Deposit Rates
*Deposit Disclosures
*Kasasa Disclosures

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region3_rates_deposit table

CD / IRA Promotions

region1_rates_cdira_promotion table

*APY=Annual Percentage Yield. *APY accurate as of 08/20/2019. Advertised APY applicable when the following conditions are met: (1) Minimum amount to open a new Certificate of Deposit account is $1000. ($500 for IRA’s1) (2) Have or open any InFirst Bank Personal or Business Checking account as noted, and (3) Open with new funds not currently on deposit with InFirst Bank within the last 30-days. Bonus will be applied as follows: Kasasa checking or any business checking account will receive a .25 bonus rate, or 2.50% APY; Evergreen checking, .10 bonus rate, or 2.35% APY; any other checking, .05 bonus rate, or 2.30% APY. Certificates that do not meet the above conditions receive a competitive 2.25% APY. Offer applies to personal and business accounts. Not available for institutional or public funds. Customers must reside in our deposit market area. This promotional APY and interest rate will not be applied to existing time deposits that automatically rollover. At maturity, promotional certificates will rollover into a 24-month certificate with the rate/APY offered at that time. Cannot be combined with other offers. Available on balances from $1,000 up to $500,000. A penalty will be imposed for early withdrawals and will reduce earnings. Offer is subject to change at any time without notice. FDIC insured up to the maximum permitted by law. 1IRA’s-Offer available for Traditional and Roth IRA CD annual contributions with new money, subject to the client's contribution eligibility and per all IRS rules; and for IRA transfers in from another financial institution.

Apply online or call to find your nearest branch!  1-800-349-2814

region2_rates_cdira_promotion table

*APY=Annual Percentage Yield.  

Apply online or call to find your nearest branch!  1-800-349-2814

region3_rates_cdira_promotion table

*APY=Annual Percentage Yield

Apply online or call to find your nearest branch!  1-800-349-2814

CD / IRA Rates

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Mortgage Rates

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

region1_rates_mortgage table

Certain conditions and other fees may apply. Offer of credit 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. Offer subject to change or be withdrawal without notice. 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). For loans secured by a first lien on the dwelling, payment does not include taxes and insurance premiums so the actual payment amount will be greater if included. LTV greater than 85% subject to Private Mortgage Insurance (PMI) approval. Payments per $1000 are monthly payments.

 

region2_rates_mortgage table

Certain conditions and other fees may apply. Offer of credit 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. Offer subject to change or be withdrawal without notice. 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). For loans secured by a first lien on the dwelling, payment does not include taxes and insurance premiums so the actual payment amount will be greater if included. LTV greater than 85% subject to Private Mortgage Insurance (PMI) approval. Payments per $1000 are monthly payments.

 

region3_rates_mortgage table

Certain conditions and other fees may apply. Offer of credit 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. Offer subject to change or be withdrawal without notice. 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). For loans secured by a first lien on the dwelling, payment does not include taxes and insurance premiums so the actual payment amount will be greater if included. LTV greater than 85% subject to Private Mortgage Insurance (PMI) approval. Payments per $1000 are monthly payments.

 

Home Equity Rates

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

region1_rates_homeequity table

* Home Equity Loan - Specials- (HELOAN) Rates accurate as of 11/18/2019.  Offer is based on first lien loans, a loan to value up to 89%, on an owner-occupied primary residence, subject to credit approval. Rate includes a .25% discount for automatic debit of the payment from an InFirst Bank deposit account.  Cannot be a purchase money mortgage.  Rate will be honored for second lien loans up to 89% providing the 1st lien is with InFirst Bank. In order to receive offered rate, a minimum of $5,000 new money borrowed is required.  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.  All fees are currently waived.  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 11/18/2019. Offer based 2 nd lien loan requests up to 89% loan to value, where InFirst Bank would not be the first lien holder.  Rate includes a .25% discount for automatic debit of the payment from an InFirst Bank deposit account.  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 11/18/2019. After the .99% Annual Percentage rate (APR) 6-month introductory period, the APR will be a variable rate based on Wall Street Journal Prime Rate (4.750% as of October 31, 2019). Minimum APR of 0.99% and a maximum APR of 18%.  Minimum monthly payment $100.  Prime may change at any time and is subject to change without notice.  The introductory period begins on the date of account opening.  If refinancing an existing InFirst Bank loan, a minimum of $5,000 new money is required.  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.  Consult your tax advisor about the deductibility of interest.  Offer subject to change or be withdrawn at any time.

