Interest Rate Chart

This rate chart contains information about interest rates and annual percentage yields for some INB accounts.

Checking Accounts

Minimum Balance to Obtain Annual Percentage Yield: $2,500

Portion of Your Daily Balance	Interest Rate	Annual Percentage Yield
Portion of Your Daily Balanceup to $4.999.99	Interest Rate0.15%	Annual Percentage Yield0.15%
Portion of Your Daily Balance$5,000.00 and up	Interest Rate0.35%	Annual Percentage Yield0.15% to 0.35%

Daily Balance of	Interest Rate	Annual Percentage Yield
Daily Balance ofup to $49,999.99	Interest Rate0.20%	Annual Percentage Yield0.20%
Daily Balance of$50,000.00-$249,999.99	Interest Rate0.30%	Annual Percentage Yield0.30%
Daily Balance of$250,000.00 and up	Interest Rate0.40%	Annual Percentage Yield0.40%

Savings Accounts

Info about this savings account and how it differs from other products.

Minimum Balance to Obtain Annual Percentage Yield: $50

Interest Rate	Annual Percentage Yield
Interest Rate0.10%	Annual Percentage Yield0.20%

Daily Balances of	Interest Rate	Annual Percentage Yield
Daily Balances ofup to $999.99	Interest Rate0.20%	Annual Percentage Yield0.20%
Daily Balances of$1,000.00-$9,999.99	Interest Rate0.20%	Annual Percentage Yield0.20%
Daily Balances of$10,000.00-$49,999.99	Interest Rate0.30%	Annual Percentage Yield0.30%
Daily Balances of$50,000.00-$249,999.99	Interest Rate0.40%	Annual Percentage Yield0.40%
Daily Balances of$250,000.00 and up	Interest Rate0.50%	Annual Percentage Yield0.50%

Daily Balances of	Interest Rate	Annual Percentage Yield
Daily Balances ofup to $999.99	Interest Rate0.20%	Annual Percentage Yield0.20%
Daily Balances of$1,000.00-$9,999.99	Interest Rate0.40%	Annual Percentage Yield0.40%
Daily Balances of$10,000.00-$49,999.99	Interest Rate0.60%	Annual Percentage Yield0.60%
Daily Balances of$50,000.00-$249,999.99	Interest Rate0.80%	Annual Percentage Yield0.80%
Daily Balances of$250,000.00 and up	Interest Rate1.00%	Annual Percentage Yield1.00%

Minimum Opening Deposit	Interest Rate	Annual Percentage Yield
Minimum Opening Deposit $10	Interest Rate0.20%	Annual Percentage Yield0.20%

Daily Balances Of	Interest Rate	Annual Percentage Yield
Daily Balances Ofup to $4,999.99	Interest Rate0.20%	Annual Percentage Yield0.20%
Daily Balances Of$5,000.00 and up	Interest Rate0.40%	Annual Percentage Yield0.40%

Minimum Opening Deposit	Interest Rate	Annual Percentage Yield
Minimum Opening Deposit $100	Interest Rate0.15%	Annual Percentage Yield0.15%

Minimum Opening Deposit	Interest Rate	Annual Percentage Yield
Minimum Opening Deposit $100	Interest Rate0.20%	Annual Percentage Yield0.20%

Minimum Opening Deposit: $1,000

Daily Balances Of	Interest Rate	Annual Percentage Yield
Daily Balances Ofup to $999.99	Interest Rate0.20%	Annual Percentage Yield0.20%
Daily Balances Of$1,000.00-$9,999.99	Interest Rate0.20%	Annual Percentage Yield0.20%
Daily Balances Of$10,000.00-$49,999.99	Interest Rate0.40%	Annual Percentage Yield0.40%
Daily Balances Of$50,000.00-$249,999.99	Interest Rate0.40%	Annual Percentage Yield0.40%
Daily Balances Of$250,000.00 and up	Interest Rate0.50%	Annual Percentage Yield0.50%

CDs

CD (6 Month Special)^ad

Minimum Opening Deposit	Minimum Balance to Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield
Minimum Opening Deposit$1,000.00	Minimum Balance to Obtain Annual Percentage Yield$1,000.00	Interest Rate4.00%	AnnualPercentageYield 4.04%

CD (6 Month Special)^adf

Minimum Opening Deposit	Minimum Balance to Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield
Minimum Opening Deposit$1,000.00	Minimum Balance to Obtain Annual Percentage Yield$1,000.00	Interest Rate4.16%	AnnualPercentageYield 4.20%

CD (Rising Rate G)^a

Minimum Opening Deposit: $1,000
Minimum Balance to Obtain Annual Percentage Yield: $1,000^c
Overall: 1.22%

Timeline	Interest Rate
Timeline First 6 months	Interest Rate1.00%
Timeline Next 6 months	Interest Rate1.10%
Timeline Next 6 months	Interest Rate1.25%
Timeline Last 6 months	Interest Rate1.50%

