What are the current interest rates at InFirst Federal Credit Union?

Current rates for InFirst Federal Credit Union include: 12-Month CD: 1.76%, 24-Month CD: 2.78%, 60-Month CD: 2.42%, Savings: 0.50%, MMA: 0.50%

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InFirst Federal Credit Union

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InFirst Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join InFirst Federal Credit Union?

Yes, to access services at InFirst Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, InFirst Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

InFirst Federal Credit Union's top rates as of October 12, 2026 are 4.30% APY on its 15-Month CD, 0.50% APY on savings, 0.50% APY on money market accounts, 1.00% APY on checking, auto loans from 6.99% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other InFirst Federal Credit Union CD rates include 34 Month CDs and IRA CDs Specials at 4.30%, CD Special - 34 month at 4.30%, and 11-Month CD at 4.25%. MonitorBankRates evaluates the financial stability of InFirst Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.58%. Rates last updated and verified on 10/12/2026.

InFirst Federal Credit Union 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 Federal Credit Union? Share your experience about InFirst Federal Credit Union by leaving a review below, or read customer reviews before you decide to use InFirst Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.58%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

InFirst Federal Credit Union
Alexandria

6222 Little River Tpke
Alexandria, VA 22312-1714

https://www.infirstfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

InFirst Federal Credit Union CD Rates

Product	Rate	APY	Term
15-Month Certificate	4.23%	4.30%	15 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
34 Month Share Certificates and IRA Share Certificates Specials	4.23%	4.30%	34 months
Min Deposit $1,000 Details Specials**; Limit four per member. No add-on features are offered on these certificates. At maturity, automatically rolls over to the next-lowest standard certificate term (7-month to a 6-month, 11-month to a 6-month, 15-month to a 1-year) at the rate offered at the time of maturity, unless instructed otherwise. A penalty will be assessed for early withdrawals. Fees may reduce earnings. Must be entirely funded with new money. New money is defined as funds not currently on deposit at InFirst FCU. Federally insured by NCUA. InFirst FCU membership is required. Rate subject to change. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Share Certificate Special - 34 month	4.23%	4.30%	34 months
Min Deposit $1,000 Details Must be entirely funded with new money. New money is defined as funds not currently on deposit at InFirst FCU. At maturity, automatically rolls over to the next-lowest standard certificate term (15-month to a 1-year) at the rate offered at the time of maturity, unless instructed otherwise. A penalty will be assessed for early withdrawals. Fees may reduce earnings. Limit four per member. No add-on features are offered on these certificates. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
11-Month Certificate	4.18%	4.25%	11 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 4, 20264.25%▲ from 4.00% Sep 16, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
21 Month Share Certificates and IRA Share Certificates Specials	4.18%	4.25%	21 months
Min Deposit $1,000 Details Specials**; Limit four per member. No add-on features are offered on these certificates. At maturity, automatically rolls over to the next-lowest standard certificate term (7-month to a 6-month, 11-month to a 6-month, 15-month to a 1-year) at the rate offered at the time of maturity, unless instructed otherwise. A penalty will be assessed for early withdrawals. Fees may reduce earnings. Must be entirely funded with new money. New money is defined as funds not currently on deposit at InFirst FCU. Federally insured by NCUA. InFirst FCU membership is required. Rate subject to change. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Share Certificate Special - 21 month	4.18%	4.25%	21 months
Min Deposit $1,000 Details Must be entirely funded with new money. New money is defined as funds not currently on deposit at InFirst FCU. At maturity, automatically rolls over to the next-lowest standard certificate term (11-month to a 6-month) at the rate offered at the time of maturity, unless instructed otherwise. A penalty will be assessed for early withdrawals. Fees may reduce earnings. Limit four per member. No add-on features are offered on these certificates. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
11 Month Share Certificates and IRA Share Certificates Specials	3.94%	4.00%	11 months
Min Deposit $1,000 Details Specials*; Limit four per member. No add-on features are offered on these certificates. At maturity, automatically rolls over to the next-lowest standard certificate term (7-month to a 6-month, 11-month to a 6-month, 15-month to a 1-year) at the rate offered at the time of maturity, unless instructed otherwise. A penalty will be assessed for early withdrawals. Fees may reduce earnings. Must be entirely funded with new money. New money is defined as funds not currently on deposit at InFirst FCU. Federally insured by NCUA. InFirst FCU membership is required. Rate subject to change. Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 4.25% → 4.00% ▼ 0.25 pts · high 4.25% / low 4.00% Oct 12, 20264.00%▼ from 4.25%* Oct 4, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
7-Month Certificate	3.94%	4.00%	7 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Share Certificate Special - 11 month	3.94%	4.00%	11 months
Min Deposit $1,000 Details Must be entirely funded with new money. New money is defined as funds not currently on deposit at InFirst FCU. At maturity, automatically rolls over to the next-lowest standard certificate term (7-month to a 6-month) at the rate offered at the time of maturity, unless instructed otherwise. A penalty will be assessed for early withdrawals. Fees may reduce earnings. Limit four per member. No add-on features are offered on these certificates. Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 4.00% → 4.00% ▼ 0.00 pts · high 4.25% / low 4.00% Oct 12, 20264.00%▼ from 4.25% Oct 8, 20264.25%▲ from 4.00% Sep 16, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
2 Year - Certificate or IRA Certificate	2.75%	2.78%	2 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.78% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Youth Share Certificates 2 Year - Certificate	2.75%	2.78%	2 Year
Min Deposit $100 Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.78% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
3 Year - Certificate or IRA Certificate	2.50%	2.52%	3 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.52% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Youth Share Certificates 3 Year - Certificate	2.50%	2.52%	3 Year
Min Deposit $100 Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.52% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
4 Year - Certificate or IRA Certificate	2.40%	2.42%	4 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.42% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
5 Year - Certificate or IRA Certificate	2.40%	2.42%	5 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.42% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Youth Share Certificates 4 Year - Certificate	2.40%	2.42%	4 Year
Min Deposit $100 Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.42% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Youth Share Certificates 5 Year - Certificate	2.40%	2.42%	5 Year
Min Deposit $100 Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.42% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
1 Year - Certificate or IRA Certificate	1.75%	1.76%	1 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Youth Share Certificates 1 Year - Certificate	1.75%	1.76%	1 Year
Min Deposit $100 Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
6 Month - Certificate	0.75%	0.75%	6 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Youth Share Certificates 6 Month - Certificate	0.75%	0.75%	6 Month
Min Deposit $100 Min Balance $100 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

