INB Savings & Money Market Rates

How INB’s savings 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
3.45%APY
Requires
Monthly account activity
Minimum
$50
Earns on $10,000 a year
$345
Power Savings Account
2nd-highest rate
CEFCU
2.40%APY
Requires
None
Minimum
$2,500
Earns on $10,000 a year
$240
CEFCU rates
3rd-highest rate
Cooperative Choice Network Credit Union
2.32%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$232
Cooperative Choice Network Credit Union rates

Savings score

Higher than 56% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.20%
$10,000 balance$10,0000.30%
$100,000 balance$100,0000.40%
QualifiedQualified3.45%

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.

How the score works →

Where INB ranks

By savings score, in each area where it has branches

And 3 more areas →

Every rate

Current savings rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

Power Savings Account

Up to 3.45%APYRequirements apply$50 to open

Requires an active INB checking account. Variable APY as of 10/16/2026.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceTier 1 bonus rate requires an active INB checking account with at least one direct deposit of payroll, Social Security, retirement, or disability income per statement cycle.Any balance	3.45%	$345	Tier 1 bonus rate requires an active INB checking account with at least one direct deposit of payroll, Social Security, retirement, or disability income per statement cycle.
Any balanceTier 2 basic rate automatically applies if direct deposit requirement into active INB checking account is not met monthly. Rate adjusts automatically in next cycle once qualified again.Any balance	0.43%	$43	Tier 2 basic rate automatically applies if direct deposit requirement into active INB checking account is not met monthly. Rate adjusts automatically in next cycle once qualified again.

Sources (1)

inb.com/personal/checking-savi…s-accounts/power-savings · captured Oct 16, 2026

Premier Money Market Savings

0.60%APYRequirements apply

Rates are available to Power Plus Checking customers.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000Available to Power Plus Checking customers.	0.20%	—	Available to Power Plus Checking customers.
$1,000 – $10,000Available to Power Plus Checking customers.	0.40%	—	Available to Power Plus Checking customers.
$10,000 – $50,000Available to Power Plus Checking customers.	0.60%	$60	Available to Power Plus Checking customers.
$50,000 – $250,000Available to Power Plus Checking customers.	0.80%	—	Available to Power Plus Checking customers.
$250,000 and upAvailable to Power Plus Checking customers.	1.00%	—	Available to Power Plus Checking customers.

Sources (1)

inb.com/personal/other-persona…ices/interest-rate-chart · captured Oct 16, 2026

Money Market Savings

0.30%APY

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $1,000	0.20%	—
$1,000 – $10,000	0.20%	—
$10,000 – $50,000	0.30%	$30
$50,000 – $250,000	0.40%	—
$250,000 and up	0.50%	—

Sources (1)

inb.com/personal/other-persona…ices/interest-rate-chart · captured Oct 16, 2026

Money Market Savings Account

0.30%APY$1,000 to open

$8 monthly maintenance fee waived with $2,500 minimum daily balance. Rates vary by daily balance tier.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000Daily balances up to $999.99 earn 0.20% APY.	0.20%	—	Daily balances up to $999.99 earn 0.20% APY.
$1,000 – $10,000Daily balances from $1,000.00 to $9,999.99 earn 0.20% APY.	0.20%	—	Daily balances from $1,000.00 to $9,999.99 earn 0.20% APY.
$10,000 – $50,000Daily balances from $10,000.00 to $49,999.99 earn 0.30% APY.	0.30%	$30	Daily balances from $10,000.00 to $49,999.99 earn 0.30% APY.
$50,000 – $250,000Daily balances from $50,000.00 to $249,999.99 earn 0.40% APY.	0.40%	—	Daily balances from $50,000.00 to $249,999.99 earn 0.40% APY.
$250,000 and upDaily balances of $250,000.00 and up earn 0.50% APY.	0.50%	—	Daily balances of $250,000.00 and up earn 0.50% APY.

