This rate chart contains information about interest rates and annual percentage yields for some INB accounts.
Checking Accounts
Power Plus Checkingb
Minimum Balance to Obtain Annual Percentage Yield: $2,500
| Portion of Your Daily Balance |
Interest Rate |
Annual Percentage Yield |
| up to $4.999.99 |
0.15% |
0.15% |
| $5,000.00 and up |
0.35% |
0.15% to 0.35% |
Maximizer Account
| Daily Balance of |
Interest Rate |
Annual Percentage Yield |
| up to $49,999.99 |
0.20% |
0.20% |
| $50,000.00-$249,999.99 |
0.30% |
0.30% |
| $250,000.00 and up |
0.40% |
0.40% |
Savings Accounts
You Name It! Savingsb
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 |
| 0.10% |
0.20% |
Regular Savingsb
Minimum Balance to Obtain Annual Percentage Yield: $50
| Interest Rate |
Annual Percentage Yield |
| 0.10% |
0.20% |
Money Market Savingsb
| Daily Balances of |
Interest Rate |
Annual Percentage Yield |
| up to $999.99 |
0.20% |
0.20% |
| $1,000.00-$9,999.99 |
0.20% |
0.20% |
| $10,000.00-$49,999.99 |
0.30% |
0.30% |
| $50,000.00-$249,999.99 |
0.40% |
0.40% |
| $250,000.00 and up |
0.50% |
0.50% |
Premier Money Market Savingsbc
| Daily Balances of |
Interest Rate |
Annual Percentage Yield |
| up to $999.99 |
0.20% |
0.20% |
| $1,000.00-$9,999.99 |
0.40% |
0.40% |
| $10,000.00-$49,999.99 |
0.60% |
0.60% |
| $50,000.00-$249,999.99 |
0.80% |
0.80% |
| $250,000.00 and up |
1.00% |
1.00% |
Youth/Minor Savings
| Minimum Opening Deposit |
Interest Rate |
Annual Percentage Yield |
| $10 |
0.20% |
0.20% |
Health Savings Accounts (Interest-Bearing Checking)
| Daily Balances Of |
Interest Rate |
Annual Percentage Yield |
| up to $4,999.99 |
0.20% |
0.20% |
| $5,000.00 and up |
0.40% |
0.40% |
Premier Business Checking
| Minimum Opening Deposit |
Interest Rate |
Annual Percentage Yield |
| $100 |
0.15% |
0.15% |
Business Savings
| Minimum Opening Deposit |
Interest Rate |
Annual Percentage Yield |
| $100 |
0.20% |
0.20% |
Business Money Market Savings
Minimum Opening Deposit: $1,000
| Daily Balances Of |
Interest Rate |
Annual Percentage Yield |
| up to $999.99 |
0.20% |
0.20% |
| $1,000.00-$9,999.99 |
0.20% |
0.20% |
| $10,000.00-$49,999.99 |
0.40% |
0.40% |
| $50,000.00-$249,999.99 |
0.40% |
0.40% |
| $250,000.00 and up |
0.50% |
0.50% |
CDs
CDs (Certificates of Deposit)
CD (Rising Rate G)a
- Minimum Opening Deposit: $1,000
- Minimum Balance to Obtain Annual Percentage Yield: $1,000c
- Overall: 1.22%
| Timeline |
Interest
Rate |
| First 6 months |
1.00% |
| Next 6 months |
1.10% |
| Next 6 months |
1.25% |
| Last 6 months |
1.50% |
Premier CD (Rising Rate C)ac
- Minimum Opening Deposit: $1,000
- Minimum Balance to Obtain Annual Percentage Yield: $1,000c
- Overall: 1.53%
| Timeline |
Interest
Rate |
| First 6 months |
1.25% |
| Next 6 months |
1.35% |
| Next 6 months |
1.50% |
| Last 6 months |
2.01% |
CD (Rising Rate Z)a
- Minimum Opening Deposit: $1,000
- Minimum Balance to Obtain Annual Percentage Yield: $1,000c
- Overall: 1.85%
| Timeline |
Interest
Rate |
| First 12 months |
1.50% |
| Next 12 months |
1.80% |
| Next 12 months |
2.00% |
| Last 12 months |
2.10% |
Premier CD (Rising Rate Y)ac
- Minimum Opening Deposit: $1,000
- Minimum Balance to Obtain Annual Percentage Yield: $1,000c
- Overall: 2.12%
| Timeline |
Interest
Rate |
| First 12 months |
1.75% |
| Next 12 months |
2.15% |
| Next 12 months |
2.25% |
| Last 12 months |
2.35% |
CD (Less than 12 Mos)a
- Minimum Opening Deposit: $1,000
- Minimum Balance to Obtain Annual Percentage Yield: $1,000c
| Daily Balances of |
Interest
Rate |
Annual
Percentage
Yield |
| Under $100,000.00 |
