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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 InFirst Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 6, 2026
InFirst Bank's 1 Year CD rates are at 3.25%, 2 Year CD rates are at 2.50%, 6-Month CD rates are at 2.50%, 9-Month CD rates are at 2.50%, 3 Year CD rates are at 1.75%. InFirst Bank's savings rates are at 0.10%. InFirst Bank's money market rates are at 3.56%. InFirst Bank's checking rates are as high as 2.50%. InFirst Bank's 10 Year Fixed Rate Portfolio Mortgage rates are at 6.25%, 15 Year Fixed Rate Portfolio Mortgage rates are at 6.38%, 20/1 Adjustable Rate Mortgage w/ 30 yr Amortization rates are at 6.63%, 20 Year Fixed Rate Portfolio Mortgage rates are at 6.63%, 30 Year Fixed Rate Portfolio Mortgage rates are at 6.88%. InFirst Bank's Personal Loan Rates are as low as 6.89%. InFirst Bank's top CD rate of 3.25% APY on a 12 month CD is 7% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of InFirst Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.06%. Rates last updated and verified on 11/06/2026. InFirst Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at InFirst Bank? Share your experience about InFirst Bank by leaving a review below, or read customer reviews before you decide to use InFirst Bank. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. InFirst Bank CD Rates
InFirst Bank Business Savings Rates
InFirst Bank Money Market Rates
InFirst Bank Checking Rates
InFirst Bank Business Checking Rates
InFirst Bank Mortgage Rates
InFirst Bank Home Equity & HELOC
InFirst Bank Auto Loan Rates
InFirst Bank Personal Loan Rates
InFirst Bank Other Rates
Financial Health HistoryInFirst Bank’s Texas Ratio fell from 5.81% in Q3 2023 to 1.06% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for InFirst Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather InFirst Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with InFirst Bank's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
InFirst Bank
Website
https://www.infirstbank.bank
Address
935 Philadelphia St,
Indiana, PA 15701 · Indiana
Bank Holding Company
INFIRST BCORP MHC
FDIC Certificate #
27763
Regulator
FDIC
Established
January 1, 1922
FDIC Insurance Date
August 9, 1989
Domestic Offices
11
Total Branches
11
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.06%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.0225%
Return on Equity (ROE)
11.3000%
Non-Performing Loans Ratio (NPL)
0.09%
Total Assets
$683,196,000
Total Deposits
$612,677,000
Equity Capital
$62,592,000
Net Income
$3,443,000
Headquarters
Indiana
Total Branches and Offices
11
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Add Your Rating and Review for InFirst Bank
Frequently Asked Questions About InFirst BankDoes InFirst Bank offer CDs?Yes. InFirst Bank current CD rates include its 1 Year CD at 3.25% APY, its 2 Year CD at 2.50% APY and its 6-Month CD at 2.50% APY, verified by MonitorBankRates as of November 6, 2026. Are CDs from InFirst Bank FDIC insured?Yes. InFirst Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at InFirst Bank?The highest InFirst Bank CD rate is its 1 Year CD at 3.25% APY, verified by MonitorBankRates as of November 6, 2026. What CD terms does InFirst Bank offer?InFirst Bank CD rates are 2.50% APY for a 6 month CD, 2.50% APY for a 9 month CD, 3.25% APY for a 12 month CD, 2.50% APY for a 2 year CD, 1.75% APY for a 3 year CD, 1.75% APY for a 4 year CD and 1.75% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with InFirst Bank for its full lineup. What is the highest savings rate at InFirst Bank?The highest InFirst Bank savings rate is its Business Statement Savings at 0.10% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest money market rate at InFirst Bank?The highest InFirst Bank money market rate is its Non-Profit Money Market at 3.56% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest checking rate at InFirst Bank?The highest InFirst Bank checking rate is its INFIR$T REWARD$ Cash Checking at 2.50% APY, verified by MonitorBankRates as of November 6, 2026. What is the lowest 30 year fixed mortgage rate at InFirst Bank?The lowest InFirst Bank 30 year fixed mortgage rate is its 30 Year Fixed Rate Portfolio Mortgage at 6.88%, verified by MonitorBankRates as of November 6, 2026. InFirst Bank mortgage rates are 6.63% for a 30 year mortgage, 6.63% for a 20 year mortgage, 6.38% for a 15 year mortgage and 6.25% for a 10 year mortgage. What is the lowest auto loan rate at InFirst Bank?The lowest InFirst Bank auto loan rate is its 2024-2026 - 61 to 72 months new Auto Loan at 6.95%, verified by MonitorBankRates as of November 6, 2026. What is the lowest personal loan rate at InFirst Bank?The lowest InFirst Bank personal loan rate is its 3 Year Personal Loan at 6.75%, verified by MonitorBankRates as of November 6, 2026. InFirst Bank personal loan rates are 13.00% for a 24 month personal loan, 6.75% for a 36 month personal loan, 7.00% for a 48 month personal loan and 7.25% for a 60 month personal loan. How many branches does InFirst Bank operate?InFirst Bank currently maintains approximately 11 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, InFirst Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, InFirst Bank provides members with tools to manage their accounts and build a solid financial history. Does InFirst Bank offer online and mobile banking?Most modern institutions like InFirst Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.infirstbank.bank. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do InFirst Bank rates compare?InFirst Bank's top CD rate of 3.25% APY on a 12 month CD is 7% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. InFirst Bank's top rates are its 1 Year CD at 3.25% APY, its Business Statement Savings at 0.10% APY, its Non-Profit Money Market at 3.56% APY, its INFIR$T REWARD$ Cash Checking at 2.50% APY, its 10 Year Fixed Rate Portfolio Mortgage at 6.25% and its 3 Year Personal Loan at 6.89% APR, verified by MonitorBankRates on November 6, 2026. Current InFirst Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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