rates

Deposit Account Rates

High Five Checking

Average Balance** # Monthly Transactions Dividend Rate APY
Average Balance**
0 – $5,000
# Monthly Transactions
0 – 24
Dividend Rate
1.25%
APY
1.26%
Average Balance**
0 – $5,000
# Monthly Transactions
25+
Dividend Rate
2.50%
APY
2.53%
Average Balance**
$5,001 and over
# Monthly Transactions
0 – 24
Dividend Rate
0.05%
APY
0.05%
Average Balance**
$5,001 and over
# Monthly Transactions
25+
Dividend Rate
0.05%
APY
0.05%
Dividends
Dividends Compounded
Monthly
Dividends Credited
Monthly
Dividend Period
Monthly
Balance Requirements
Minimum Opening Balance
None
Balance Method
Average Daily Method

Other Checking Accounts

Account Rate APY
Account
Step Up Checking
Rate
0.00%
APY
0.00%
Account
Bridge Checking
Rate
0.00%
APY
0.00%
Account
Teen Trailblazer Checking
Rate
0.00%
APY
0.00%
Account
College Pathfinder Checking
Rate
0.00%
APY
0.00%
Dividends
Dividends Compounded
Monthly
Dividends Credited
Monthly
Dividend Period
Monthly
Balance Requirements
Minimum Opening Balance
None
Minimum Required Balance
None
Balance Method
N/A

Member Share Savings

Balance** Rate APY
Balance**
Under $100
Rate
0.05%
APY
0.05%
Balance**
$100 – $499
Rate
0.05%
APY
0.05%
Balance**
$500 – $999
Rate
0.05%
APY
0.05%
Balance**
$1,000 and over
Rate
0.05%
APY
0.05%
Dividends
Dividends Compounded
Monthly
Dividends Credited
Monthly
Dividend Period
Monthly
Balance Requirements
Minimum Opening Balance
$5
Balance Method
Daily Balance

Other Savings Accounts

Account Minimum Opening Balance Rate APY
Account
Club Savings
Minimum Opening Balance
$1.00 Holiday / $0.01 Others
Rate
0.05%
APY
0.05%
Account
Traditional IRA
Minimum Opening Balance
n/a
Rate
0.05%
APY
0.05%
Account
Roth IRA Savings
Minimum Opening Balance
n/a
Rate
0.05%
APY
0.05%
Account
Roth Conversion IRA
Minimum Opening Balance
n/a
Rate
0.05%
APY
0.05%
Account
Education IRA Savings
Minimum Opening Balance
n/a
Rate
0.05%
APY
0.05%
Dividends
Dividends Compounded
Monthly
Dividends Credited
Monthly
Dividend Period
Monthly
Balance Requirements
Minimum Required Balance
None
Balance Method
Average Daily Method

Money Market Rates

Balance** Rate APY
Balance**
Under $2,500
Rate
0.05%
APY
0.05%
Balance**
$2,500 – $9,999
Rate
0.05%
APY
0.05%
Balance**
$10,000 – $24,999
Rate
0.10%
APY
0.10%
Balance**
$25,000 – $49,999
Rate
0.10%
APY
0.10%
Balance**
$50,000 and over
Rate
0.10%
APY
0.10%
Dividends
Dividends Compounded
Monthly
Dividends Credited
Monthly
Dividend Period
Monthly
Balance Requirements
Minimum Opening Balance
$25
Minimum Required Balance
$2,500
Balance Method
Daily Balance

K.I.S.S. Money Market

Balance** Rate APY
Balance**
$0 – $9,999
Rate
0.05%
APY
0.05%
Balance**
$10,000 and over
Rate
0.10%
APY
0.10%
Dividends
Dividends Compounded
Monthly
Dividends Credited
Monthly
Dividend Period
Monthly
Balance Requirements
Minimum Opening Balance
$25
Minimum Required Balance
N/A
Balance Method
Daily Balance

