top of page
INVESTMENT RATES
OUR INVESTMENT APPROACH
CURRENT & PAST RATE HISTORY
*First Island’s rate of return is consistent across all account types.
Calculated on an annual basis and paid or reinvested quarterly.
QUARTER
INTEREST
EFFECTIVE
ANNUALIZED
INTEREST %
Q1
Q2
Q3
Q4
2026 AVERAGE RATE = 5.70%
January 31, 2026
April 30, 2026
July 31, 2026
October 31, 2026
5.70%
TBD
TBD
TBD
Q1
Q2
Q3
Q4
2025 AVERAGE RATE = 5.85%
January 31, 2025
April 30, 2025
July 31, 2025
October 31, 2025
5.95%
5.95%
5.80%
5.70%
Q1
Q2
Q3
Q4
2024 AVERAGE RATE = 6.22%
January 31, 2024
April 30, 2024
July 31, 2024
October 31, 2024
6.25%
6.25%
6.25%
6.11%
Q1
Q2
Q3
Q4
2023 AVERAGE RATE = 5.983%
January 31, 2023
April 30, 2023
July 31, 2023
October 31, 2023
5.55%
6.03%
6.15%
6.202%
Q1
Q2
Q3
Q4
2022 AVERAGE RATE = 5.094%
January 31, 2022
April 30, 2022
July 31, 2022
October 31, 2022
4.769%
4.922%
5.265%
5.419%
Q1
Q2
Q3
Q4
2021 AVERAGE RATE = 4.746%
January 31, 2021
April 30, 2021
July 31, 2021
October 31, 2021
4.742%
4.716%
4.767%
4.759%
Q1
Q2
Q3
Q4
2020 AVERAGE RATE = 4.933%
January 31, 2020
April 30, 2020
July 31, 2020
October 31, 2020
5.215%
5.044%
4.754%
4.720%
bottom of page