Certificates of Deposit (CDs)
Great yields, regardless of market fluctuations.
First Internet Bank Certificate of Deposit rates.
Earn more with competitive Annual Percentage Yields (APY) and terms from 3-60 months. Open your CD with as little as $1,000, then sit back and watch your earnings grow — with no monthly maintenance fees. It’s little wonder that, year after year, we’re ranked among the nation’s best!
Compare RatesAward-winning CD account benefits.
Guaranteed returns
Rates are fixed for the term of your CD, terms from 3 to 60 months.
Competitive rates
An APY most traditional savings accounts can’t match. Best of all, you can choose the term that works for you.
FDIC-insured
FDIC protection ensures that your funds are safe as they grow.*
*Deposits are FDIC insured up to $250,000 per depositor for each account ownership category. To learn more, visit www.fdic.gov.
Personal CDs
| Term | Interest Rate | Annual Percentage Yield (APY) | Early Withdrawal Penalties | |
|---|---|---|---|---|
| 3-month CD | 3.10% | 3.14% | 90 days interest | Open Account |
| 6-month CD | 3.70% | 3.76% | 180 days interest | Open Account |
| 12-month CD | 3.61% | 3.67% | 180 days interest | Open Account |
| 18-month CD | 3.33% | 3.38% | 180 days interest | Open Account |
| 24-month CD | 3.25% | 3.30% | 360 days interest | Open Account |
| 36-month CD | 3.25% | 3.30% | 360 days interest | Open Account |
| 48-month CD | 3.40% | 3.45% | 360 days interest | Open Account |
| 60-month CD | 3.40% | 3.45% | 360 days interest | Open Account |
Open with as little as $1,000. Rates last updated 12/11/2025. Rates above apply to all balance levels and 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. 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.
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