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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

2024 AVERAGE RATE = 6.250%

January 31, 2024

April 30, 2024

July 31, 2024

October 31, 2024

6.250%

6.250%

TBD

TBD

Q1

Q2

Q3

Q4

2023 AVERAGE RATE = 5.983%

January 31, 2023

April 30, 2023

July 31, 2023

October 31, 2023

5.550%

6.030%

6.150%

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%

Q1

Q2

Q3

Q4

2019 AVERAGE RATE = 5.245%

January 31, 2019

April 30, 2019

July 31, 2019

October 31, 2019

5.224%

5.270%

5.230%

5.257%

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