INB Power Savings Account. High-Earning. No Hassles.
Enjoy competitive tiered rates designed to maximize your savings. Make your money go further with INB's Power Savings Account!
- Earn Up to 3.74% APY*
Tiered interest rates reward you for your relationship with INB.
- No Monthly Fees & No Minimum Balance
Enjoy worry-free saving with no balance requirement and no service charges.
Apply for a Power Savings Account
- Just $50 to Open
A small start with big potential - open your account with only $50.
- Rate that Adjusts Automatically
Meet the simple qualifiers, and your rate automatically moves up the next cycle.
How to Qualify for our Best Rate
- Keep an active INB checking account.**
- Receive at least one direct deposit of payroll, Social Security, retirement, or disability income to your INB checking account each statement cycle.
Don’t meet the requirements one month? You’ll still earn our standard rate, and we’ll move you back up automatically once you qualify again.
Apply for a Power Savings Account
Tiered Rates That Work for You
Interest is paid on a tiered basis. Rates vary based on balance and qualifications.
| Tier Type |
APY (%) |
Tier Information |
| Tier 1 (bonus rate) |
3.75% |
At least one direct deposit per statement cycle into that checking amount. |
| Tier 2 (basic rate) |
0.43% |
Account automatically reverts if direct deposit requirements is not met monthly |
Have a Question? Contact Us Apply for a Power Savings Account
Apply online now or visit one of the following branches to get started: Bloomington, Champaign, Peoria or Tampa, Florida.
*Power Savings account requires a $50 minimum opening deposit. Interest is paid on a tiered basis and ranges from 0.43% to 3.74% APY as of 5/1/25. APY is variable and subject to change. No minimum balance required. No monthly service fee. Fees may reduce earnings. Tier 1 Rate requires an active INB checking account with at least one direct deposit per statement cycle. Rate reverts to Tier 2 if qualifiers are not met. Rate tier adjusts automatically in the next cycle if qualifications are restored. 5/1/25
**Power Checking and Easy Checking requires a minimum opening deposit requirement of $50. The minimum opening deposit required for Power Plus checking is $2,500. Annual Percentage Yield as of 5.01.23 for Power Plus Checking is tiered and ranges from 0.15% on balances up to $4,999.99 and 0.35% for balances of $5,000 and over. Rate and APY may change at any time. Fees may reduce earnings. 5/1/25
Explore More INB Account Options
Explore Savings Accounts Options
Choose from flexible accounts designed to help your money grow steadily while providing easy access when you need it.
- Regular Savings Account
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- Money Market Savings Account
- Youth Savings Account
Explore Checking Account Options
Discover checking accounts that offer convenience, security, and easy access to your funds!
- Power Checking Account
- Power Plus Checking Account
- Easy Checking Account
- Learn how to activate BaZing Benefits!