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Insite National Bank

Current Rates

CD Rates

Rates Effective November 12, 2024
The Deposit Rates are updated on this website as soon as rates are changed at the Bank.

CD Term Minimum Deposit Interest Rate APY*
3 Month (91-181 Days) $500 0.50 * 0.50 *
5 Month SPECIAL >$20,000 4.50 * 4.50 *
5 Month SPECIAL $10,000 - $19,999 4.00 * 4.00 *
5 Month < $10,000 2.00 * 2.01 *
6 Month (182 Days) $500 0.50 * 0.50 *
11 Month < $10,000 2.00 * 2.01 *
11 Month SPECIAL $10,000 4.25 * 4.25 *
12 Month $1,000 1.00 * 1.00 *
15 Month < $10,000 2.00 * 2.01 *
15 Month SPECIAL $10,000 3.75 * 3.80 *
18 Month $1,000 0.75 * 0.75 *
24 Month $500 0.75 * 0.75 *
30 Month $500 0.85 * 0.85 *
33 Month < $5,000 2.00 * 2.01 *
33 Month SPECIAL $5,000 3.50 * 3.55 *
36 Month $500 1.00 * 1.00 *
42 Month Step-Up* $500 2.50 * 2.51 *
48 Month $500 2.50 * 2.51 *
60 Month $500 2.50 * 2.51 *

*Annual Percentage Yield

**"Step-Up" CDs allow you the opportunity to select a higher rate once during the term of the CD.

  • Interest will be calculated on a 365 day basis.
  • A penalty will be imposed for early withdrawal of time certificate funds.
  • IRA accounts earn .25% higher than the stated CD APY on all terms listed, with the exception of specials.
  • An IRA fee of $25.00 will be charged for account transfers to another institution and on premature distributions.
  • Early Withdrawal Penalties:
    • CD's with term of one year or less = 91 days interest
    • CD's with term over one year = 182 days interest
  • Monthly Interest Payments are available on CD's over $10,000.00 (with the exception of the specials).
  • All new special CD issues must meet the required minimum.
  • Existing CDs with a balance of less than the required minimum will be allowed to renew at the special rate.

Visit Sherri Van Gorp at Citizens State Bank for more CD information!

Account Rates

Rates Effective January 22, 2024

Average Daily Balance Requirement Interest Rate APY*
Super Savings Account < $1,500 0.05 0.05
Super Savings Account > $1,500 0.10 0.10
Now Checking Account $0 - $24,999 0.05 0.05
Now Checking Account $25,000 - $99,999 0.05 0.05
Now Checking Account > $100,000 0.05 0.05
Ultra Money Market Savings Account < $10,000 0.10 0.10
Ultra Money Market Savings Account $10,000 - $49,999 0.25 0.25
Ultra Money Market Savings Account $50,000 - $99,999 0.50 0.50
Ultra Money Market Savings Account > $100,000 1.00 1.00
Health Savings Account & Retirement Savings Account < $10,000 0.10 0.10
Health Savings Account & Retirement Savings Account $10,000 - $49,999 0.50 0.50
Health Savings Account & Retirement Savings Account > $50,000 1.00 1.00

*Annual Percentage Yield.

Rates may vary after account opening. Fees may reduce earnings.

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