Bank · FDIC insured
First Internet Bank CD Rates
Top CarrotFirst Internet Bank’s best CD rate is 4.00% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How First Internet Bank’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
First Internet Bank
4.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $400
Personal Certificate of Deposit
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
First Internet Bank CD score
87
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Internet Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Personal Certificate of Deposit
Up to 4.00%APY · 8 terms
Terms from 3 to 60 months. Minimum opening balance $1,000. Rates fixed for term. Auto-renews at maturity with 10-day grace period for penalty-free withdrawal. Early withdrawal penalty based on term length: 90 days interest for 1–3 months; 180 days interest for 4–18 months; 360 days interest for 19+ months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest compounded and credited monthly. Early withdrawal penalty: 90 days interest | 3.40% | $84 |
| 6 monthsInterest compounded and credited monthly. Early withdrawal penalty: 180 days interest | 3.60% | $178 |
| 12 monthsInterest compounded and credited monthly. Early withdrawal penalty: 180 days interest | 4.00% | $400 |
| 18 monthsInterest compounded and credited monthly. Early withdrawal penalty: 180 days interest | 4.00% | $606 |
| 24 monthsInterest compounded and credited monthly. Early withdrawal penalty: 360 days interest | 4.00% | $816 |
| 36 monthsInterest compounded and credited monthly. Early withdrawal penalty: 360 days interest | 4.00% | $1,249 |
| 48 monthsInterest compounded and credited monthly. Early withdrawal penalty: 360 days interest | 4.00% | $1,699 |
| 60 monthsInterest compounded and credited monthly. Early withdrawal penalty: 360 days interest | 4.00% | $2,167 |
Sources (7)
- firstib.com/personal/cds
- firstib.com/resources/disclosu…account-terms-conditions
- firstib.com/resources/disclosu…h-certificate-of-deposit
- firstib.com/resources/disclosu…h-certificate-of-deposit
- firstib.com/resources/disclosu…h-certificate-of-deposit
- firstib.com/resources/disclosu…h-certificate-of-deposit
- firstib.com/resources/disclosu…h-certificate-of-deposit
All captured Oct 5, 2026
Opening an account
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