Bank · FDIC insured
First Internet Bank Savings Rates
Top CarrotFirst Internet Bank’s best savings rate is 3.09% APY on $10,000, with its Money Market Savings. Rates checked October 15, 2026.
How First Internet Bank’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
First Internet Bank
3.09%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $309
Money Market Savings
Top rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $600
First Internet Bank savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.80%
- $10,000 balance$10,0003.09%
- $100,000 balance$100,0003.09%
- QualifiedQualified3.09%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Savings
3.09%APY
A minimum opening deposit of $100 is required. A $5 monthly maintenance fee applies unless an average daily balance of $4,000 is maintained.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000,000Rate applies to daily balances of $1,000,000 or less. Monthly fee of $5 is waived with an average daily balance of $4,000. | 3.09% | $309 | Rate applies to daily balances of $1,000,000 or less. Monthly fee of $5 is waived with an average daily balance of $4,000. |
| $1,000,000 and upRate applies to daily balances above $1,000,000. Monthly fee of $5 is waived with an average daily balance of $4,000. | 3.88% | — | Rate applies to daily balances above $1,000,000. Monthly fee of $5 is waived with an average daily balance of $4,000. |
Free Savings
0.80%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.80% | $80 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Kids Savings
0.80%APY
For minor accountholders under age 18; parent or legal guardian must be a joint account holder. Converts to a Free Savings account at age 18.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.80% | $80 |
Sources (2)
All captured Oct 5, 2026
Personal Health Savings Account (HSA)
0.15%APY
Designed for individuals with a high deductible health plan (HDHP). Subject to IRS contribution limits.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (2)
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.