Credit union · NCUA insured
InFirst Federal Credit Union Savings Rates
InFirst Federal Credit Union’s best savings rate is 0.20% APY on $10,000, with its Money Market Accounts. Rates checked October 22, 2026.
How InFirst Federal Credit Union’s savings 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
0.20%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $20
Money Market Accounts
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
InFirst Federal Credit Union savings score
70
Savings score
Higher than 25% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.20%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Accounts
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $150 – $10,000 | 0.15% | — |
| $10,000 – $25,000 | 0.20% | $20 |
| $25,000 – $75,000 | 0.30% | — |
| $75,000 and up | 0.50% | — |
Sources (1)
- infirstfcu.org/savings-rates · captured Oct 4, 2026
Prime Savings Account
0.05%APY
Establishes credit union membership share. Dividends computed using the daily balance method. Acts as overdraft protection for checking accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $150 and upMinimum $150 balance required to earn APY. Minimum $5 to establish membership share and open account. Variable rate subject to change after opening.$150 and up | 0.05% | $5 | Minimum $150 balance required to earn APY. Minimum $5 to establish membership share and open account. Variable rate subject to change after opening. |
Special Savings
0.05%APY
Club savings account. Dividends paid from current income and available earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $150 and upMinimum $150 balance required to earn APY.$150 and up | 0.05% | $5 | Minimum $150 balance required to earn APY. |
Sources (1)
- infirstfcu.org/savings-rates · captured Oct 4, 2026
Special-purpose accounts
Money Market IRA Accounts
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $150 – $10,000 | 0.15% | — |
| $10,000 – $25,000 | 0.20% | $20 |
| $25,000 – $75,000 | 0.30% | — |
| $75,000 and up | 0.50% | — |
Sources (1)
- infirstfcu.org/savings-rates · captured Oct 4, 2026
Youth Savings Account
0.50%APY
Available to youth up to age 17. Applicants 13 and under require a parent or guardian as joint owner with joint signature.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum $25 balance required to earn APY and begin accruing dividends. Variable rate subject to change after opening.$25 and up | 0.50% | $50 | Minimum $25 balance required to earn APY and begin accruing dividends. Variable rate subject to change after opening. |
Custom Club Account
0.05%APY · 1 term
Set your own maturity date between 3 and 12 months. Dividends computed on the daily balance method. Funds transfer annually on the set maturity date to Share Savings Account. Early withdrawal penalty fee is $10.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–12 monthsMinimum $150 balance required to earn APY. Variable rate subject to change after opening | 0.05% | $1 |
Individual Retirement Accounts (IRA)
0.05%APY
Available as Traditional, Roth, and Coverdell ESA accounts. NCUA insured up to $250,000. IRA funds can also be invested in Share Certificates for 6 months to 5 years.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $150 and upMinimum $150 balance required to earn APY. Variable rate subject to change after opening.$150 and up | 0.05% | $5 | Minimum $150 balance required to earn APY. Variable rate subject to change after opening. |
Winter Holiday Club Account
0.05%APY
Dividends computed on the daily balance method. Funds transferred annually on November 15 to Share Savings Account. Early withdrawal penalty fee is $10.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $150 and upMinimum $150 balance required to earn APY. Variable rate subject to change after opening.$150 and up | 0.05% | $5 | Minimum $150 balance required to earn APY. Variable rate subject to change after opening. |
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.