Premier CD (Rising Rate C)^ac

Minimum Opening Deposit: $1,000
Minimum Balance to Obtain Annual Percentage Yield: $1,000^c
Overall: 1.53%

Timeline	Interest Rate
Timeline First 6 months	Interest Rate1.25%
Timeline Next 6 months	Interest Rate1.35%
Timeline Next 6 months	Interest Rate1.50%
Timeline Last 6 months	Interest Rate2.01%

CD (Rising Rate Z)^a

Minimum Opening Deposit: $1,000
Minimum Balance to Obtain Annual Percentage Yield: $1,000^c
Overall: 1.85%

Timeline	Interest Rate
Timeline First 12 months	Interest Rate1.50%
Timeline Next 12 months	Interest Rate1.80%
Timeline Next 12 months	Interest Rate2.00%
Timeline Last 12 months	Interest Rate2.10%

Premier CD (Rising Rate Y)^ac

Minimum Opening Deposit: $1,000
Minimum Balance to Obtain Annual Percentage Yield: $1,000^c
Overall: 2.12%

Timeline	Interest Rate
Timeline First 12 months	Interest Rate1.75%
Timeline Next 12 months	Interest Rate2.15%
Timeline Next 12 months	Interest Rate2.25%
Timeline Last 12 months	Interest Rate2.35%

CD (Less than 12 Mos)^a

Minimum Opening Deposit: $1,000
Minimum Balance to Obtain Annual Percentage Yield: $1,000^c

Daily Balances of	Interest Rate	Annual Percentage Yield
Daily Balances ofUnder $100,000.00	Interest Rate0.65%	AnnualPercentageYield 0.65%
Daily Balances of$100,000.00 and over	Interest Rate0.75%	AnnualPercentageYield 0.75%

CD (1 year)^a

Minimum Opening Deposit: $1,000
Minimum Balance to Obtain Annual Percentage Yield: $1,000^c

Daily Balances of	Interest Rate	Annual Percentage Yield
Daily Balances ofUnder $100,000.00	Interest Rate1.25%	AnnualPercentageYield 1.25%
Daily Balances of$100,000.00 and over	Interest Rate1.35%	AnnualPercentageYield 1.35%

CD (2 year)^a

Minimum Opening Deposit: $1,000
Minimum Balance to Obtain Annual Percentage Yield: $1,000^c

Daily Balances of	Interest Rate	Annual Percentage Yield
Daily Balances ofUnder $100,000.00	Interest Rate1.45%	AnnualPercentageYield 1.45%
Daily Balances of$100,000.00 and over	Interest Rate1.55%	AnnualPercentageYield 1.55%

CD (42 Mos)^a

Minimum Opening Deposit: $1,000
Minimum Balance to Obtain Annual Percentage Yield: $1,000^c

Daily Balances of	Interest Rate	Annual Percentage Yield
Daily Balances ofUnder $100,000.00	Interest Rate1.65%	AnnualPercentageYield 1.65%
Daily Balances of$100,000.00 and over	Interest Rate1.75%	AnnualPercentageYield 1.75%

CD (5 year)^a

Minimum Opening Deposit: $1,000
Minimum Balance to Obtain Annual Percentage Yield: $1,000^c

Daily Balances of	Interest Rate	Annual Percentage Yield
Daily Balances ofUnder $100,000.00	Interest Rate1.85%	AnnualPercentageYield 1.85%
Daily Balances of$100,000.00 and over	Interest Rate1.95%	AnnualPercentageYield 1.95%

IRAs

IRA (12 Month Special)^ad

Minimum Opening Deposit: $1,000
Minimum Balance to Obtain Annual Percentage Yield: $1,000

Interest Rate	Annual Percentage Yield
Interest Rate4.00%	Annual Percentage Yield4.00%

Money Market IRA^b

Minimum Opening Deposit: $50

Interest Rate	Annual Percentage Yield
Interest Rate0.50%	Annual Percentage Yield0.50%

Structured Savings IRA^b

Minimum Opening Deposit: $50

Daily Balances Of	Interest Rate	Annual Percentage Yield
Daily Balances Ofup to $4,999.99	Interest Rate3.22%	Annual Percentage Yield3.27%
Daily Balances Of$5,000-$100,000	Interest Rate3.72%	Annual Percentage Yield3.78%

IRA (Rising Rate G)^ad

Minimum Opening Deposit: $1,000
Minimum Balance to Obtain Annual Percentage Yield: $1,000^c
Overall Annual Percentage Yield: 1.22%

Timeline	Interest Rate
TimelineFirst 6 months	Interest Rate1.00%
TimelineNext 6 months	Interest Rate1.10%
TimelineNext 6 months	Interest Rate1.25%
TimelineLast 6 months	Interest Rate1.50%

