CDs (Certificate of Deposit)

Unlike music CDs – your CD earnings never get old!

open an account

Your award-winning CD account awaits

Earn more with competitive rates. Open a high-yield FDIC-insured Certificate of Deposit (CD) with as little as $1,000 and enjoy predictable returns, fixed rates and best of all, no monthly maintenance fees.  That’s a deal we’d listen to anytime.

Term Interest Rate Annual Percentage Yield (APY) Early Withdrawal Penalties
3 Months
open an account
4.05% 4.14% 90 days interest
6 Months
open an account
5.00% 5.13% 180 days interest
12 Months
open an account
5.12% 5.26% 180 days interest
18 Months
open an account
4.86% 4.98% 180 days interest
24 Months
open an account
4.65% 4.76% 360 days interest
36 Months
open an account
4.50% 4.61% 360 days interest
48 Months
open an account
4.35% 4.45% 360 days interest
60 Months
open an account
4.40% 4.50% 360 days interest

Open with as little as $1,000. Rates last updated 5/7/2024. Rates above apply to all balance levels and are subject to change on any day and will be updated by 10 AM Eastern. Please be sure to check this page after 10 AM Eastern for the rate that will be honored today. Interest is compounded and credited monthly. APYs assume interest remains on deposit until maturity. A withdrawal may reduce earnings. First Internet Bank does not issue monthly or annual statements for CD accounts. You have the option to use our online banking or mobile banking systems to get information about your CD. For additional information, visit our Disclosures page.


We would love to chat. Get in touch however you feel most comfortable.

Looking for more ways to save big?

Earn interest at several times the national average with select savings accounts or streamline your financial life with a convenient, interest-bearing checking account.


checking icon white