Premier Money Market & Premier IRA Money Market

Balance** Rate APY
Balance**
Under $2,500
Rate
0.05%
APY
0.05%
Balance**
$2,500 – $9,999
Rate
0.05%
APY
0.05%
Balance**
$10,000 – $24,999
Rate
0.10%
APY
0.10%
Balance**
$25,000 – $49,999
Rate
0.10%
APY
0.10%
Balance**
$50,000 – $99,999
Rate
0.10%
APY
0.10%
Balance**
$100,000 – $249,999
Rate
0.10%
APY
0.10%
Balance**
$250,000 and over
Rate
0.10%
APY
0.10%
Dividends
Dividends Compounded
Monthly
Dividends Credited
Monthly
Dividend Period
Monthly
Balance Requirements
Minimum Opening Balance
$50,000
Minimum Required Balance
$2,500
Balance Method
Daily Balance

Share Certificates

Term Dividend Rate APY
Term
3 Months
Dividend Rate
0.15%
APY
0.15%
Term
5 Months (No Penalty)
Dividend Rate
0.15%
APY
0.15%
Term
6 Months
Dividend Rate
0.15%
APY
0.15%
Term
8 Months (No Penalty)
Dividend Rate
0.25%
APY
0.25%
Term
9 Months
Dividend Rate
0.15%
APY
0.15%
Term
1 Year
Dividend Rate
0.25%
APY
0.25%
Term
15 Months
Dividend Rate
0.25%
APY
0.25%
Term
18 Months (*Win-Win)
Dividend Rate
0.50%
APY
0.50%
Term
2 Years
Dividend Rate
0.25%
APY
0.25%
Term
3 Years
Dividend Rate
0.50%
APY
0.50%
Term
5 Years
Dividend Rate
0.75%
APY
0.76%
Term
7 Years
Dividend Rate
0.75%
APY
0.76%
Term
10 Years
Dividend Rate
1.00%
APY
1.01%
Account Information
Minimum Opening Deposit
$500
Dividends Compounded
Monthly
Dividends Credit
Monthly
Dividend Period
Monthly
Balance Method
Daily Balance Method
Transaction Limitations – Penalties may apply for early withdrawal.
Additional Deposits
Not Allowed
Dividend Withdrawal
Allowed
Renewable
Automatic

Jumbo Share Certificates

Term Dividend Rate APY
Term
5 Months (No Penalty)
Dividend Rate
0.20%
APY
0.20%
Term
6 Months
Dividend Rate
0.20%
APY
0.20%
Term
8 Months (No Penalty)
Dividend Rate
0.30%
APY
0.30%
Term
9 Months
Dividend Rate
0.20%
APY
0.20%
Term
1 Year
Dividend Rate
0.30%
APY
0.30%
Term
15 Months
Dividend Rate
0.30%
APY
0.30%
Term
18 Months (*Win-Win)
Dividend Rate
0.55%
APY
0.55%
Term
2 Years
Dividend Rate
0.30%
APY
0.30%
Term
3 Years
Dividend Rate
0.55%
APY
0.55%
Term
5 Years
Dividend Rate
0.80%
APY
0.80%
Term
7 Years
Dividend Rate
0.80%
APY
0.80%
Term
10 Years
Dividend Rate
1.05%
APY
1.06%
Account Information
Minimum Opening Deposit
$95,000
Dividends Compounded
Monthly
Dividends Credit
Monthly
Dividend Period
Monthly
Balance Method
Daily Balance Method
Transaction Limitations – Penalties may apply for early withdrawal.
Additional Deposits
Not Allowed
Dividend Withdrawal
Allowed
Renewable
Automatic

