# First Internet Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/first-internet-bank
Institution: First Internet Bank of Indiana (FDIC 34607)
Aliases: First Internet Bank of Indiana
Status: live
Last verified: 2026-10-23T01:40:27.000Z (October 22, 2026)
Official source: https://www.firstib.com/personal/cds/
Coverage: Online bank. CDs from 3 to 60 months, opened online; early withdrawal penalties range from 90 to 360 days of interest by term.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Personal CD | standard | 3 months | $1,000 | 3.40% | Not ZIP-priced | −0.90% | 2026-10-23T01:40:27.000Z | [Snapshot 581](https://apyledger.com/snapshots/581) |
| Personal CD | standard | 6 months | $1,000 | 3.60% | Not ZIP-priced | −0.80% | 2026-10-23T01:40:27.000Z | [Snapshot 581](https://apyledger.com/snapshots/581) |
| Personal CD | standard | 12 months | $1,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-23T01:40:27.000Z | [Snapshot 581](https://apyledger.com/snapshots/581) |
| Personal CD | standard | 18 months | $1,000 | 4.00% | Not ZIP-priced | −0.72% | 2026-10-23T01:40:27.000Z | [Snapshot 581](https://apyledger.com/snapshots/581) |
| Personal CD | standard | 24 months | $1,000 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-23T01:40:27.000Z | [Snapshot 581](https://apyledger.com/snapshots/581) |
| Personal CD | standard | 36 months | $1,000 | 4.00% | Not ZIP-priced | −0.95% | 2026-10-23T01:40:27.000Z | [Snapshot 581](https://apyledger.com/snapshots/581) |
| Personal CD | standard | 48 months | $1,000 | 4.00% | Not ZIP-priced | −0.98% | 2026-10-23T01:40:27.000Z | [Snapshot 581](https://apyledger.com/snapshots/581) |
| Personal CD | standard | 60 months | $1,000 | 4.00% | Not ZIP-priced | −1.01% | 2026-10-23T01:40:27.000Z | [Snapshot 581](https://apyledger.com/snapshots/581) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.