**** Home Equity Line of Credit (Revolving Line) - The Annual Percentage Rate (APR) is based on Prime Rate (4.750% as of October 31, 2019).  Minimum APR is 1.00%; maximum APR is 18%. Minimum monthly payment $100. Prime may change at any time and is subject to change without notice.  If refinancing an existing InFirst Bank loan, a minimum of $5,000 new money is required.  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 non-refundable application fee of $75.00 and a $25.00 annual fee applies.  Payment listed is per $1000 borrowed.  Consult your tax advisor about the deductibility of interest.  Offer subject to change or be withdrawn at any time.

All Loan Rates effective as of 11/18/2019

region2_rates_homeequity table

* Home Equity Loan - Specials- (HELOAN) Rates accurate as of 11/18/2019.  Offer is based on first lien loans, a loan to value up to 89%, on an owner-occupied primary residence, subject to credit approval. Rate includes a .25% discount for automatic debit of the payment from an InFirst Bank deposit account.  Cannot be a purchase money mortgage.  Rate will be honored for second lien loans up to 89% providing the 1st lien is with InFirst Bank. In order to receive offered rate, a minimum of $5,000 new money borrowed is required.  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.  All fees are currently waived.  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 11/18/2019. Offer based 2 nd lien loan requests up to 89% loan to value, where InFirst Bank would not be the first lien holder.  Rate includes a .25% discount for automatic debit of the payment from an InFirst Bank deposit account.  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 11/18/2019. After the .99% Annual Percentage rate (APR) 6-month introductory period, the APR will be a variable rate based on Wall Street Journal Prime Rate (4.750% as of October 31, 2019). Minimum APR of 0.99% and a maximum APR of 18%.  Minimum monthly payment $100.  Prime may change at any time and is subject to change without notice.  The introductory period begins on the date of account opening.  If refinancing an existing InFirst Bank loan, a minimum of $5,000 new money is required.  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.  Consult your tax advisor about the deductibility of interest.  Offer subject to change or be withdrawn at any time.

**** Home Equity Line of Credit (Revolving Line) - The Annual Percentage Rate (APR) is based on Prime Rate (4.750% as of October 31, 2019).  Minimum APR is 1.00%; maximum APR is 18%. Minimum monthly payment $100. Prime may change at any time and is subject to change without notice.  If refinancing an existing InFirst Bank loan, a minimum of $5,000 new money is required.  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 non-refundable application fee of $75.00 and a $25.00 annual fee applies.  Payment listed is per $1000 borrowed.  Consult your tax advisor about the deductibility of interest.  Offer subject to change or be withdrawn at any time.

All Loan Rates effective as of 11/18/2019

region3_rates_homeequity table

* Home Equity Loan - Specials- (HELOAN) Rates accurate as of 11/18/2019.  Offer is based on first lien loans, a loan to value up to 89%, on an owner-occupied primary residence, subject to credit approval. Rate includes a .25% discount for automatic debit of the payment from an InFirst Bank deposit account.  Cannot be a purchase money mortgage.  Rate will be honored for second lien loans up to 89% providing the 1st lien is with InFirst Bank. In order to receive offered rate, a minimum of $5,000 new money borrowed is required.  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.  All fees are currently waived.  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 11/18/2019. Offer based 2 nd lien loan requests up to 89% loan to value, where InFirst Bank would not be the first lien holder.  Rate includes a .25% discount for automatic debit of the payment from an InFirst Bank deposit account.  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 11/18/2019. After the .99% Annual Percentage rate (APR) 6-month introductory period, the APR will be a variable rate based on Wall Street Journal Prime Rate (4.750% as of October 31, 2019). Minimum APR of 0.99% and a maximum APR of 18%.  Minimum monthly payment $100.  Prime may change at any time and is subject to change without notice.  The introductory period begins on the date of account opening.  If refinancing an existing InFirst Bank loan, a minimum of $5,000 new money is required.  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.  Consult your tax advisor about the deductibility of interest.  Offer subject to change or be withdrawn at any time.