IRA Share Certificates

Term Dividend Rate APY
Term
5 Months (No Penalty)
Dividend Rate
0.15%
APY
0.15%
Term
8 Months (No Penalty)
Dividend Rate
0.25%
APY
0.25%
Term
9 Months
Dividend Rate
0.15%
APY
0.15%
Term
15 Months
Dividend Rate
0.25%
APY
0.25%
Term
18 Months (*Win-Win)
Dividend Rate
0.50%
APY
0.50%
Term
3 Years
Dividend Rate
0.50%
APY
0.50%
Term
5 Years
Dividend Rate
0.75%
APY
0.76%
Term
7 Years
Dividend Rate
0.75%
APY
0.76%
Term
10 Years
Dividend Rate
1.00%
APY
1.01%
Account Information
Minimum Opening Deposit
N/A
Dividends Compounded
Monthly
Dividends Credit
Monthly
Dividend Period
Monthly
Balance Method
Daily Balance Method
Transaction Limitations – Penalties may apply for early withdrawal.
Additional Deposits
Not Allowed
Dividend Withdrawal
Allowed
Renewable
Automatic

Business Share Account

Daily Average Balance Rate APY
Daily Average Balance
$25.00 – $99.99
Rate
0.05%
APY
0.05%
Daily Average Balance
$100 – $5,000
Rate
0.05%
APY
0.05%
Daily Average Balance
$5,000 – $10,000
Rate
0.05%
APY
0.05%
Daily Average Balance
$10,000 and over
Rate
0.10%
APY
0.10%

Business Basic Checking

Terms Requirements
Terms
Minimum average daily balance to avoid fee
Requirements
$0.00 in Checking Account
Terms
Monthly fee if account is below minimum average daily balance
Requirements
$0.00
Terms
Dividend Earning
Requirements
No

Business Choice Checking

Daily Average Balance Rate APY
Daily Average Balance
$0 – $2,499
Rate
0.05%
APY
0.05%
Daily Average Balance
$2,500 – $4,999
Rate
0.05%
APY
0.05%
Daily Average Balance
$5,000 and over
Rate
0.05%
APY
0.05%

Business Money Market

Balance** Rate APY
Balance**
Under $5,000
Rate
0.05%
APY
0.05%
Balance**
$5,000 – $9,999
Rate
0.10%
APY
0.10%
Balance**
$10,000 – $24,999
Rate
0.10%
APY
0.10%
Balance**
$25,000 – $49,999
Rate
0.10%
APY
0.10%
Balance**
$50,000 and over
Rate
0.10%
APY
0.10%
Dividends
Dividends Compounded
Monthly
Dividends Credited
Monthly
Dividend Period
Monthly
Balance Requirements
Minimum Opening Balance
$25
Minimum Required Balance
$5,000
Balance Method
Daily Balance

Consumer Loan Rates

New Auto Loan (2018-2022)

Term APR as low as*
Term
12 months
APR as low as*
1.99%
Term
24 months
APR as low as*
1.99%
Term
36 months
APR as low as*
1.99%
Term
48 months
APR as low as*
1.99%
Term
60 months
APR as low as*
1.99%
Term
72 months
APR as low as*
2.24%
Term
84 months
APR as low as*
2.74%

Used Auto Loan (2017 and Older)

Term APR as low as*
Term
12 months
APR as low as*
2.99%
Term
24 months
APR as low as*
2.99%
Term
36 months
APR as low as*
2.99%
Term
48 months
APR as low as*
2.99%
Term
60 months
APR as low as*
2.99%
Term
72 months
APR as low as*
3.24%
Term
84 months
APR as low as*
3.74%

New Recreational Vehicle Loan (2017-2021)

Term APR as low as*
Term
12 months
APR as low as*
2.24%
Term
24 months
APR as low as*
2.49%
Term
36 months
APR as low as*
2.74%
Term
48 months
APR as low as*
2.99%
Term
60 months
APR as low as*
3.24%
Term
72 months
APR as low as*
3.49%
Term
84 months
APR as low as*
3.74%
Term
96 months
APR as low as*
4.24%
Term
108 months
APR as low as*
4.74%
Term
120 months
APR as low as*
5.24%
Term
144 months
APR as low as*
5.74%
Term
180 months
APR as low as*
6.24%

Used Recreational Vehicle Loan (2016 and Older)

