may be withdrawn at any time without notice. Document preparation fee of $50.00 and $10.00 annual fee applies. Personal Unsecured Lines of Credit are not eligible for a rate discount for automatic debit of the payment.

Annual Percentage Rate (APR) is subject to change at any time.

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** 14.500% 14.604%
Personal Loans Disclosure

Personal Loans
*Rates accurate as of 10/19/2023.  Offer based on loans from $1500 to $15,000 max and subject to credit approval. The APR shown 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. Repayment examples for monthly payments per $1000 borrowed at 12.00% (APR) would be: 60-months $22.25; 48-months $26.34. Repayment examples for monthly payments per $1000 borrowed at 13.00% (APR) would be: 36-months $33.70; 24-months $47.55. Offer subject to change or be withdrawn at any time without notice. Other terms and rates may apply. Document preparation fee of $50 applies.

Personal Unsecured Line of Credit
**Rates accurate as of 07/27/2022. The APR is based on Wall Street Journal Prime Rate (8.50% as of July 27, 2023) plus 6%, currently 14.60% APR. Payments are variable based on outstanding balance, minimum payment is $50. All offers are subject to credit approval. Maximum unsecured loan amount to any one borrower is $15,000.00. Offer may be withdrawn at any time without notice. Document preparation fee of $50.00 and $10.00 annual fee applies. Personal Unsecured Lines of Credit are not eligible for a rate discount for automatic debit of the payment.

Annual Percentage Rate (APR) is subject to change at any time.

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** 14.50% 14.60%
Disclosure

Personal Loans
*Rates accurate as of 10/19/2023.  Offer based on loans from $1500 to $15,000 max and subject to credit approval. The APR shown 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. Repayment examples for monthly payments per $1000 borrowed at 12.00% (APR) would be: 60-months $22.25; 48-months $26.34. Repayment examples for monthly payments per $1000 borrowed at 13.00% (APR) would be: 36-months $33.70; 24-months $47.55. Offer subject to change or be withdrawn at any time without notice. Other terms and rates may apply. Document preparation fee of $50 applies.

Personal Unsecured Line of Credit
**Rates accurate as of 07/27/2022. The APR is based on Wall Street Journal Prime Rate (8.50% as of July 27, 2023) plus 6%, currently 14.60% APR. Payments are variable based on outstanding balance, minimum payment is $50. All offers are subject to credit approval. Maximum unsecured loan amount to any one borrower is $15,000.00. Offer may be withdrawn at any time without notice. Document preparation fee of $50.00 and $10.00 annual fee applies. Personal Unsecured Lines of Credit are not eligible for a rate discount for automatic debit of the payment.

Annual Percentage Rate (APR) is subject to change at any time.

AUTO LOAN RATES
Auto LoansRateAPRPayment Per $1000
2023-2024 - up to 60 months new Auto Loan 6.50% 6.60% $19.56
2023-2024 - 61 to 72 months new Auto Loan 6.75% 6.84% $16.93
2019 & Newer - up to 60 months used Auto Loan 7.00% 7.10% $19.80
2018 Model - up to 48 months used Auto Loan 7.00% 7.12% $23.94
2017 Model - up to 36 months used Auto Loan 7.25% 7.41% $30.99
Auto Loans Disclosure

Annual Percentage Rate (APR) and/or terms are subject to change at any time.
Secured Auto Loans are for PURCHASE TRANSACTIONS through DEALERS ONLY.

Auto Loans
Rates accurate as of 02/22/2024. Auto loan rates are calculated based on a $10,000.00 loan with a $25.00 non-refundable document preparation fee. Certain conditions and other fees may apply. Offer of credit is subject to credit approval. APR includes a .25% discount for automatic debit of the payment from an InFirst Bank deposit account. Your actual APR may be higher based on a review of your credit history.

 

Auto LoansRateAPRPayment Per $1000
2023-2024 - up to 60 months new Auto Loan 6.50% 6.60% $19.56
2023-2024 - 61 to 72 months new Auto Loan 6.75% 6.84% $16.93
2020 & Newer - up to 60 months used Auto Loan 7.00% 7.10% $19.80
2019 Model - up to 48 months used Auto Loan 7.00% 7.12% $23.94
2018 Model - up to 36 months used Auto Loan 7.25% 7.41% $30.99
Auto Loans Disclosure

Annual Percentage Rate (APR) and/or terms are subject to change at any time.
Secured Auto Loans are for PURCHASE TRANSACTIONS through DEALERS ONLY.

Auto Loans
Rates accurate as of 02/22/2024. Auto loan rates are calculated based on a $10,000.00 loan with a $25.00 non-refundable document preparation fee. Certain conditions and other fees may apply. Offer of credit is subject to credit approval. APR includes a .25% discount for automatic debit of the payment from an InFirst Bank deposit account. Your actual APR may be higher based on a review of your credit history.

 

Auto LoansRateAPRPayment Per $1000
2023-2024 - up to 60 months new Auto Loan 6.50% 6.60% $19.56
2023-2024 - 61 to 72 months new Auto Loan 6.75% 6.84% $16.93
2020 & Newer - up to 60 months used Auto Loan 7.00% 7.10% $19.80
2019 Model - up to 48 months used Auto Loan 7.00% 7.14% $23.94
2018 Model - up to 36 months used Auto Loan 7.25% 7.41% $30.99
Auto Loans Disclosure

Annual Percentage Rate (APR) and/or terms are subject to change at any time.
Secured Auto Loans are for PURCHASE TRANSACTIONS through DEALERS ONLY.

Auto Loans
Rates accurate as of 02/22/2024. Auto loan rates are calculated based on a $10,000.00 loan with a $25.00 non-refundable document preparation fee. Certain conditions and other fees may apply. Offer of credit is subject to credit approval. APR includes a .25% discount for automatic debit of the payment from an InFirst Bank deposit account. Your actual APR may be higher based on a review of your credit history.