**** Home Equity Line of Credit (Revolving Line) - The Annual Percentage Rate (APR) is based on Prime Rate (4.750% as of October 31, 2019).  Minimum APR is 1.00%; maximum APR is 18%. Minimum monthly payment $100. Prime may change at any time and is subject to change without notice.  If refinancing an existing InFirst Bank loan, a minimum of $5,000 new money is required.  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 non-refundable application fee of $75.00 and a $25.00 annual fee applies.  Payment listed is per $1000 borrowed.  Consult your tax advisor about the deductibility of interest.  Offer subject to change or be withdrawn at any time.

All Loan Rates effective as of 11/18/2019

 Auto Loan Rates

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

region1_rates_auto table

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.  Rates include a .25% discount for automatic debit of the payment from an InFirst Bank deposit account.

region2_rates_auto table

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.  Rates include a .25% discount for automatic debit of the payment from an InFirst Bank deposit account.

region3_rates_auto table

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.  Rates include a .25% discount for automatic debit of the payment from an InFirst Bank deposit account.

Personal Loan Rates

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

region1_rates_personal table

* Rates include a .25% discount for automatic debit of the payment from an InFirst Bank deposit account.  Payment Examples per $1000 borrowed at 8.24% annual percentage rate (APR) would be; for 60 months $20.39, for 48 months $24.53, for 36 months $31.45, for 24 months $45.34. All offers are subject to credit approval. Maximum loan amount to any one borrower is $10,000.00. Offer may be withdrawn at any time without notice. Other terms and rates may apply. Document preparation fee is waived for a limited time.

**Rates accurate as of 10/31/2019.  The Annual Percentage Rate (APR) is based on Wall Street Journal Prime Rate (4.750% as of October 31, 2019) plus 5%, currently 9.750% 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 $10,000.00. Offer may be withdrawn at any time without notice. Document preparation fee of $25.00 and $10.00 annual fee applies. Payment listed is per $1000 borrowed. Personal Unsecured Lines of Credit are not eligible for a rate discount for automatic debit of the payment.

region2_rates_personal table

* Rates include a .25% discount for automatic debit of the payment from an InFirst Bank deposit account.  Payment Examples per $1000 borrowed at 8.24% annual percentage rate (APR) would be; for 60 months $20.39, for 48 months $24.53, for 36 months $31.45, for 24 months $45.34. All offers are subject to credit approval. Maximum loan amount to any one borrower is $10,000.00. Offer may be withdrawn at any time without notice. Other terms and rates may apply. Document preparation fee is waived for a limited time.

**Rates accurate as of 10/31/2019.  The Annual Percentage Rate (APR) is based on Wall Street Journal Prime Rate (4.750% as of October 31, 2019) plus 5%, currently 9.750% 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 $10,000.00. Offer may be withdrawn at any time without notice. Document preparation fee of $25.00 and $10.00 annual fee applies. Payment listed is per $1000 borrowed. Personal Unsecured Lines of Credit are not eligible for a rate discount for automatic debit of the payment.

region3_rates_personal table

* Rates include a .25% discount for automatic debit of the payment from an InFirst Bank deposit account.  Payment Examples per $1000 borrowed at 8.24% annual percentage rate (APR) would be; for 60 months $20.39, for 48 months $24.53, for 36 months $31.45, for 24 months $45.34. All offers are subject to credit approval. Maximum loan amount to any one borrower is $10,000.00. Offer may be withdrawn at any time without notice. Other terms and rates may apply. Document preparation fee is waived for a limited time.

**Rates accurate as of 10/31/2019.  The Annual Percentage Rate (APR) is based on Wall Street Journal Prime Rate (4.750% as of October 31, 2019) plus 5%, currently 9.7500% 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 $10,000.00. Offer may be withdrawn at any time without notice. Document preparation fee of $25.00 and $10.00 annual fee applies. Payment listed is per $1000 borrowed. Personal Unsecured Lines of Credit are not eligible for a rate discount for automatic debit of the payment.