InFirst Federal Credit Union Savings Rates

Product	Rate	APY
Youth Savings	0.50%	0.50%
Min Deposit $5 Min Balance $25 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Custom Club	0.05%	0.05%
Min Deposit $5 Min Balance $150 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Special Savings	0.05%	0.05%
Min Deposit $5 Min Balance $150 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Winter Holiday Club	0.05%	0.05%
Min Deposit $5 Min Balance $150 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

InFirst Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Prime Share/Savings	0.05%	0.05%
Min Deposit $5 Min Balance $150 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

InFirst Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market IRA Accounts	0.50%	0.50%
Min Deposit $5 Min Balance $75,000 Details Balance: $75,000.00 and greater Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Money Market IRA Accounts	0.30%	0.30%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000.00 to $74,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Money Market IRA Accounts	0.20%	0.20%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Money Market IRA Accounts	0.15%	0.15%
Min Deposit $5 Min Balance $150 Details Balance: Up to $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

InFirst Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Account	0.50%	0.50%
Min Deposit $5 Min Balance $75,000 Details Balance: $75,000.00 and greater Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Business Money Market Account	0.30%	0.30%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000.00 to $74,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Business Money Market Account	0.20%	0.20%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Business Money Market Account	0.15%	0.15%
Min Deposit $5 Min Balance $150 Details Balance: Up to $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

InFirst Federal Credit Union Checking Rates

Product	Rate	APY
My Money+ Checking	-	1.00%
Min Deposit $25 Min Balance $25 Details Earn up to 1.00%*** Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Ultimate Checking	-	1.00%
Min Deposit $25 Min Balance $25 Details Earn up to 1.00%* Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Organizational Checking	-	0.05%
Min Deposit $150 Min Balance $150 Details Earn 0.05**% Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

InFirst Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Auto Loans	-	-	6.99%	49 months
Details Term: 49 months to 60 months; As low as Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New and Used Auto Loans	-	-	7.19%	61 months
Details Term: 61 months to 66 months; As low as Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.19% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New and Used Auto Loans	-	-	7.49%	67 months
Details Term: 67 months to 72 months; As low as Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New and Used Auto Loans	-	-	7.74%	73 months
Details Term: 73 months to 78 months; As low as Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
New and Used Auto Loans	-	-	8.49%	79 months
Details Term: 79 months to 84 months; As low as Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