Premier IRA (Rising Rate C)^ac

Minimum Opening Deposit: $1,000
Minimum Balance to Obtain Annual Percentage Yield: $1,000^c
Overall Annual Percentage Yield: 1.53%

Timeline	Interest Rate
TimelineFirst 6 months	Interest Rate1.25%
TimelineNext 6 months	Interest Rate1.35%
TimelineNext 6 months	Interest Rate1.50%
TimelineLast 6 months	Interest Rate2.01%

IRA (Rising Rate Z)^a

Minimum Opening Deposit: $1,000
Minimum Balance to Obtain Annual Percentage Yield: $1,000^c
Overall Annual Percentage Yield: 1.85%

Timeline	Interest Rate
TimelineFirst 12 months	Interest Rate1.50%
TimelineNext 12 months	Interest Rate1.80%
TimelineNext 12 months	Interest Rate2.00%
TimelineLast 12 months	Interest Rate2.10%

Premier IRA (Rising Rate Y)^ac

Minimum Opening Deposit: $1,000
Minimum Balance to Obtain Annual Percentage Yield: $1,000^c
Overall Annual Percentage Yield: 2.12%

Timeline	Interest Rate
TimelineFirst 12 months	Interest Rate1.75%
TimelineNext 12 months	Interest Rate2.15%
TimelineNext 12 months	Interest Rate2.25%
TimelineLast 12 months	Interest Rate2.35%

IRA^a

Minimum Opening Deposit: $1,000
Minimum Balance to Obtain Annual Percentage Yield: $1,000^c

Timeline	Interest Rate	Annual Percentage Yield
TimelineIRA (6 Mos)^a	Interest Rate0.65%	Annual Percentage Yield0.65%
TimelineIRA (1 Year)^a	Interest Rate1.25%	Annual Percentage Yield1.25%
TimelineIRA (18 Mos)^a	Interest Rate1.35%	Annual Percentage Yield1.35%
TimelineIRA (2 Year)^a	Interest Rate1.45%	Annual Percentage Yield1.45%
TimelineIRA (3 Year)^a	Interest Rate1.55%	Annual Percentage Yield1.55%
TimelineIRA (4 Year)^a	Interest Rate1.65%	Annual Percentage Yield1.65%
TimelineIRA (5 Year)^a	Interest Rate1.85%	Annual Percentage Yield1.85%

^{a) A penalty will be imposed for early withdrawal.}

^{b) The interest rate and annual percentage yield may change after account opening.}

^{c) Premier CD and Money Market Savings rates are available to Power Plus Checking customers.}

^{d) APY is based on crediting of interest at maturity or annually if CD term is equal to or greater than a year.}

^{e) Health Savings Account-Bundle Rate is available to INB Wealth Clients.}

^{f) Rate is available to customers with an INB loan or INB checking account with a recurring monthly direct deposit.}

Fees could reduce earnings on the account. Interest Rates and Annual Percentage Yield are current as of 4/4/2025.

For current rate information call (217)747-5500.

Member FDIC.

Interest Rate Chart

Checking Accounts

Savings Accounts

CDs

CD (6 Month Special)^ad

CD (6 Month Special)^adf

CD (Rising Rate G)^a

Premier CD (Rising Rate C)^ac

CD (Rising Rate Z)^a

Premier CD (Rising Rate Y)^ac

CD (Less than 12 Mos)^a

CD (1 year)^a

CD (2 year)^a

CD (42 Mos)^a

CD (5 year)^a

IRAs

IRA (12 Month Special)^ad

Money Market IRA^b

Structured Savings IRA^b

IRA (Rising Rate G)^ad

Premier IRA (Rising Rate C)^ac

IRA (Rising Rate Z)^a

Premier IRA (Rising Rate Y)^ac

IRA^a

INB Blog

South 6th Street’s Taylor Wilkey Promoted

Lanna Bartko has a New Role, Familiar Commitment

How a Simple Question Sparked a Culture of Core Values at INB

Salvation Army Fights Hunger with Help from the Community

Rory Keylon Finds Joy (and Pesto) in the Garden

I Want To...

Interest Rate Chart

Checking Accounts

Power Plus Checkingb

Maximizer Account

Savings Accounts

You Name It! Savingsb

Regular Savingsb

Money Market Savingsb

Premier Money Market Savingsbc

Youth/Minor Savings

Health Savings Accounts (Interest-Bearing Checking)

Premier Business Checking

Business Savings

Business Money Market Savings

CDs

CDs (Certificates of Deposit)

IRAs

IRAs (Individual Retirement Accounts)

INB Blog

South 6th Street’s Taylor Wilkey Promoted

Lanna Bartko has a New Role, Familiar Commitment

How a Simple Question Sparked a Culture of Core Values at INB

Salvation Army Fights Hunger with Help from the Community

Rory Keylon Finds Joy (and Pesto) in the Garden

I Want To...