What are the current interest rates at First Internet Bank of Indiana?

Current rates for First Internet Bank of Indiana include: 12-Month CD: 3.67%, 18-Month CD: 3.38%, 24-Month CD: 3.30%, 36-Month CD: 3.30%, 48-Month CD: 3.45%, 60-Month CD: 3.45%, Savings: 2.94%, MMA: 0.50%

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First Internet Bank of Indiana Rates & Review September 2026

Item: First Internet Bank of Indiana
Rating: 4
Author: Doug

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 9, 2026

First Internet Bank of Indiana's 6-month CD rates are at 3.76%, Business 6-month CD rates are at 3.76%, 12-month CD rates are at 3.67%, Business 12-month CD rates are at 3.67%, 48-month CD rates are at 3.45%. First Internet Bank of Indiana's savings rates are at 2.94%. First Internet Bank of Indiana's money market rates are at 0.50%. MonitorBankRates evaluates the financial stability of First Internet Bank of Indiana with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.76%. Rates last updated and verified on 09/09/2026.

First Internet Bank of Indiana money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Internet Bank of Indiana? Share your experience about First Internet Bank of Indiana by leaving a review below, or read customer reviews before you decide to use First Internet Bank of Indiana.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.76%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

First Internet Bank of Indiana

8701 E 116th St
Fishers, IN 46038

https://www.firstib.com

First Internet Bank of Indiana CD Rates

Product	Rate	APY	Term
6-month CD	3.70%	3.76%	6-month
Details Early Withdrawal Penalties: 180 days interest Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
Business 6-month CD	3.70%	3.76%	6-month
Details Early Withdrawal Penalties: 180 days interest Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
12-month CD	3.61%	3.67%	12-month
Details Early Withdrawal Penalties: 180 days interest Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
Business 12-month CD	3.61%	3.67%	12-month
Details Early Withdrawal Penalties: 180 days interest Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
48-month CD	3.40%	3.45%	48-month
Details Early Withdrawal Penalties: 360 days interest Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
60-month CD	3.40%	3.45%	60-month
Details Early Withdrawal Penalties: 360 days interest Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
Business 48-month CD	3.40%	3.45%	48-month
Details Early Withdrawal Penalties: 360 days interest Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
Business 60-month CD	3.40%	3.45%	60-month
Details Early Withdrawal Penalties: 360 days interest Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
18-month CD	3.33%	3.38%	18-month
Details Early Withdrawal Penalties: 180 days interest Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
Business 18-month CD	3.33%	3.38%	18-month
Details Early Withdrawal Penalties: 180 days interest Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
24-month CD	3.25%	3.30%	24-month
Details Early Withdrawal Penalties: 360 days interest Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
36-month CD	3.25%	3.30%	36-month
Details Early Withdrawal Penalties: 360 days interest Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
Business 24-month CD	3.25%	3.30%	24-month
Details Early Withdrawal Penalties: 360 days interest Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
Business 36-month CD	3.25%	3.30%	36-month
Details Early Withdrawal Penalties: 360 days interest Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
3-month CD	3.10%	3.14%	3-month
Details Early Withdrawal Penalties: 90 days interest Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
Business 3-month CD	3.10%	3.14%	3-month
Details Early Withdrawal Penalties: 90 days interest Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%

First Internet Bank of Indiana Savings Rates

Product	Rate	APY
Money Market Savings	3.58%	3.64%
Min Deposit $100 Min Balance $5,000,000 Details Daily balance above $5,000,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
Money Market Savings	3.05%	3.09%
Min Deposit $100 Min Balance $4,000 Details Daily balance of $1,000,000 or less Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
Money Market Savings	2.90%	2.94%
Min Deposit $100 Min Balance $4,000 Details Daily balance of $5,000,000 or below Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
Regular Savings	0.90%	0.90%
Min Deposit $100 Min Balance $1,000 Details Monthly maintenance fee: $2; ATM card: For sole proprietors only Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
Free Savings	0.80%	0.80%
Min Deposit $25 Details ATM surcharge rebate Up to $10 per month Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
Tomorrow's Tycoons Market Savings	0.80%	0.80%
Min Deposit $100 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%

