Savings Accounts

Since credit union members are also credit union owners, each member has a “share” in InFirst FCU. Your share is established when you join the credit union and maintain a minimum of $5 in a Prime Savings Account. Dividends are computed on the daily balance method. Once you've opened a Prime Savings Account, you are eligible to apply for all services. Your savings account also acts as overdraft protection for your checking account.

Remember, once a member, always a member means that as long as you maintain $5 in your Prime Savings Account, you are an InFirst FCU member for life - even if you change jobs, move, or retire. Your immediate family members are also eligible to join.


See how you are eligible to open a Prime Savings Account
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Please complete the Money Market selection form to open your insured InFirst FCU Money Market Account.

Earn More on Your Money
Open an InFirst FCU Money Market Account. Funds in your Money Market Account are included in the $250,000 of federal insurance for your combined deposits.

Account Deposits
Deposits to your Money Market Account can be made in person, by mail, via payroll deduction, or by transfer from another InFirst FCU account. Dividends are paid and compounded monthly.

Convenient Money Market Account Access
You may make six withdrawals monthly for free: by phone, by transfer using Audio Teller, Online Banking, in person, or by check. The withdrawal date for a check is the date that it clears your account. Accounts in excess of six withdrawals per month will be charged $30 for each occurrence. A $32 per occurrence fee will apply for checks written without sufficient funds. Balance inquiries can be made online or by calling Audio Teller 888-960-6185.

Click here for current rate information.

Click here to open a certificate today.

Questions?
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Maturity/Renewal
This certificate 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. There is a grace period of ten (10) calendar days after maturity to change the term or withdraw the funds from the certificate without being charged an early withdrawal penalty.

Early Withdrawal Penalty
If certificate funds other than dividends are withdrawn prior to maturity, a penalty will be assessed as follows:
Terms of twelve (12) months or less will be penalized ninety (90) days of dividends.
Terms of thirteen (13) months or more will be penalized 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.

Use these accounts to accumulate funds for special events or purchases by setting aside money on a regular basis. Make deposits into your account with a check, payroll allotment, or direct deposit.

Custom Club Account
Set your own maturity date. The minimum term is 3 months and the maximum is 12 months. Dividends are computed on the daily balance method. The early withdrawal penalty fee is $10. Funds will be transferred on the set maturity date annually to your Share Savings Account.


Winter Holiday Club Account
The key to accumulating funds for the holidays is to start saving by putting aside money on a regular basis during the year. The early withdrawal penalty fee is $10. Dividends are computed on the daily balance method. Funds will be transferred on November 15th annually to your Share Savings Account.

Open a Club Account today.

Custodial accounts are membership accounts opened in the name and social security number of a minor but controlled by a custodian. Until the age of 18, the minor has no access to the funds and only the custodian may deposit to and withdraw from the account. An adult must sign as the custodian. There are no joint members or payees allowed on a Custodial Account.

This is a great account for a grandparent or parent to open to save money for a child's college education or other long-term savings plan!

A Custodial Account has the same rate as our Prime Savings Account.

Open a Custodial Account today.

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We offer Traditional, Roth, and Coverdell ESA Individual Retirement Accounts at competitive rates. Our proven track record of financial safety and soundness ensures your money will be there for you when you need it. IRA funds can be invested in a Share Certificate for a term of one to five years. Traditional and Roth IRA funds are insured up to $250,000 by NCUA.

Exceptions to Early Withdrawal Penalties:
At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:

1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after the establishment of the IRA.
3. Where the account is a Keogh Plan (Keogh), provided that the depositor forfeits an amount of at least equal to the simple dividends earned in the amount withdrawn.
4. Where the account is an IRA or Keogh and the owner becomes disabled.
5. If the withdrawal is part of a Required Minimum Distribution (RMD) of IRA funds.

Learn more, open, or manage an existing IRA.
Learn more about how to open an IRA Share Certificate.

A Living Trust Account can help you plan for your family's future, eliminate the need for probate, and reduce estate taxes. In addition, a Living Trust Account offers share insurance coverage of up to $250,000 per beneficiary. Trust Accounts are a way for you to transfer your assets and property into one financially secure entity.

Although InFirst FCU does not administer the Trust, we will place any or all of your depository accounts under your Living Trust Account for proper distribution at a later date.

Questions?
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Learn more about Living Trust Accounts.
Open a Living Trust Account.