INB

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.inb.com

217-747-5500

322 East Capitol Ave.
Springfield, IL 62701

INB is headquartered in SPRINGFIELD and is the 30^th largest bank in the state of Illinois. It is also the 508^th largest bank in the nation. It was established in 1905 and as of December of 2024, it had grown to 295 employees at 13 locations. INB's CD rates are 50% higher than the national average, and it has an A health rating.

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Health

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	3664
Year Established	1905
Employees	295
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.84%
Return on Equity - YTD	9.27%
Annual Interest Income	$122MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$2.41B$2.17B
Loans	Q4 2024vs Q4 2023	$1.94B$1.76B
Deposits	Q4 2024vs Q4 2023	$2.18B$1.96B
Equity Capital	Q4 2024vs Q4 2023	$216.8MM$195.5MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$18.7MM$17.7MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$7.7MM$3.7MM
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

INB Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%^*	$250k^*	-	Maximizer Account
OTHER TIERS: 0.20% → $0 - $50k \| 0.30% → $50k - $250k
0.40%^*	$5k^*	-	Health Savings Accounts
OTHER TIERS: 0.20% → $0 - $5k
0.20%	$50	-	You Name It! Savings
0.20%	$50	-	Regular Savings
0.20%	$0	-	Minor Savings
0.20%	$0	-	Business Savings

INB Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$250k^*	-	Premier Money Market Savings
OTHER TIERS: 0.20% → $0 - $1k \| 0.40% → $1k - $10k \| 0.60% → $10k - $50k \| 0.80% → $50k - $250k
0.50%^*	$250k^*	-	Business Money Market Savings
OTHER TIERS: 0.20% → $0 - $10k \| 0.40% → $10k - $250k
0.50%^*	$250k^*	-	Money Market Savings
OTHER TIERS: 0.20% → $0 - $10k \| 0.30% → $10k - $50k \| 0.40% → $50k - $250k
0.50%	$0	-	Money Market IRA

INB Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%^*	$5k^*	-	Power Plus Checking
OTHER TIERS: 0.15% → $2.5k - $5k
0.15%	$0	-	Premier Business Checking

INB CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.20%	$1k	-	6 Month CD Special w/ Checking
4.04%	$1k	-	6 Month CD Special
2.12%	$1k	-	48 Month Risinig Rate Premier CD
1.95%^*	$100k^*	-	5 Year CD
OTHER TIERS: 1.85% → $1k - $100k
1.85%	$1k	-	48 Month Risinig Rate CD
1.75%^*	$100k^*	-	42 Month CD
OTHER TIERS: 1.65% → $1k - $100k
1.55%^*	$100k^*	-	2 Year CD
OTHER TIERS: 1.45% → $1k - $100k
1.53%	$1k	-	24 Month Rising Rate Premier CD
1.35%^*	$100k^*	-	1 Year CD
OTHER TIERS: 1.25% → $1k - $100k
1.22%	$1k	-	24 Month Rising Rate CD
0.75%^*	$100k^*	-	6 Month CD
OTHER TIERS: 0.65% → $1k - $100k

INB IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$1k	-	12 Month IRA Special
3.78%^*	$5k^*	$100k	Structured Savings IRA
OTHER TIERS: 3.27% → $0 - $5k
2.12%	$1k	-	48 Month Risinig Rate Premier IRA
1.85%	$1k	-	5 Year IRA
1.85%	$1k	-	48 Month Risinig Rate IRA
1.65%	$1k	-	4 Year IRA
1.55%	$1k	-	3 Year IRA
1.53%	$1k	-	24 Month Rising Rate Premier IRA
1.45%	$1k	-	2 Year IRA
1.35%	$1k	-	18 Month IRA
1.25%	$1k	-	1 Year IRA
1.22%	$1k	-	24 Month Rising Rate IRA
0.65%	$1k	-	6 Month IRA

Locations

Availability

Champaign Area

Champaign Area bank & credit union details

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