InFirst Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loans up to 60 months	-	7.00%	up to 60 months
Details As low as Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
RV Loans up to 60 months	-	7.00%	up to 60 months
Details As low as Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Boat Loans - 61 months to 96 months	-	7.75%	61 months
Details As low as Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
RV Loans - 61 months to 84 months	-	7.75%	61 months
Details As low as Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Boat Loans - 97 months to 144 months	-	8.00%	97 months
Details As low as Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
RV Loans - 85 months to 120 months	-	8.00%	85 months
Details As low as Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

InFirst Federal Credit Union Credit Card Rates

Product	Rate	APR
Young Adult Visa Rewards Available to young adults, ages 18 to 25	-	9.90%
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Visa Rewards	-	10.90%
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

InFirst Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
11-Month Certificate Special	-	-	6.49%	11 Months
Details Term: 37 months to 48 months; As low as Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
21-Month Certificate Special	-	-	5.49%	21 Months
Details As low as Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
34-Month Certificate Special	-	-	6.99%	34 Months
Details As low as 6.99% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Home Improvement Loan	-	-	7.25%
Details As low as Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%
Individual Retirement Accounts	0.05%	-	0.05%
Min Deposit $5 Min Balance $150 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.58%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

InFirst Federal Credit Union’s Texas Ratio fell from 4.76% in Q3 2023 to 3.58% 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$186M	3.58%	5.0	A+
March 31, 2026	$192M	4.59%	5.0	A+
December 31, 2025	$190M	6.71%	5.0	A
September 30, 2025	$190M	3.43%	5.0	A+
June 30, 2025	$190M	5.29%	5.0	A+
March 31, 2025	$197M	4.83%	5.0	A+
December 31, 2024	$196M	4.27%	5.0	A+
September 30, 2024	$201M	2.85%	5.0	A+
June 30, 2024	$207M	4.31%	5.0	A+
March 31, 2024	$215M	4.47%	5.0	A+
December 31, 2023	$219M	5.11%	5.0	A+
September 30, 2023	$222M	4.76%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for InFirst Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather InFirst Federal Credit Union 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 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name InFirst Federal Credit Union

Website https://www.infirstfcu.org

Address 6222 Little River Tpke, Alexandria, VA 22312-1714

Phone 703-914-8700

Fax 703-914-4510

President Alan Rothenberg

CEO Mark Hudzik

Full-Time Employees 42

Part-Time Employees 6

Branch Locations 7

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.58%

Return on Assets (ROA)

0.0425%

Return on Equity (ROE)

0.4247%

Non-Performing Loans Ratio (NPL)

0.49%

Total Assets

186,040,577

Total Amount of Shares and Deposits

165,702,418

Total Shares and Deposits < 1 Year

135,801,238

Total Shares and Deposits 1 3 Years

11,663,247

Total Shares and Deposits > 3 Years

18,237,933

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

10,016,341

Total Uninsured Shares and Deposits > $250K (F+J)

10,016,341

Total Insured Shares and Deposits > $250K (item 17 less item K)

155,686,077

Total Interest Expense (Sum of items 6 8)

878,121

Share Certificates

971

Number of Accounts for Share Drafts

6,527

IRA KEOGH Accounts

385

Number of Accounts for Regular Shares

15,561

Non Member Deposits

Money Market Shares

496

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

14,338,799

Total Liabilities

167,540,689

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

InFirst Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About InFirst Federal Credit Union

How many branches does InFirst Federal Credit Union operate?

InFirst Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join InFirst Federal Credit Union?

Yes, to access services at InFirst Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, InFirst Federal Credit Union 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 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does InFirst Federal Credit Union offer online and mobile banking?

Most modern institutions like InFirst Federal Credit Union 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.infirstfcu.org.

Current InFirst Federal Credit Union Rates

12-Month CD1.76%
24-Month CD2.78%
60-Month CD2.42%
Savings0.50%
MMA0.50%

Retrieved from our database of financial products. Rates subject to change.

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InFirst Federal Credit Union Rates & Review October 2026

Brian McKay

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Customer Reviews

Frequently Asked Questions About InFirst Federal Credit Union

How many branches does InFirst Federal Credit Union operate?

Is a member application needed to join InFirst Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does InFirst Federal Credit Union offer online and mobile banking?

Current InFirst Federal Credit Union Rates

Compare to Other Credit Unions