Term APR as low as*
Term
12 months
APR as low as*
3.24%
Term
24 months
APR as low as*
3.24%
Term
36 months
APR as low as*
3.24%
Term
48 months
APR as low as*
3.24%
Term
60 months
APR as low as*
3.24%
Term
72 months
APR as low as*
3.49%
Term
84 months
APR as low as*
3.99%
Term
96 months
APR as low as*
4.49%
Term
108 months
APR as low as*
4.99%
Term
120 months
APR as low as*
5.49%
Term
144 months
APR as low as*
5.99%
Term
180 months
APR as low as*
6.49%

Energy Loan

Term APR as low as*
Term
12 months
APR as low as*
4.99%
Term
24 months
APR as low as*
5.24%
Term
36 months
APR as low as*
5.49%
Term
48 months
APR as low as*
5.74%
Term
60 months
APR as low as*
5.99%
Term
72 months
APR as low as*
6.24%
Term
84 months
APR as low as*
6.49%

Equipment Loan (Personal Use)

Term APR as low as*
Term
12 months
APR as low as*
4.99%
Term
24 months
APR as low as*
5.24%
Term
36 months
APR as low as*
5.49%
Term
48 months
APR as low as*
5.74%
Term
60 months
APR as low as*
5.99%
Term
72 months
APR as low as*
6.24%
Term
84 months
APR as low as*
6.49%

Personal Loan

Term APR as low as*
Term
12 months
APR as low as*
5.99%
Term
24 months
APR as low as*
6.24%
Term
36 months
APR as low as*
6.49%
Term
48 months
APR as low as*
6.74%
Term
60 months
APR as low as*
6.99%
Term
72 months
APR as low as*
7.24%
Term
84 months
APR as low as*
7.49%

Bridge to Citizenship Loan

Term APR as low as*
Term
2 months
APR as low as*
5.99%
Term
24 months
APR as low as*
6.24%
Term
36 months
APR as low as*
6.49%
Term
48 months
APR as low as*
6.74%
Term
60 months
APR as low as*
6.99%
Term
72 months
APR as low as*
7.24%
Term
84 months
APR as low as*
7.49%

Other Loans

Type APR as low as* Terms
Type
Visa® Credit Card
APR as low as*
8.90%
Terms
n/a
Type
Share Secured
APR as low as*
3.00% + deposit rate
Terms
Use your savings as collateral
Type
Overdraft Protection Line of Credit
APR as low as*
18.00%
Terms
Maximum limit – $7,500

Real Estate Loan Rates

Conventional Mortgage Loans

Term Rates (as low as) APR starting at*
Term
3/1 Adjustable Rate
Rates (as low as)
1.875%
APR starting at*
2.720%
Term
5/1 Adjustable Rate
Rates (as low as)
1.875%
APR starting at*
2.720%
Term
7/1 Adjustable Rate
Rates (as low as)
2.250%
APR starting at*
2.663%
Term
30 Year Fixed Rate
Rates (as low as)
3.000%
APR starting at*
3.110%
Term
20 Year Fixed Rate
Rates (as low as)
2.750%
APR starting at*
2.945%
Term
15 Year Fixed Rate
Rates (as low as)
2.250%
APR starting at*
2.497%

Fixed Rate Home Equity Loan

Term APR as low as*
Term
5 years
APR as low as*
4.00%
Term
10 years
APR as low as*
4.25%
Term
15 years
APR as low as*
4.50%

Other Home Loans

Loan Type Term APR as low as*
Loan Type
Adjustable Rate Home Equity Loan
Term
n/a
APR as low as*
Unavailable at this time
Loan Type
Variable Rate Home Equity Line of Credit – 1% Payment
Term
n/a
APR as low as*
3.25%**
Loan Type
Variable Rate Home Equity Line of Credit – Interest Only
Term
n/a
APR as low as*
3.25%**
Loan Type
Fixed Rate Home Equity Line of Credit – Interest Only
Term
n/a
APR as low as*
5.00%**
Loan Type
Land Loan
Term
120 months. Rate varies based on land’s value up to 75% (LTV)
APR as low as*
6.50%**
Loan Type
Manufactured Home Loans
Term
Financing of mobile homes on a foundation on land; call for scenario pricing.
APR as low as*
Call: 1-800-499-8401 ext. 4110

