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InFirst Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 11, 2026
InFirst Bank's top rates as of October 11, 2026 are 3.25% APY on its 1 Year CD, 0.10% APY on savings, 3.56% APY on money market accounts, 0.50% APY on checking, 6.38% on its 10 Year Fixed Rate Portfolio Mortgage, and personal loans from 6.89% APR, according to rates verified by MonitorBankRates. Other InFirst Bank CD rates include 2 Year CD at 2.50%, 6-Month CD at 2.50%, and 9-Month CD at 2.50%. Other InFirst Bank mortgage rates include 15 Year Fixed Rate Portfolio Mortgage at 6.50%, 20/1 Adjustable Rate Mortgage w/ 30 yr Amortization at 6.75%, and 20 Year Fixed Rate Portfolio Mortgage at 6.75%. 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 10/11/2026.
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.
InFirst Bank has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
InFirst Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.06%
ExcellentLower than avg
InFirst Bank Texas Ratio
InFirst Bank's Texas Ratio is 1.06%, which is considered excellent and is lower than the national average of 5.85%.
InFirst Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
5.81% to 1.06% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
Product
Rate
APY
Term
View More
1 Year CD
3.224%
3.25%
1 Year
Min Deposit$500
Min Balance$0
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
2 Year CD
2.484%
2.50%
2 Year
Min Deposit$500
Min Balance$0
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
6 Month CD
2.50%
2.50%
6 Month
Min Deposit$500
Min Balance$0
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
9 Month CD
2.50%
2.50%
9 Month
Min Deposit$500
Min Balance$0
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
3 Year CD
1.742%
1.75%
3 Year
Min Deposit$500
Min Balance$0
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 1.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
4 Year CD
1.742%
1.75%
4 Year
Min Deposit$500
Min Balance$0
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 1.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
5 Year CD
1.742%
1.75%
5 Year
Min Deposit$500
Min Balance$0
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 1.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
3 Month CD
0.10%
0.10%
3 Month
Min Deposit$500
Min Balance$0
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
InFirst Bank Business Savings Rates
Product
Rate
APY
View More
Business Statement Savings
0.10%
0.10%
Min Deposit$100
Min Balance$75,000
DetailsBalance: $75,000.00 +
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Business Statement Savings
0.05%
0.05%
Min Deposit$100
Min Balance$25,000
DetailsBalance: $25,000.00 - $74,999.99
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Business Statement Savings
0.02%
0.02%
Min Deposit$100
Min Balance$0
DetailsBalance: $0.01 - $24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
InFirst Bank Money Market Rates
Product
Rate
APY
View More
Non-Profit Money Market
3.50%
3.56%
Min Deposit$2,500
Min Balance$25,000
DetailsBalance: $25,000+
Last Updated10/11/2026
Rate History
1 change since Sep 19, 2026 · 3.43% → 3.56% ▲ 0.13 pts · high 3.56% / low 3.43%
Oct 3, 20263.56%▲ from 3.43%
Sep 19, 20263.43%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Non-Profit Money Market
1.75%
1.76%
Min Deposit$2,500
Min Balance$0
DetailsBalance: $0.01 - $24,999.99
Last Updated10/11/2026
Rate History
1 change since Sep 19, 2026 · 1.70% → 1.76% ▲ 0.06 pts · high 1.76% / low 1.70%
Oct 3, 20261.76%▲ from 1.70%
Sep 19, 20261.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
InFirst Bank Checking Rates
Product
Rate
APY
View More
INFIR$T REWARD$ Cash Checking Account
0.499%
0.50%
Min Deposit$100
Min Balance$25,000
DetailsQualifications Required: 12 POS debit card purchases post and settle during the statement cycle; Be enrolled and receive your monthly account statement electronically; One direct deposit or one ACH automatic payment must post and settle to your account per monthly qualification cycle; Balances over $25,000.01 when qualifications are met. ATM Fee Reimbursement up to $20 per cycle. Limit one account per social security number. Business or non-profit accounts are ineligible. Fees may reduce earnings. Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on non-cash deposits: Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Compounding and crediting frequency: Interest will compound every month and be credited to your account on the last day of your statement cycle.
Last Updated10/11/2026
Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Non-Profit Checking w/ Interest
0.50%
0.50%
Min Deposit$100
Min Balance$0
DetailsBalance: $0.01
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
INFIR$T REWARD$ Cash Checking Account
0.05%
0.05%
Min Deposit$100
Min Balance$0
DetailsWhen qualifications are not met. ATM Fee Reimbursement up to $20 per cycle. Limit one account per social security number. Business or non-profit accounts are ineligible. Fees may reduce earnings. Daily balance computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on non-cash deposits: Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Compounding and crediting frequency: Interest will compound every month and be credited to your account on the last day of your statement cycle.
