First Internet Bank CD Rates — October 2026
As of October 22, 2026, First Internet Bank's highest tracked CD rate is 4.00% APY on a 12-month CD ($1,000 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.40% to 4.00% APY.
Tracking began .
First Internet Bank CD rates
Online bank. CDs from 3 to 60 months, opened online; early withdrawal penalties range from 90 to 360 days of interest by term.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Personal CD | $1,000 | 3.40% | −0.90% | Top 30% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | Personal CD | $1,000 | 3.60% | −0.80% | Top 41% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | Personal CD | $1,000 | 4.00% | −0.57% | Top 28% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Personal CD | $1,000 | 4.00% | −0.72% | Top 30% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Personal CD | $1,000 | 4.00% | −0.87% | Top 26% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Personal CD | $1,000 | 4.00% | −0.95% | Top 22% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Personal CD | $1,000 | 4.00% | −0.98% | Top 18% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Personal CD | $1,000 | 4.00% | −1.01% | Top 23% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are First Internet Bank's best CD rates by term?
First Internet Bank's best rate is 4.00% APY on 12 months, verified October 22, 2026.
- 3 mo3.40%
- 6 mo3.60%
- 12 mo4.00%
- 18 mo4.00%
- 24 mo4.00%
- 36 mo4.00%
- 48 mo4.00%
- 60 mo4.00%
How much interest could a First Internet Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$400.00 interest · $10,400.00 at maturity on $10,000.00.
4.00% APY · 12 months · Personal CD · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $41.853.40% APY · Personal CD · Standard | $83.713.40% APY · Personal CD · Standard | $209.273.40% APY · Personal CD · Standard | $418.533.40% APY · Personal CD · Standard |
| 6 months | $89.453.60% APY · Personal CD · Standard | $178.903.60% APY · Personal CD · Standard | $447.253.60% APY · Personal CD · Standard | $894.513.60% APY · Personal CD · Standard |
| 12 months | $200.004.00% APY · Personal CD · Standard | $400.004.00% APY · Personal CD · Standard | $1,000.004.00% APY · Personal CD · Standard | $2,000.004.00% APY · Personal CD · Standard |
| 18 months | $303.274.00% APY · Personal CD · Standard | $606.534.00% APY · Personal CD · Standard | $1,516.334.00% APY · Personal CD · Standard | $3,032.654.00% APY · Personal CD · Standard |
| 24 months | $408.004.00% APY · Personal CD · Standard | $816.004.00% APY · Personal CD · Standard | $2,040.004.00% APY · Personal CD · Standard | $4,080.004.00% APY · Personal CD · Standard |
| 36 months | $624.324.00% APY · Personal CD · Standard | $1,248.644.00% APY · Personal CD · Standard | $3,121.604.00% APY · Personal CD · Standard | $6,243.204.00% APY · Personal CD · Standard |
| 48 months | $849.294.00% APY · Personal CD · Standard | $1,698.594.00% APY · Personal CD · Standard | $4,246.464.00% APY · Personal CD · Standard | $8,492.934.00% APY · Personal CD · Standard |
| 60 months | $1,083.264.00% APY · Personal CD · Standard | $2,166.534.00% APY · Personal CD · Standard | $5,416.324.00% APY · Personal CD · Standard | $10,832.654.00% APY · Personal CD · Standard |
How First Internet Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 77 of 342 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| First Internet Bank (this institution)Personal CD · Standard | 12 months | $1,000 | Available nationwide | 4.00% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| TVA Credit Union12 Month Certificate Account · Promotional | 12 months | $2,500 | Membership required · branches in TN | 5.00% | October 22, 2026 |
| Tower Federal Credit UnionRegular Share Certificate · Standard | 12 months | $500 | Membership required · branches in MD | 4.95% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking First Internet Bank on October 22, 2026.
About First Internet Bank
- Legal name
- First Internet Bank of Indiana
- Regulator ID
- FDIC 34607
- Headquarters
- Fishers, IN
- Available in
- All states (online)
- Total assets
- $5.5 billion
- Also known as
- First Internet Bank of Indiana
- Website
- www.firstib.com
Source: rates read from https://www.firstib.com/personal/cds/. See the page text we read.
Frequently asked questions
What is the highest CD rate at First Internet Bank?
Among the rates we track, 4.00% APY on a 12-month CD, as of October 22, 2026.
What is the minimum deposit for a First Internet Bank CD?
The lowest minimum we found is $1,000.
How does First Internet Bank's best CD rate compare with Treasury yields?
4.00% APY is −0.57% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are First Internet Bank CDs insured?
First Internet Bank is an FDIC-insured bank (FDIC 34607). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check First Internet Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from First Internet Bank's website and may change at any time. Confirm terms, minimums and eligibility with First Internet Bank before opening an account. This page is not financial advice.