Lock It In Certificate
Earn 4.00% APY for 11 months when you open a Lock It In Certificate between 02/17/2026 and 02/28/2026!*
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If certificate funds other than dividends are withdrawn prior to maturity, the penalty assessed will be equal to one hundred and eighty (180) days of dividends.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, Lock It In Certificates require a minimum balance of $25,000. There is a maximum deposit amount of $100,000. Limit four per member.
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.
Kindness Certificate
Earn 3.25% APY for 3 months when you open a Kindness Certificate between 02/17/2026 and 02/28/2026!*
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, Kindness Certificates require a minimum balance of $500. There is a maximum deposit amount of $100,000. Limit four per member.
*APY = Annual Percentage Yield. Rates effective 02/17/2026 and are subject to change at any time without notice. This Kindness Certificate Special applies to certificates opened between 02/17/2026 and 02/28/2026, with 3 month terms only. To open this certificate and earn dividends, there is a minimum opening balance of $500 required. There is a maximum balance of $100,000. There is a limit of four Kindness Certificates per member. No add-on features are offered on these certificates. Kindness Certificates 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.
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.