Interest
Rate

APY*

Interest Checking

Average Daily Balance up to $499.99

0.00%

0.00%

Average Daily Balance of $500.00 or more

1.25%

1.26%

Free Checking

0.00%

0.00%

Money Market Savings

2.23%

2.25%

Regular Savings

1.74%

1.75%

Free Savings

1.49%

1.50%

Tomorrow's Tycoons

1.74%

1.75%

Certificates of Deposit

3 Months

2.91%

2.95%

6 Months

3.01%

3.05%

12 Months

3.01%

3.05%

18 Months

3.06%

3.10%

24 Months

3.06%

3.10%

36 Months

3.15%

3.20%

48 Months

3.25%

3.30%

60 Months

3.40%

3.45%

Individual Retirement Accounts (IRAs)

Money Market IRA

2.23%

2.25%

12 Month IRA CD

3.01%

3.05%

18 Month IRA CD

3.06%

3.10%

24 Month IRA CD

3.06%

3.10%

36 Month IRA CD

3.15%

3.20%

48 Month IRA CD

3.25%

3.30%

60 Month IRA CD

3.40%

3.45%

CDs and IRA CDs require a minimum $1,000 deposit to open. Free Checking and Free Savings accounts require a minimum $25 deposit to open. All other personal deposit accounts require a minimum $100 deposit to open. Fees may reduce earnings on the account.

CD and IRA CD rates are guaranteed as of the postmark date on the envelope containing the signed application and funding for the account.

APR*

CONNECT Classic

12.0%

CONNECT Select

10.0%

APR*

Auto Loans

From 6.44% APR¹

RV Loans

From 7.74% APR¹

Boat Loans

From 8.50% APR¹

Horse Trailer Loans

From 8.00% APR¹

Motorcycle Loans

From 8.74% APR¹

Home Equity Loans

From 8.24% APR¹

Personal Loans

From 11.99% APR¹

Lines of Credit

Prime² + 2.0% APR

1. Rate determined by factors such as type of loan, collateral, term, amount of loan, credit
worthiness and applicant's relationship with First IB.

2. Line of credit rate is prime + 2.0%. Prime rate used is rate published by the Wall Street Journal on the 4th Tuesday of previous month. The floor (minimum) rate is 7.00%.

* Note:
APY = Annual Percentage Yield (Yield assumes interest received is reinvested.)
APR = Annual Percentage Rate
Rates last updated 04/25/08. Rates are subject to change on any day and will be updated by 10 AM Eastern. Please be sure to check this page after 10 AM Eastern for the rate that will be honored today.