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
InFirst Bank Business Checking Rates
Product
Rate
APY
View More
Small Business Checking w/ Interest
0.01%
0.01%
Min Deposit$100
Min Balance$0
DetailsBalance: $0.01 - $9,999.99
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Small Business Checking w/ Interest
0.01%
0.01%
Min Deposit$100
Min Balance$10,000
DetailsBalance: $10,000.00 - $24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Small Business Checking w/ Interest
0.01%
0.01%
Min Deposit$100
Min Balance$25,000
DetailsBalance: $25,000.00 and over
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
InFirst Bank Mortgage Rates
Product
Rate
Points
APR
Term
View More
10 Year Fixed Rate Portfolio Mortgage
6.38%
-
6.68%
10 Year
No additional details.
Last Updated10/11/2026
Rate History
3 changes since Sep 15, 2026 · 6.17% → 6.68% ▲ 0.51 pts · high 6.68% / low 6.17%
Oct 11, 20266.68%▲ from 6.55%
Oct 1, 20266.55%▲ from 6.30%
Sep 24, 20266.30%▲ from 6.17%
Sep 15, 20266.17%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
15 Year Fixed Rate Portfolio Mortgage
6.50%
-
6.72%
15 Year
No additional details.
Last Updated10/11/2026
Rate History
3 changes since Sep 15, 2026 · 6.08% → 6.72% ▲ 0.64 pts · high 6.72% / low 6.08%
Oct 11, 20266.72%▲ from 6.59%
Oct 1, 20266.59%▲ from 6.34%
Sep 24, 20266.34%▲ from 6.08%
Sep 15, 20266.08%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
20/1 Adjustable Rate Mortgage w/ 30 yr Amortization
6.75%
-
6.89%
No additional details.
Last Updated10/11/2026
Rate History
1 change since Oct 7, 2026 · 6.76% → 6.89% ▲ 0.13 pts · high 6.89% / low 6.76%
Oct 11, 20266.89%▲ from 6.76%
Oct 7, 20266.76%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
20 Year Fixed Rate Portfolio Mortgage
6.75%
-
6.93%
20 Year
No additional details.
Last Updated10/11/2026
Rate History
3 changes since Sep 15, 2026 · 6.29% → 6.93% ▲ 0.64 pts · high 6.93% / low 6.29%
Oct 11, 20266.93%▲ from 6.80%
Oct 1, 20266.80%▲ from 6.55%
Sep 24, 20266.55%▲ from 6.29%
Sep 15, 20266.29%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
30 Year Fixed Rate Portfolio Mortgage
7.00%
-
7.14%
30 Year
No additional details.
Last Updated10/11/2026
Rate History
3 changes since Sep 15, 2026 · 6.51% → 7.14% ▲ 0.63 pts · high 7.14% / low 6.51%
Oct 11, 20267.14%▲ from 7.01%
Oct 1, 20267.01%▲ from 6.76%
Sep 24, 20266.76%▲ from 6.51%
Sep 15, 20266.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
InFirst Bank Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
36 Month Home Equity Loan Special
5.75%
-
5.75%
36 months
DetailsSpecial*
Last Updated10/11/2026
Rate History
1 change since Sep 15, 2026 · 5.63% → 5.75% ▲ 0.12 pts · high 5.75% / low 5.63%
Oct 11, 20265.75%▲ from 5.63%
Sep 15, 20265.63%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
60 Month Home Equity Loan Special
5.75%
-
5.75%
60 months
DetailsSpecial *
Last Updated10/11/2026
Rate History
1 change since Sep 15, 2026 · 5.63% → 5.75% ▲ 0.12 pts · high 5.75% / low 5.63%
Oct 11, 20265.75%▲ from 5.63%
Sep 15, 20265.63%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
120 Month Home Equity Loan Special
5.88%
-
5.88%
120 months
DetailsSpecial *
Last Updated10/11/2026
Rate History
1 change since Sep 15, 2026 · 5.76% → 5.88% ▲ 0.12 pts · high 5.88% / low 5.76%
Oct 11, 20265.88%▲ from 5.76%
Sep 15, 20265.76%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
180 Month Home Equity Loan Special
6.13%
-
6.13%
180 months
DetailsSpecial *
Last Updated10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.00% → 6.13% ▲ 0.13 pts · high 6.13% / low 6.00%
Oct 11, 20266.13%▲ from 6.00%
Sep 15, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
240 Month Home Equity Loan Special
6.38%
-
6.38%
240 months
DetailsSpecial *
Last Updated10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.25% → 6.38% ▲ 0.13 pts · high 6.38% / low 6.25%
Oct 11, 20266.38%▲ from 6.25%
Sep 15, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Home Equity Line of Credit
7.00%
-
7.00%
DetailsHome Equity Loans & Lines of Credit
Last Updated10/11/2026
Rate History
2 changes since Sep 15, 2026 · 6.76% → 7.00% ▲ 0.24 pts · high 7.01% / low 6.76%
Oct 11, 20267.00%▼ from 7.01%
Sep 24, 20267.01%▲ from 6.76%
Sep 15, 20266.76%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Home Equity Line of Credit
7.00%
-
7.005%
Details****
Last Updated10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.76% → 7.01% ▲ 0.25 pts · high 7.01% / low 6.76%
Sep 24, 20267.01%▲ from 6.76%
Sep 15, 20266.76%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
InFirst Bank Auto Loan Rates
Product
Rate
Points
APR
Term
View More
2025-2026 - up to 60 months new Auto Loan
6.50%
-
6.60%
up to 60 months
No additional details.
