InFirst Bank savings and CD rates
InFirst Bank's INFIR$T REWARD$ Savings lists 1.80% APY. That is 1.42 percentage points above the national savings average of 0.38% (FDIC, Oct 2026).
The rate needs a linked account at the bank. Direct deposit is required.
Ranked #602 of 3150 tracked savings rates by advertised APY. For a $10,000 balance it would rank #397.
InFirst Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 1.80% · INFIR$T REWARD$ Savings · needs a linked account at the bank · requires direct deposit |
| Minimum to open | $0 · INFIR$T REWARD$ Savings |
| Against the national average | 1.42 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 4.25% · 5 months · 5-Month CD/IRA Special · $500,000 or less only |
| Minimum to open | $5,000 · 5 months CD |
| Against the national average | 2.86 percentage points above the 1.39% FDIC 6-month CD average (Oct 2026) |
| FDIC certificate | 27763 · Indiana, PA |
|---|---|
| Website | www.infirstbank.bank |
| Branches | 11 branches in PA |
| Availability | Available in PA |
InFirst Bank savings and CD rates
Personal
How the rate applies
How the rate applies
Business
How the rate applies
How the rate applies
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.20% or more. See the highest savings rates.
InFirst Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 3 months | 0.10% | $500 | 3 Month CD |
| 5 months | 4.25%On balances of $500,000 or less · no rate stated above | $5,000 | 5-Month CD/IRA Special |
| 6 months | 2.50% | $500 | 6 Month CD |
| 9 months | 2.50% | $500 | 9 Month CD |
| 12 months | 3.25% | $500 | 1 Year CD |
| 14 months | 4.15%On balances of $500,000 or less · no rate stated above | $5,000 | 14-Month Relationship CD/IRA Special |
| 19 months | 4.20%On balances of $500,000 or less · no rate stated above | $5,000 | 19-Month CD/IRA Special |
| 24 months | 2.50% | $500 | 2 Year CD |
| 25 months | 3.65%On balances of $500,000 or less · no rate stated above | $5,000 | 25-Month CD/IRA Special |
| 36 months | 1.75% | $500 | 3 Year CD |
| 48 months | 1.75% | $500 | 4 Year CD |
| 60 months | 1.75% | $500 | 5 Year CD |
Interactive Tool
Calculate Savings for InFirst Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$807.20(4.9%)
- Total Contributions$13,000
- Initial Deposit$2,500
Projected Balance
$16,307.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What InFirst Bank pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, InFirst Bank paid a higher average rate on savings and money market deposits than 67% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- InFirst Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| INFIR$T REWARD$ Savings | 1.80% | $0 | $0 | None | No monthly service fees | Direct deposit · Linked account at the bank | Tiered | |
| Fine print: Pays the advertised rate only in a month when the linked INFIR$T REWARD$ checking account has 12 debit card purchases, one direct deposit or ACH payment, and e-statements. Else it pays the base rate. | ||||||||
| CACHÉ Club | 0.15% | $0 | $0 | None | not stated | not stated | One rate | |
| Fine print: No withdrawal is allowed before the payout date, and any withdrawal closes the account. Closing early costs $5. The customer picks the payout month, and the account renews each year. | ||||||||
| Statement Savings | Up to 0.10% | $100 | $0 | None | not stated | not stated | Tiered | |
| Business | ||||||||
| Non-Profit Money Market | Up to 3.56% | $2,500 | $0 | None | Must maintain a minimum balance of $2,500 in the MMDA to avoid a $10 monthly minimum balance fee. | Linked account at the bank · direct deposit not stated | Tiered | |
| Fine print: The rate is variable and set from the Wall Street Journal Prime rate as published: balances under $25,000 earn a quarter of Prime and balances of $25,000 or more earn half of Prime. | ||||||||
| Business Statement Savings | Up to 0.10% | $100 | $0 | None | not stated | not stated | Tiered | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| 3 Month CD | 3 months | 0.10% | $500 | not stated | not stated |
| 5-Month CD/IRA Special | 5 months | 4.25% | $5,000 | not stated | not stated |
| 6 Month CD | 6 months | 2.50% | $500 | not stated | not stated |
| 9 Month CD | 9 months | 2.50% | $500 | not stated | not stated |
| 1 Year CD | 12 months | 3.25% | $500 | not stated | not stated |
| 14-Month Relationship CD/IRA Special | 14 months | 4.15% | $5,000 | not stated | not stated |
| 19-Month CD/IRA Special | 19 months | 4.20% | $5,000 | not stated | not stated |
| 2 Year CD | 24 months | 2.50% | $500 | not stated | not stated |
| 25-Month CD/IRA Special | 25 months | 3.65% | $5,000 | not stated | not stated |
| 3 Year CD | 36 months | 1.75% | $500 | not stated | not stated |
| 4 Year CD | 48 months | 1.75% | $500 | not stated | not stated |
| 5 Year CD | 60 months | 1.75% | $500 | not stated | not stated |
Fine print for 3 CDs above: At maturity the certificate renews into the same term at the rate in effect on the renewal date, which is not the promotional rate.
Opening and using the account
| Availability | Available in PA |
|---|---|
| Footprint | 11 branches in PA |
| Eligibility | not stated |
How InFirst Bank behaves over time
Every observation of the advertised INFIR$T REWARD$ Savings rate in the last 12 months was 1.80% (observed through Nov 2, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Oct 16, 20265-Month CD/IRA SpecialRaise:3.70%to4.25%
- Obs. Oct 2, 202619-Month CD/IRA SpecialRaise:3.75%to4.20%
- Obs. Sep 30, 202614-Month Relationship CD/IRA SpecialRaise:4.00%to4.15%
- Obs. Sep 30, 2026Non-Profit Money MarketRaise:1.70%to1.76%
- INFIR$T REWARD$ Savings
- The same as 30 days ago.
- 5 months CD
- Up 0.55 percentage points from 30 days ago.
$10,000 at the 1.80% APY InFirst Bank advertises on INFIR$T REWARD$ Savings grows to $10,180 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,813 does today. The top rate requires direct deposit. See how the federal funds rate shapes savings rates.
InFirst Bank CD rates over time
Who is InFirst Bank?
| Headquarters | Indiana, PA |
|---|---|
| Founded | 1922 |
| Scale | $683M assets · $613M deposits, $519M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 27763 |
| Charter state | Pennsylvania · one of 110 insured banks chartered there (Q2 2026, FDIC) |
| Size | 1,333rd-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 61% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What InFirst Bank pays on deposits above.
Common questions about InFirst Bank
Is InFirst Bank FDIC insured?
Yes. InFirst Bank is FDIC insured under certificate 27763, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at InFirst Bank?
InFirst Bank requires a minimum deposit of $0 to open its INFIR$T REWARD$ Savings account, as observed on Nov 2, 2026. Check the bank's current terms before you open an account.
Does InFirst Bank have branches?
Yes. InFirst Bank operates 11 branches according to FDIC branch records, in addition to its website and mobile apps.
InFirst Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| InFirst Bank | 1.80% | 1.90% | $0 | 11 branches in PA |
| Ion Bank | Up to1.80% | 1.19% | $0 | 37 branches in CT, NJ |
| Community Financial Services Bank | 1.81% | 0.74% | $50,000 | 8 branches in KY |
| The First National Bank of Ely | Up to1.81% | 2.01% | $2,500 | 1 branch in NV |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to InFirst Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Pennsylvania, nearest to InFirst Bank in deposits:
Rate hubs: today's highest savings rates, and CD rates by term.
State pages: savings rates in Pennsylvania, CD rates in Pennsylvania, and banks in Pennsylvania.