First Internet Bank of Indiana Money Market Rates

Product	Rate	APY
Money Market Savings	3.58%	3.64%
Min Deposit $100 Min Balance $5,000,000 Details Daily balance above $5,000,000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
Money Market Savings	3.05%	3.09%
Min Deposit $100 Min Balance $4,000 Details Daily balance of $1,000,000 or less Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
Personal Money Market	-	3.09%
Min Deposit $100 Min Balance $4,000 Details Supercharge your piggy bank. More interest means more savings - it's just that simple with our FDIC-insured, high-interest Money Market accounts. Earn nearly 5 x the national average. Apply online in minutes Learn More Open Today Deposits are FDIC insured up to $250,000 per depositor for each account ownership category. To learn more, visit www.fdic.gov . **As of 8/17/2026 , the national average Annual Percentage Yield (APY) for Money Market Savings accounts is 0.63 %, as published in the FDIC's Weekly National Rates and Rate Caps; average rate used is for deposits up to $100,000. The Daily Balance method is used to calculate interest. For additional information, visit our Disclosures page . Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
Money Market Savings	2.90%	2.94%
Min Deposit $100 Min Balance $4,000 Details Daily balance of $5,000,000 or below Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
Personal Money Market	-	0.50%
Min Balance $10,000 Details Earn 0.50% APY with an average daily balance of $10,000. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%

First Internet Bank of Indiana Checking Rates

Product	Rate	APY
Do More BusinessTM Checking	-	0.50%
Min Balance $10,000 Details Fees may reduce earnings on account, you must maintain an average daily balance of $10,000 to earn interest for a Do More Business Checking Account. The Daily Balance method is used to calculate interest. Terms and conditions apply. Dollar amount restrictions may apply. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
Interest Checking	0.50%	0.50%
Min Deposit $100 Min Balance $500 Details ATM surcharge rebate Up to $10 per month Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First Internet Bank of Indiana’s Texas Ratio rose from 1.39% in Q3 2023 to 14.76% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A-. Lower Texas Ratios are healthier; the amber line marks the 15% level a bank must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$5.5B	14.76%	5.0	A-
March 31, 2026	$5.7B	14.78%	5.0	A-
December 31, 2025	$5.5B	14.35%	5.0	A-
September 30, 2025	$5.6B	13.11%	5.0	A
June 30, 2025	$6.0B	9.84%	5.0	A
March 31, 2025	$5.8B	7.77%	5.0	A
December 31, 2024	$5.7B	6.26%	5.0	A
September 30, 2024	$5.8B	4.93%	5.0	A+
June 30, 2024	$5.3B	2.89%	5.0	A+
March 31, 2024	$5.3B	3.01%	5.0	A+
December 31, 2023	$5.2B	2.33%	5.0	A+
September 30, 2023	$5.2B	1.39%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Internet Bank of Indiana is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Internet Bank of Indiana rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Internet Bank of Indiana's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Internet Bank of Indiana

Bank Holding Company FIRST INTERNET BCORP

Address 8701 E 116th St, Fishers, IN 46038 · Hamilton

Website https://www.firstib.com

FDIC Certificate # 34607

Established 19981228

FDIC Insurance Date 19981228

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

14.76%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3174%

Return on Equity (ROE) 4.1200%

Non-Performing Loans (NPL) 1.09%

Total Assets $5,526,397,000

Total Deposits $4,837,281,000

Equity Capital $434,997,000

Net Income $8,866,000

Headquarters Fishers

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Internet Bank of Indiana earned the Verified Healthy badge

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Customer Reviews

Jill

☆☆☆☆☆

May 5, 2026

I agree with you, I got a good lowish rate on a mortgage but I can't seem to get a statement from the loan portal

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Doug

★★★★☆

May 5, 2026

I have a 1st and 2nd mortgage through First Internet Bank of Indiana, I like the rates but their new loan portal isn't that great.

Member

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Average Rating

★★☆☆☆

Total Reviews

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Frequently Asked Questions About First Internet Bank of Indiana

How many branches does First Internet Bank of Indiana operate?

First Internet Bank of Indiana currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Internet Bank of Indiana does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Internet Bank of Indiana provides members with tools to manage their accounts and build a solid financial history.

Does First Internet Bank of Indiana offer online and mobile banking?

Most modern institutions like First Internet Bank of Indiana provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstib.com.