Savings Accounts
Grow your savings with confidence.
Banking products and services are provided solely by First Internet Bank, Member FDIC. Life of And participates as a paid partner and promotional collaborator, and does not itself offer underwrite, or guarantee any banking products or services.
Chasing big financial goals while juggling everything else?
What if your savings could work with you — helping you create more margin, more calm, and more possibility in your life? As a digital‑first bank, we deliver rates above the national average*, giving your money the momentum it needs. You can apply online in minutes, freeing up your time for the things that actually matter. And as an FDIC‑insured** institution, you’ll never have to wonder whether your money is safe tomorrow.
At First Internet Bank, in partnership with Tiffany Sauder’s Life of And message, we believe in making what once felt impossible…possible.
Rates last updated 12/11/2025. Rates are subject to change on any day and will be updated by 10:00 AM EST. Please be sure to check this page after 10:00 AM EST for the rate that will be honored today. Fees may reduce earnings on account. Interest is calculated using the daily balance method and compounds monthly. There is no balance requirement to obtain the annual percentage yield disclosed. For additional information, visit our Disclosures page.
*As of 2/17/2026, the national average annual percentage yield (APY) for Money Market Savings accounts is 0.56%, as published in the FDIC’s Weekly National Rates and Rate Caps; average rate used is for deposits up to $1,000,000. The minimum average daily balance to avoid a fee for a Money Market Savings account is $4,000. Rates are subject to change. Fees may reduce earnings on the account. Interest earned assumes entire amount remains on deposit.
**Deposits are FDIC insured up to $250,000 per depositor for each account ownership category. To learn more, visit www.fdic.gov.
Money Market Savings
An award-winning* account, brought to you by an industry-revolutionizing bank.
Open Account| Open with as little as | $100 |
| Annual Percentage Yield 3.09% with a daily balance of $1,000,000 or less 3.64% with a daily balance above $1,000,000 | 3.09% 3.64% |
| Interest rate 3.05% with a daily balance of $1,000,000 or less 3.58% with a daily balance above $1,000,000 | 3.05% 3.58% |
| Monthly maintenance fee | $5 |
| Average daily balance to avoid fee | $4,000 |
| ATM surcharge rebate Up to $10 per month | YES |
*As recognized by Go Banking Rates 2026
5X the national average*.
5X the possibilities.
Your First Internet Bank Money Market Savings account will earn you 3.09% APY for account balances under $1,000,000. That means your earnings, and your dreams, can really multiply.
Open Account*As of 2/17/2026, the national average annual percentage yield (APY) for Money Market Savings accounts is 0.56%, as published in the FDIC’s Weekly National Rates and Rate Caps; average rate used is for deposits up to $1,000,000. The minimum average daily balance to avoid a fee for a Money Market Savings account is $4,000. Rates are subject to change. Fees may reduce earnings on the account. Interest earned assumes entire amount remains on deposit.
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