Credit union · NCUA insured
InFirst Federal Credit Union CD Rates
InFirst Federal Credit Union’s best CD rate is 4.30% APY on a 15-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How InFirst Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where InFirst Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
InFirst Federal Credit Union
4.30%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $540
Share Certificate Specials
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
InFirst Federal Credit Union CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo2.78%
- 31–60 months31–60 mo2.52%
- QualifiedQualified4.30%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where InFirst Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate Specials
Up to 4.30%APY · 3 terms
Must be entirely funded with new money (funds not currently on deposit at InFirst FCU). Limit 4 per member. No add-on features. Minimum opening balance $1,000; maximum balance $750,000. At maturity, automatically rolls over to the next-lowest standard certificate term (7-month to 6-month, 11-month to 6-month, 15-month to 1-year). Early withdrawal penalty applies. Membership required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsMust be entirely funded with new money. Limit 4 per member. No add-on features. At maturity rolls over to 6-month standard certificate term. Early withdrawal penalty applies. Membership required | 4.00% | $231 |
| 11 monthsMust be entirely funded with new money. Limit 4 per member. No add-on features. At maturity rolls over to 6-month standard certificate term. Early withdrawal penalty applies. Membership required | 4.25% | $389 |
| 15 monthsMust be entirely funded with new money. Limit 4 per member. No add-on features. At maturity rolls over to 1-year standard certificate term. Early withdrawal penalty applies. Membership required | 4.30% | $540 |
Sources (2)
All captured Oct 22, 2026
Share Certificates
Up to 2.78%APY · 6 terms
Minimum to open is $1,000.00 and minimum to earn APY is $1,000.00. Early withdrawal penalty may apply. Membership required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.75% | $37 |
| 12 months | 1.76% | $176 |
| 24 months | 2.78% | $564 |
| 36 months | 2.52% | $775 |
| 48 months | 2.42% | $1,004 |
| 60 months | 2.42% | $1,270 |
Sources (1)
- infirstfcu.org/savings-rates · captured Oct 22, 2026
Special-purpose accounts
IRA Share Certificates
Up to 2.78%APY · 5 terms
Minimum to open is $1,000.00 and minimum to earn APY is $1,000.00. Early withdrawal penalty may apply. Membership required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.76% | $176 |
| 24 months | 2.78% | $564 |
| 36 months | 2.52% | $775 |
| 48 months | 2.42% | $1,004 |
| 60 months | 2.42% | $1,270 |
Sources (1)
- infirstfcu.org/savings-rates · captured Oct 22, 2026
Youth Share Certificates
Up to 2.78%APY · 6 terms
Minimum to open $100.00, minimum to earn APY $100.00. Membership required. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.75% | $37 |
| 12 months | 1.76% | $176 |
| 24 months | 2.78% | $564 |
| 36 months | 2.52% | $775 |
| 48 months | 2.42% | $1,004 |
| 60 months | 2.42% | $1,270 |
Sources (1)
- infirstfcu.org/savings-rates · captured Oct 22, 2026
Closed to new customers
Loyalty Certificate
Up to 3.03%APY · 6 terms
Applies to Certificates opened as a result of a Share Certificate that is maturing before 06/22/2026. Loyalty Certificates must be opened between 06/01/2026 and 07/28/2026. Minimum balance of $1,000 to open and earn dividends. No add-on or step-up features. Automatically rolls over to same standard certificate term at maturity rate unless instructed otherwise. Early withdrawal penalty applies. InFirst membership required.
| Term | APY · Any balance | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsOpened between 06/01/2026 and 07/28/2026 for a maturing Share Certificate maturing before 06/22/2026. Boosts rate by 0.25% over standard 0.75% APY. Minimum balance $1,000. Early withdrawal penalty applies | — | 1.00% | 1.00% | $50 |
| 12 monthsOpened between 06/01/2026 and 07/28/2026 for a maturing Share Certificate maturing before 06/22/2026. Boosts rate by 0.25% over standard 1.76% APY. Minimum balance $1,000. Early withdrawal penalty applies | — | 2.01% | 2.01% | $201 |
| 24 monthsOpened between 06/01/2026 and 07/28/2026 for a maturing Share Certificate maturing before 06/22/2026. Boosts rate by 0.25% over standard 2.78% APY. Minimum balance $1,000. Early withdrawal penalty applies | — | 3.03% | 3.03% | $615 |
| 36 monthsOpened between 06/01/2026 and 07/28/2026 for a maturing Share Certificate maturing before 06/22/2026. Boosts rate by 0.25% over standard 2.52% APY. Minimum balance $1,000. Early withdrawal penalty applies | — | 2.77% | 2.77% | $854 |
| 48 monthsOpened between 06/01/2026 and 07/28/2026 for a maturing Share Certificate maturing before 06/22/2026. Boosts rate by 0.25% over standard 2.42% APY. Minimum balance $1,000. Early withdrawal penalty applies | — | 2.67% | 2.67% | $1,112 |
| 60 monthsOpened between 06/01/2026 and 07/28/2026 for a maturing Share Certificate maturing before 06/22/2026. Boosts rate by 0.25% over standard 2.42% APY. Minimum balance $1,000. Early withdrawal penalty applies | 2.67% | — | 2.67% | $1,408 |
Sources (1)
- infirstfcu.org/loyalty-certificate · captured Oct 22, 2026
Who can join InFirst Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in most of Salem, Roanoke, Botetourt, Vinton and King George, VA.
Employers and groups
- Membership is open to members of the InFirst Responders Foundation.
Military, government and schools
- Membership is open to retired federal employees receiving an annuity through the Office of Personnel Management.
- Membership is open to employees of listed federal agencies including OPM, FCC, FTC, PBGC, SEC, FEMA, STB, MSPB, and OGE.
Family and household
- Membership is open to eligible family members, including spouse, child, sibling, parent, grandparent, step-parents, stepchildren, step-siblings, domestic partners, and adoptive relationships.
Cost to join
- Joining the credit union requires establishing a share by maintaining a minimum of $5 in a Prime Savings Account.
Membership information collected October 4, 2026.