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INB


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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 30th largest bank in the state of Illinois. It is also the 517th largest bank in the nation. It was established in 1905 and as of March of 2025, it had grown to 302 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
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #3664
Year Established1905
Employees302
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.12%
Return on Equity - YTD12.23%
Annual Interest Income$32MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.39B$2.15B
LoansQ1 2025vs Q1 2024$1.96B$1.79B
DepositsQ1 2025vs Q1 2024$2.15B$1.94B
Equity CapitalQ1 2025vs Q1 2024$224.7MM$199.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$19.7MM$19.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$9MM$14.5MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

INB Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$5k*-Power Plus Checking
OTHER TIERS: 0.15% → $2.5k - $5k
0.15%$0-Premier Business Checking

INB CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-12 Month IRA Special
3.78%*$5k*$100kStructured 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



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