Business Fee Schedule

Type Charge
Type
Business Account Services
Charge
Type
Business Money Market Account – Monthly Fee if balance falls below $5000.00 minimum
Charge
$25.00
Type
Domestic Wire Transfer Fee Recurring Set Up Fee – per item
Charge
$25.00
Type
Domestic Wire Transfer Fee Non-recurring Fee – per item
Charge
$25.00
Type
Account Reconciliation (per hour)
Charge
$25.00
Type
Research Fee (per hour – no charge if within 30 days of monthly statement)
Charge
$15.00
Type
Dormant/Inactivity Fee – No activity for 3 months ( monthly fee for months 4-7)
Charge
$5.00
Type
Dormant/Inactivity Fee – No activity for 3 months ( monthly fee for months 8+)
Charge
$25.00
Type
Collection Items: items sent and items received
Charge
Actual Costs
Type
Legal Process for Tax Levies, Garnishments (per occurrence)
Charge
Actual Costs
Type
Closeout of New Account within 60 days of opening
Charge
$25.00
Type
Statement Replacement Fee (per item)
Charge
$2.00
Type
Returned Item Fee – item is unpaid and returned (per item)
Charge
$32.00
Type
Deposited Returned Item Fee (per item)
Charge
$10.00
Type
Overdraft Fee – item is paid but account is overdrawn (per item)
Charge
$32.00
Type
Debit/ATM Card Replacement
Charge
$7.50
Type
Debit/ATM/Credit Card Expediting Fee
Charge
$100.00
Type
Stop Payment – checks and ACH (per item)
Charge
$25.00
Type
Stop Payment – Official Check – If lost or stolen must be 90 days following date of check (per item)
Charge
$5.00
Type
Official Checks (per item)
Charge
$5.00
Type
Copies of Infinity FCU Official Checks (per item)
Charge
$5.00
Type
Notary Fee– for members
Charge
Free
Type
Business Share Draft/Checking Services
Charge
Type
Business Basic Checking
Charge
Free
Type
Business Choice Checking –if average daily balance falls below minimum
Charge
$10.00
Type
Business Basic Deposited Check Fee (over 100 items per month) – per item
Charge
$.25
Type
Business Choice Deposited Check Fee (over 200 items per month) – per item
Charge
$.25
Type
Check Orders (First box of convenience checks for new business member is Free)
Charge
Actual Costs
Type
Copy of Check (per item)
Charge
$5.00
Type
Business Loans
Charge
Type
Commercial Credit Card – Statement Copy
Charge
$5.00
Type
Commercial Credit Card – Card Replacement
Charge
$25.00
Type
Late Fee – Commercial Credit Card – if payment is 10 or more days
Charge
$25.00
Type
Late Fee – SBA Loans – if payment is 10 or more days late
Charge
5% of total amount of delinquent payment
Type
Late Fee – Commercial Real Estate – if payment is 10 or more days late
Charge
5% of total amount of delinquent payment
Type
Late Fee – all others – if payment is 15 or more days late
Charge
$25.00

Personal Fee Schedule

Type Charge
Type
High 5 Checking
Charge
$5.00 per month, if qualifications aren’t met
Type
ATM Withdrawal
Charge
$2.00 per withdrawal
Type
Non-Sufficient Funds (NSF) – Paid
Charge
$35.00 per paid NSF item
Type
Non-Sufficient Funds (NSF) – Returned
Charge
$32.00 per returned NSF item
Type
Stop Payment
Charge
$32.00 per stop payment order
Type
Returned deposit item
Charge
$15.00 per check
Type
Inactive account*
Charge
$5.00 per month
Type
Wire Transfer – incoming
Charge
$10.00 Domestic; $15.00 International
Type
Wire Transfer – outgoing
Charge
$25.00 Domestic; $40.00 International
Type
Skip a Payment
Charge
$30.00 per payment
Type
Late Loan Payment
Charge
$20.00 per payment
Routing Number
211288491
Call Us
Online Banking

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