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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
2025 AVERAGE RATE = 5.95%
January 31, 2025
​​
April 30, 2025
​​
July 31, 2025
​​
October 31, 2025
5.95%
​
5.95%​
​
TBD
​
TBD​
Q1
​
Q2
​
Q3
​
Q4
2024 AVERAGE RATE = 6.220%
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%
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