Sources (2)

All captured Oct 16, 2026

Maximizer Savings Account

0.20%APY$50,000 to open

$10 monthly maintenance fee can be waived by maintaining a minimum daily balance of $10,000. $10 fee charged for each withdrawal or transfer in excess of 3 each month. Must be 18 years old or older to apply.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000$10 monthly maintenance fee waived with $10,000 minimum daily balance. Excess withdrawal fee of $10 for over 3 withdrawals per month.	0.20%	$20	$10 monthly maintenance fee waived with $10,000 minimum daily balance. Excess withdrawal fee of $10 for over 3 withdrawals per month.
$50,000 – $250,000$10 monthly maintenance fee waived with $10,000 minimum daily balance. Excess withdrawal fee of $10 for over 3 withdrawals per month.	0.30%	—	$10 monthly maintenance fee waived with $10,000 minimum daily balance. Excess withdrawal fee of $10 for over 3 withdrawals per month.
$250,000 and up$10 monthly maintenance fee waived with $10,000 minimum daily balance. Excess withdrawal fee of $10 for over 3 withdrawals per month.	0.40%	—	$10 monthly maintenance fee waived with $10,000 minimum daily balance. Excess withdrawal fee of $10 for over 3 withdrawals per month.

Sources (2)

All captured Oct 16, 2026

Regular Savings Account

0.20%APY$50 to open

$2 monthly maintenance fee can be waived by maintaining a $200 minimum daily balance.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and up$2 monthly maintenance fee waived by maintaining $200 minimum daily balance.$50 and up	0.20%	$20	$2 monthly maintenance fee waived by maintaining $200 minimum daily balance.

Sources (2)

All captured Oct 16, 2026

You Name It Savings Account

0.20%APY$50 to open

If you make more than two withdrawals (including transfers) in a month, you'll be charged a $10 withdrawal fee. Optional Pocket Change round-up matching available for first 90 days up to $100.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and up$10 fee for more than two withdrawals or transfers per month.$50 and up	0.20%	$20	$10 fee for more than two withdrawals or transfers per month.

Sources (2)

All captured Oct 16, 2026

Special-purpose accounts

Structured Savings IRA

3.85%APYIRARequirements apply$50 to open

To be eligible, must make monthly automatic contributions from an INB account in the amount of $5.00 or more.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $5,000Requires monthly automatic contributions from an INB account of $5.00 or more.	3.33%	—	Requires monthly automatic contributions from an INB account of $5.00 or more.
$5,000 – $100,000Requires monthly automatic contributions from an INB account of $5.00 or more.	3.85%	$385	Requires monthly automatic contributions from an INB account of $5.00 or more.

Sources (2)

All captured Oct 16, 2026

Money Market IRA

0.50%APYIRA$50 to open

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.50%	$50

Sources (1)

inb.com/personal/other-persona…ices/interest-rate-chart · captured Oct 16, 2026

Health Savings Account

0.40%APYHSA

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $5,000No minimum opening or ongoing balance requirements. No monthly service charge.	0.20%	—	No minimum opening or ongoing balance requirements. No monthly service charge.
$5,000 and upNo minimum opening or ongoing balance requirements. No monthly service charge.	0.40%	$40	No minimum opening or ongoing balance requirements. No monthly service charge.

Sources (1)

inb.com/personal/other-persona…ices/interest-rate-chart · captured Oct 16, 2026

Youth Savings Account

0.20%APYKids and teens$10 to open

Account holder must be under the age of 18. $2 monthly maintenance fee can be waived by maintaining a $10 minimum daily balance.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balance$2 monthly maintenance fee waived with $10 minimum daily balance. Account holder must be under 18.Any balance	0.20%	$20	$2 monthly maintenance fee waived with $10 minimum daily balance. Account holder must be under 18.

Sources (2)

All 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.

Visit institution website ↗Branches and institution details

← INB overview

How INB’s savings rates compare

INB savings score

Current savings rates

Power Savings Account

Premier Money Market Savings

Money Market Savings

Money Market Savings Account

Maximizer Savings Account

Regular Savings Account

You Name It Savings Account

Special-purpose accounts

Structured Savings IRA

Money Market IRA

Health Savings Account

Youth Savings Account

Opening an account