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 6.60% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
2024-2026 - 61 to 72 months new Auto Loan
6.95%
-
6.99%
61 to 72 months
No additional details.
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 6.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
2025-2026 - 61 to 72 months new Auto Loan
6.95%
-
6.99%
61 to 72 months
No additional details.
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 6.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
2022 & Newer - up to 60 months used Auto Loan
7.00%
-
7.10%
up to 60 months
No additional details.
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 7.10% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
2021 Model - up to 48 months used Auto Loan
7.00%
-
7.12%
up to 48 months
No additional details.
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 7.12% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
2020 Model - up to 36 months used Auto Loan
7.25%
-
7.41%
up to 36 months
No additional details.
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 7.41% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
InFirst Bank Personal Loan Rates
Product
APR
Term
View More
3 Year Personal Loan
6.89%
3 Year
No additional details.
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 6.89% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
4 Year Personal Loan
7.11%
4 Year
No additional details.
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 7.11% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
5 Year Personal Loan
7.34%
5 Year
No additional details.
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 7.34% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
5 Year Personal Loan
12.09%
5 Year
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 15, 2026 · 7.34% → 12.09% ▲ 4.75 pts · high 12.09% / low 7.34%
Sep 24, 202612.09%▲ from 7.34%
Sep 15, 20267.34%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
4 Year Personal Loan
12.11%
4 Year
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 15, 2026 · 7.11% → 12.11% ▲ 5.00 pts · high 12.11% / low 7.11%
Sep 24, 202612.11%▲ from 7.11%
Sep 15, 20267.11%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Unsecured Personal Line of Credit
13.08%
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 15, 2026 · 12.90% → 13.08% ▲ 0.18 pts · high 13.08% / low 12.90%
Sep 24, 202613.08%▲ from 12.90%
Sep 15, 202612.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
3 Year Personal Loan
13.14%
3 Year
No additional details.
Last Updated10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.89% → 13.14% ▲ 6.25 pts · high 13.14% / low 6.89%
Sep 24, 202613.14%▲ from 6.89%
Sep 15, 20266.89%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
2 Year Personal Loan
13.20%
2 Year
No additional details.
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 13.20% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
InFirst Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
10 Year Land Loan
6.75%
-
6.89%
10 Year
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 6.89% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
15 Year Land Loan
7.00%
-
7.11%
15 Year
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 7.11% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
20 Year Land Loan
7.25%
-
7.34%
20 Year
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 7.34% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
5 Year Land Loan
6.50%
-
6.76%
5 Year
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 6.76% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
INFIR$T REWARD$ Cash
-
-
2.50%
Min Deposit$100
DetailsQualifications Required: Qualifications met; Earn 0.50% APY on balances over $25,000 when qualifications are met; No minimum balance to earn rewards; Nationwide ATM fee refunds (up to $20 per cycle when qualifications are met); Free Mobile Banking & Free Electronic Statements; Free Money View Tool; FDIC Insured up to $250,000; Can be linked to a INFIR$T REWARD$ Savings Account
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.06%
Financial Health History
InFirst 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
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
$683M
1.06%
5.0
A+
March 31, 2026
$673M
1.45%
5.0
A+
December 31, 2025
$664M
1.47%
5.0
A+
September 30, 2025
$666M
3.40%
5.0
A+
June 30, 2025
$641M
2.45%
5.0
A+
March 31, 2025
$621M
2.88%
5.0
A+
December 31, 2024
$605M
2.68%
5.0
A+
September 30, 2024
$589M
3.17%
5.0
A+
June 30, 2024
$579M
3.40%
5.0
A+
March 31, 2024
$560M
3.86%
5.0
A+
December 31, 2023
$541M
4.99%
5.0
A+
September 30, 2023
$529M
5.81%
5.0
A+
Source: FDIC 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 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
Institution NameInFirst Bank
Bank Holding CompanyINFIRST BCORP MHC
Address
935 Philadelphia St,
Indiana, PA 15701 · Indiana
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Average Rating
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Total Reviews
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Frequently Asked Questions About InFirst Bank
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.
Current InFirst Bank Rates
12-Month CD3.25%
24-Month CD2.50%
36-Month CD1.75%
48-Month CD1.75%
60-Month CD1.75%
Savings0.10%
MMA3.56%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
