Interest Rate Chart

This rate chart contains information about interest rates and annual percentage yields for some INB accounts.

Checking Accounts

Power Plus Checking^b

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! Savings^b

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 Savings^b

Minimum Balance to Obtain Annual Percentage Yield: $50

Interest Rate	Annual Percentage Yield
0.10%	0.20%

Money Market Savings^b

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 Savings^bc

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 (6 Month Special)^ad

Minimum Opening Deposit	Minimum Balance to Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield
$1,000.00	$1,000.00	4.15%	4.19%

CD (6 Month Special)^adf

Minimum Opening Deposit	Minimum Balance to Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield
$1,000.00	$1,000.00	4.30%	4.35%

CD (12 Month Special)^ad

Minimum Opening Deposit	Minimum Balance to Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield
$1,000.00	$1,000.00	4.15%	4.15%

CD (12 Month Special)^adf

Minimum Opening Deposit	Minimum Balance to Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield
$1,000.00	$1,000.00	4.30%	4.30%

CD (Rising Rate G)^a

Minimum Opening Deposit: $1,000
Minimum Balance to Obtain Annual Percentage Yield: $1,000^c
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: $1,000^c
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: $1,000^c
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: $1,000^c
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: $1,000^c

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: $1,000^c

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: $1,000^c

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: $1,000^c

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: $1,000^c

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
4.30%	4.30%

Money Market IRA^b

Minimum Opening Deposit: $50

Interest Rate	Annual Percentage Yield
0.50%	0.50%

Structured Savings IRA^b

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: $1,000^c
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: $1,000^c
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: $1,000^c
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: $1,000^c
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%

IRA^a

Minimum Opening Deposit: $1,000
Minimum Balance to Obtain Annual Percentage Yield: $1,000^c

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%

^{a) A penalty will be imposed for early withdrawal.}

^{b) The interest rate and annual percentage yield may change after account opening.}

^{c) Premier CD and Money Market Savings rates are available to Power Plus Checking customers.}

^{d) APY is based on crediting of interest at maturity or annually if CD term is equal to or greater than a year.}

^{e) Health Savings Account-Bundle Rate is available to INB Wealth Clients.}

^{f) Rate is available to customers with an INB loan or INB checking account with a recurring monthly direct deposit.}

Fees could reduce earnings on the account. Interest Rates and Annual Percentage Yield are current as of 9/19/2024.

For current rate information call (217)747-5500.

Member FDIC.

Interest Rate Chart

Checking Accounts

Power Plus Checkingb

Maximizer Account

Savings Accounts

You Name It! Savingsb

Regular Savingsb

Money Market Savingsb

Premier Money Market Savingsbc

Youth/Minor Savings

Health Savings Accounts (Interest-Bearing Checking)

Premier Business Checking

Business Savings

Business Money Market Savings

CDs

CDs (Certificates of Deposit)

CD (6 Month Special)ad

CD (6 Month Special)adf

CD (12 Month Special)ad

CD (12 Month Special)adf

CD (Rising Rate G)a

Premier CD (Rising Rate C)ac

CD (Rising Rate Z)a

Premier CD (Rising Rate Y)ac

CD (Less than 12 Mos)a

CD (1 year)a

CD (2 year)a

CD (42 Mos)a

CD (5 year)a

IRAs

IRAs (Individual Retirement Accounts)

IRA (12 Month Special)ad

Money Market IRAb

Structured Savings IRAb

IRA (Rising Rate G)ad

Premier IRA (Rising Rate C)ac

IRA (Rising Rate Z)a

Premier IRA (Rising Rate Y)ac

IRAa

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