0.65% |
0.65% |
| $100,000.00 and over |
0.75% |
0.75% |
CD (1 year)a
- Minimum Opening Deposit: $1,000
- Minimum Balance to Obtain Annual Percentage Yield: $1,000c
| Daily Balances of |
Interest
Rate |
Annual
Percentage
Yield |
| Under $100,000.00 |
1.25% |
1.25% |
| $100,000.00 and over |
1.35% |
1.35% |
CD (2 year)a
- Minimum Opening Deposit: $1,000
- Minimum Balance to Obtain Annual Percentage Yield: $1,000c
| Daily Balances of |
Interest
Rate |
Annual
Percentage
Yield |
| Under $100,000.00 |
1.45% |
1.45% |
| $100,000.00 and over |
1.55% |
1.55% |
CD (42 Mos)a
- Minimum Opening Deposit: $1,000
- Minimum Balance to Obtain Annual Percentage Yield: $1,000c
| Daily Balances of |
Interest
Rate |
Annual
Percentage
Yield |
| Under $100,000.00 |
1.65% |
1.65% |
| $100,000.00 and over |
1.75% |
1.75% |
CD (5 year)a
- Minimum Opening Deposit: $1,000
- Minimum Balance to Obtain Annual Percentage Yield: $1,000c
| Daily Balances of |
Interest
Rate |
Annual
Percentage
Yield |
| Under $100,000.00 |
1.85% |
1.85% |
| $100,000.00 and over |
1.95% |
1.95% |
IRAs
IRAs (Individual Retirement Accounts)
IRA (12 Month Special)ad
- Minimum Opening Deposit: $1,000
- Minimum Balance to Obtain Annual Percentage Yield: $1,000
Interest
Rate |
Annual
Percentage
Yield |
| 4.70% |
4.70% |
Money Market IRAb
- Minimum Opening Deposit: $50
Interest
Rate |
Annual
Percentage
Yield |
| 0.50% |
0.50% |
Structured Savings IRAb
- Minimum Opening Deposit: $50
| Daily Balances Of |
Interest
Rate |
Annual
Percentage
Yield |
| up to $4,999.99 |
3.29% |
3.34% |
| $5,000-$100,000 |
3.79% |
3.86% |
IRA (Rising Rate G)ad
- Minimum Opening Deposit: $1,000
- Minimum Balance to Obtain Annual Percentage Yield: $1,000c
- Overall Annual Percentage Yield: 1.22%
| Timeline |
Interest
Rate |
| First 6 months |
1.00% |
| Next 6 months |
1.10% |
| Next 6 months |
1.25% |
| Last 6 months |
1.50% |
Premier IRA (Rising Rate C)ac
- Minimum Opening Deposit: $1,000
- Minimum Balance to Obtain Annual Percentage Yield: $1,000c
- Overall Annual Percentage Yield: 1.53%
| Timeline |
Interest
Rate |
| First 6 months |
1.25% |
| Next 6 months |
1.35% |
| Next 6 months |
1.50% |
| Last 6 months |
2.01% |
IRA (Rising Rate Z)a
- Minimum Opening Deposit: $1,000
- Minimum Balance to Obtain Annual Percentage Yield: $1,000c
- Overall Annual Percentage Yield: 1.85%
| Timeline |
Interest
Rate |
| First 12 months |
1.50% |
| Next 12 months |
1.80% |
| Next 12 months |
2.00% |
| Last 12 months |
2.10% |
Premier IRA (Rising Rate Y)ac
- Minimum Opening Deposit: $1,000
- Minimum Balance to Obtain Annual Percentage Yield: $1,000c
- Overall Annual Percentage Yield: 2.12%
| Timeline |
Interest
Rate |
| First 12 months |
1.75% |
| Next 12 months |
2.15% |
| Next 12 months |
2.25% |
| Last 12 months |
2.35% |
IRAa
- Minimum Opening Deposit: $1,000
- Minimum Balance to Obtain Annual Percentage Yield: $1,000c
| Timeline |
Interest
Rate |
Annual Percentage Yield |
| IRA (6 Mos)a |
0.65% |
0.65% |
| IRA (1 Year)a |
1.25% |
1.25% |
| IRA (18 Mos)a |
1.35% |
1.35% |
| IRA (2 Year)a |
1.45% |
1.45% |
| IRA (3 Year)a |
1.55% |
1.55% |
| IRA (4 Year)a |
1.65% |
1.65% |
| IRA (5 Year)a |
1.85% |
1.85% |
aA penalty will be imposed for early withdrawal.
bThe interest rate and annual percentage yield may change after account opening.
cPremier CD and Money Market Savings rates are available to Power Plus Checking customers.
Fees could reduce earnings on the account. Interest Rates and Annual Percentage Yield are current as of 8/19/2024.
For current rate information call (217)747-5500.
Member FDIC.