Bank · FDIC insured
INB CD Rates
INB’s best CD rate is 1.95% APY on a 5-year CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How INB’s CD rates compare
Compared with banks and credit unions near Springfield, IL, where INB has the most branches. $10,000, best rate first.
This bank’s best
INB
3.74%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $406
CD Special
Top rate
Longview Community Bank
4.70%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $591
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
INB CD score
62
CD score
Higher than 7% of U.S. banks and credit unions
- 9–15 months9–15 mo1.25%
- 16–30 months16–30 mo1.45%
- 31–60 months31–60 mo1.85%
- QualifiedQualified3.74%
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 INB 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.
CD Special
Up to 3.74%APY · 2 terms
Interest compounded and credited annually. Penalty for early withdrawal. Rates current as of 10/6/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRelationship special rate for customers with an INB loan or INB checking account with monthly direct deposit. Daily balance method. Early withdrawal penalty of 90 days of interest. Automatically renews at a 6-month term with standard rates. 10 calendar days grace period | 3.71% | $184 |
| 6 monthsStandard special rate. Daily balance method. Early withdrawal penalty of 90 days of interest. Automatically renews at a 6-month term with standard rates. 10 calendar days grace period | 3.43% | $170 |
| 13 monthsRelationship special rate for customers with an INB loan or INB checking account with monthly direct deposit. Daily balance method. Early withdrawal penalty of 180 days of interest. Automatically renews at a 12-month term with standard rates. 10 calendar days grace period | 3.74% | $406 |
| 13 monthsStandard special rate. Daily balance method. Early withdrawal penalty of 180 days of interest. Automatically renews at a 12-month term with standard rates. 10 calendar days grace period | 3.50% | $380 |
Sources (2)
- inb.com/personal/other-persona…ices/interest-rate-chart
- inb.com/personal/checking-savi…/certificate-of-deposits
All captured Oct 6, 2026
Premier CD (Rising Rate Y)
2.12%APY · 1 term
Premier CD rates are available to Power Plus Checking customers. Penalty will be imposed for early withdrawal. Overall APY 2.12%. Rates current as of 9/17/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsFirst 12 months. Available to Power Plus Checking customers. Overall APY for full 48-month term is 2.12%. Penalty for early withdrawal | 2.12% | $875 |
| 48 monthsLast 12 months (months 37-48). Available to Power Plus Checking customers. Overall APY for full 48-month term is 2.12%. Penalty for early withdrawal | 2.12% | $875 |
| 48 monthsNext 12 months (months 13-24). Available to Power Plus Checking customers. Overall APY for full 48-month term is 2.12%. Penalty for early withdrawal | 2.12% | $875 |
| 48 monthsNext 12 months (months 25-36). Available to Power Plus Checking customers. Overall APY for full 48-month term is 2.12%. Penalty for early withdrawal | 2.12% | $875 |
Sources (1)
- inb.com/personal/other-persona…ices/interest-rate-chart · captured Sep 17, 2026
CD
Up to 1.85%APY · 5 terms
Penalty will be imposed for early withdrawal. Rates current as of 10/6/2026.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| Unknown–11 monthsPenalty will be imposed for early withdrawal | 0.65% | 0.75% | 0.65%0.75% from $100k | $0 |
| 12 monthsPenalty will be imposed for early withdrawal | 1.25% | 1.35% | 1.25%1.35% from $100k | $125 |
| 24 monthsPenalty will be imposed for early withdrawal | 1.45% | 1.55% | 1.45%1.55% from $100k | $292 |
| 42 monthsPenalty will be imposed for early withdrawal | 1.65% | 1.75% | 1.65%1.75% from $100k | $590 |
| 60 monthsPenalty will be imposed for early withdrawal | 1.85% | 1.95% | 1.85%1.95% from $100k | $960 |
Sources (1)
- inb.com/personal/other-persona…ices/interest-rate-chart · captured Oct 6, 2026
CD (5 year)
1.85%APY · 1 term
Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 60 months$100k+ balance tier | — | 1.95% | —1.95% from $100k | — |
| 60 monthsUnder $100k balance tier | 1.85% | — | 1.85% | $960 |
Sources (1)
- inb.com/personal/other-persona…ices/interest-rate-chart · captured Oct 16, 2026
CD (Rising Rate Z)
1.85%APY · 1 term
Penalty will be imposed for early withdrawal. Overall APY 1.85%. Rates current as of 9/17/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsFirst 12 months. Overall APY for full 48-month term is 1.85%. Penalty for early withdrawal | 1.85% | $761 |
| 48 monthsLast 12 months (months 37-48). Overall APY for full 48-month term is 1.85%. Penalty for early withdrawal | 1.85% | $761 |
| 48 monthsNext 12 months (months 13-24). Overall APY for full 48-month term is 1.85%. Penalty for early withdrawal | 1.85% | $761 |
| 48 monthsNext 12 months (months 25-36). Overall APY for full 48-month term is 1.85%. Penalty for early withdrawal | 1.85% | $761 |
Sources (1)
- inb.com/personal/other-persona…ices/interest-rate-chart · captured Sep 17, 2026
CD (42 Mos)
1.65%APY · 1 term
Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 42 months$100k+ balance tier | — | 1.75% | —1.75% from $100k | — |
| 42 monthsUnder $100k balance tier | 1.65% | — | 1.65% | $590 |
Sources (1)
- inb.com/personal/other-persona…ices/interest-rate-chart · captured Oct 16, 2026
CD (2 year)
1.45%APY · 1 term
Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 24 months$100k+ balance tier | — | 1.55% | —1.55% from $100k | — |
| 24 monthsUnder $100k balance tier | 1.45% | — | 1.45% | $292 |
Sources (1)
- inb.com/personal/other-persona…ices/interest-rate-chart · captured Oct 16, 2026
Premier CD (Rising Rate C)
1.53%APY · 1 term
Premier CD rates are available to Power Plus Checking customers. Penalty will be imposed for early withdrawal. Overall APY 1.53%. Rates current as of 9/17/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsFirst 6 months. Available to Power Plus Checking customers. Overall APY for full 24-month term is 1.53%. Penalty for early withdrawal | 1.53% | $308 |
| 24 monthsLast 6 months (months 19-24). Available to Power Plus Checking customers. Overall APY for full 24-month term is 1.53%. Penalty for early withdrawal | 1.53% | $308 |
| 24 monthsNext 6 months (months 13-18). Available to Power Plus Checking customers. Overall APY for full 24-month term is 1.53%. Penalty for early withdrawal | 1.53% | $308 |
| 24 monthsNext 6 months (months 7-12). Available to Power Plus Checking customers. Overall APY for full 24-month term is 1.53%. Penalty for early withdrawal | 1.53% | $308 |
Sources (1)
- inb.com/personal/other-persona…ices/interest-rate-chart · captured Sep 17, 2026
CD (1 year)
1.25%APY · 1 term
Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months$100k+ balance tier | — | 1.35% | —1.35% from $100k | — |
| 12 monthsUnder $100k balance tier | 1.25% | — | 1.25% | $125 |
Sources (1)
- inb.com/personal/other-persona…ices/interest-rate-chart · captured Oct 16, 2026
CD (Rising Rate G)
1.22%APY · 1 term
Penalty will be imposed for early withdrawal. Overall APY 1.22%. Rates current as of 9/17/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsFirst 6 months. Overall APY for full 24-month term is 1.22%. Penalty for early withdrawal | 1.22% | $245 |
| 24 monthsLast 6 months (months 19-24). Overall APY for full 24-month term is 1.22%. Penalty for early withdrawal | 1.22% | $245 |
| 24 monthsNext 6 months (months 13-18). Overall APY for full 24-month term is 1.22%. Penalty for early withdrawal | 1.22% | $245 |
| 24 monthsNext 6 months (months 7-12). Overall APY for full 24-month term is 1.22%. Penalty for early withdrawal | 1.22% | $245 |
Sources (1)
- inb.com/personal/other-persona…ices/interest-rate-chart · captured Sep 17, 2026
CD (Less than 12 Mos)
0.65%APY
Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $100,000Under $100k balance tier. | 0.65% | $65 | Under $100k balance tier. |
| $100,000 and up$100k+ balance tier. | 0.75% | — | $100k+ balance tier. |
Sources (1)
- inb.com/personal/other-persona…ices/interest-rate-chart · captured Oct 16, 2026
Special-purpose accounts
Structured Savings IRA
3.59%APY on $10,000
Must deposit $50 to open. Must make monthly automatic contributions from an INB account ($5 or more). Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
| Part of the balance | Rate on that part |
|---|---|
| Up to $5,000 | 3.28% |
| $5,000 – $100,000 | 3.78% |
On $10,000 the tiers blend to about 3.59% APY, earning $359 a year.
Sources (1)
- inb.com/personal/other-persona…ices/interest-rate-chart · captured Oct 16, 2026
IRA (12 Month Special)
3.50%APY · 1 term
12-Month IRA CD Special. Must deposit $1,000 to open. No additional deposits allowed. Early withdrawal penalty 180 days of interest. Automatic renewal at 12-month term. APY based on crediting of interest at maturity. Rates current as of 10/16/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDaily balance method | 3.50% | $350 |
Sources (2)
- inb.com/personal/other-persona…ices/interest-rate-chart
- inb.com/personal/retirement-an…rust/retirement-and-iras
All captured Oct 16, 2026
Premier IRA (Rising Rate Y)
2.12%APY · 1 term
Can be classified as Traditional or Roth IRA. Premier rates are available to Power Plus Checking customers. Penalty will be imposed for early withdrawal. Overall APY 2.12%. Rates current as of 9/17/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsFirst 12 months. Available to Power Plus Checking customers. Overall APY for full 48-month term is 2.12%. Penalty for early withdrawal | 2.12% | $875 |
| 48 monthsLast 12 months (months 37-48). Available to Power Plus Checking customers. Overall APY for full 48-month term is 2.12%. Penalty for early withdrawal | 2.12% | $875 |
| 48 monthsNext 12 months (months 13-24). Available to Power Plus Checking customers. Overall APY for full 48-month term is 2.12%. Penalty for early withdrawal | 2.12% | $875 |
| 48 monthsNext 12 months (months 25-36). Available to Power Plus Checking customers. Overall APY for full 48-month term is 2.12%. Penalty for early withdrawal | 2.12% | $875 |
Sources (2)
- inb.com/personal/other-persona…ices/interest-rate-chart
- inb.com/personal/retirement-an…rust/retirement-and-iras
All captured Sep 17, 2026
IRA (Rising Rate Z)
1.85%APY · 1 term
Can be classified as Traditional or Roth IRA. Penalty will be imposed for early withdrawal. Overall APY 1.85%. Rates current as of 9/17/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsFirst 12 months. Overall APY for full 48-month term is 1.85%. Penalty for early withdrawal | 1.85% | $761 |
| 48 monthsLast 12 months (months 37-48). Overall APY for full 48-month term is 1.85%. Penalty for early withdrawal | 1.85% | $761 |
| 48 monthsNext 12 months (months 13-24). Overall APY for full 48-month term is 1.85%. Penalty for early withdrawal | 1.85% | $761 |
| 48 monthsNext 12 months (months 25-36). Overall APY for full 48-month term is 1.85%. Penalty for early withdrawal | 1.85% | $761 |
Sources (2)
- inb.com/personal/other-persona…ices/interest-rate-chart
- inb.com/personal/retirement-an…rust/retirement-and-iras
All captured Sep 17, 2026
IRA CD
Up to 1.85%APY · 7 terms
Can be classified as Traditional or Roth IRA. Penalty will be imposed for early withdrawal. Rates current as of 10/6/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty will be imposed for early withdrawal | 0.65% | $32 |
| 12 monthsPenalty will be imposed for early withdrawal | 1.25% | $125 |
| 18 monthsPenalty will be imposed for early withdrawal | 1.35% | $203 |
| 24 monthsPenalty will be imposed for early withdrawal | 1.45% | $292 |
| 36 monthsPenalty will be imposed for early withdrawal | 1.55% | $472 |
| 48 monthsPenalty will be imposed for early withdrawal | 1.65% | $677 |
| 60 monthsPenalty will be imposed for early withdrawal | 1.85% | $960 |
Sources (2)
- inb.com/personal/other-persona…ices/interest-rate-chart
- inb.com/personal/retirement-an…rust/retirement-and-iras
All captured Oct 6, 2026
Premier IRA (Rising Rate C)
1.53%APY · 1 term
Can be classified as Traditional or Roth IRA. Premier rates are available to Power Plus Checking customers. Penalty will be imposed for early withdrawal. Overall APY 1.53%. Rates current as of 9/17/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsFirst 6 months. Available to Power Plus Checking customers. Overall APY for full 24-month term is 1.53%. Penalty for early withdrawal | 1.53% | $308 |
| 24 monthsLast 6 months (months 19-24). Available to Power Plus Checking customers. Overall APY for full 24-month term is 1.53%. Penalty for early withdrawal | 1.53% | $308 |
| 24 monthsNext 6 months (months 13-18). Available to Power Plus Checking customers. Overall APY for full 24-month term is 1.53%. Penalty for early withdrawal | 1.53% | $308 |
| 24 monthsNext 6 months (months 7-12). Available to Power Plus Checking customers. Overall APY for full 24-month term is 1.53%. Penalty for early withdrawal | 1.53% | $308 |
Sources (2)
- inb.com/personal/other-persona…ices/interest-rate-chart
- inb.com/personal/retirement-an…rust/retirement-and-iras
All captured Sep 17, 2026
IRA (Rising Rate G)
1.22%APY · 1 term
Can be classified as Traditional or Roth IRA. Penalty will be imposed for early withdrawal. APY based on crediting of interest at maturity or annually. Overall APY 1.22%. Rates current as of 9/17/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsFirst 6 months. Overall APY for full 24-month term is 1.22%. Penalty for early withdrawal | 1.22% | $245 |
| 24 monthsLast 6 months (months 19-24). Overall APY for full 24-month term is 1.22%. Penalty for early withdrawal | 1.22% | $245 |
| 24 monthsNext 6 months (months 13-18). Overall APY for full 24-month term is 1.22%. Penalty for early withdrawal | 1.22% | $245 |
| 24 monthsNext 6 months (months 7-12). Overall APY for full 24-month term is 1.22%. Penalty for early withdrawal | 1.22% | $245 |
Sources (2)
- inb.com/personal/other-persona…ices/interest-rate-chart
- inb.com/personal/retirement-an…rust/retirement-and-iras
All captured Sep 17, 2026
Money Market IRA
0.50%APY
Penalty will be imposed for early withdrawal. Rates current as of 10/16/2026.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMoney Market IRA.$50 and up | 0.50% | $50 | Money Market IRA. |
Sources (1)
- inb.com/personal/other-persona…ices/interest-rate-chart · captured Oct 16, 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.