Open an account today

You can open a Regular Savings account quickly online or stop by one of our banking centers.

Features of your Regular Savings account

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Avoidable Fees

Maintain a $300 average collected account balance to avoid the monthly1 maintenance fee.

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Variable Interest

Calculated daily; compounded and credited monthly1

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Insured by the FDIC

You're covered up to the maximum allowed by the FDIC.

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Free Online Banking

Monitor your account balance or add additional funds.

Interest Rates

Minimum Opening Deposit Interest Rate Annual Percentage Yield (APY)
$100 0.10% 0.10%

Deposit Rates

Consumer Deposits Term Minimum to Open Account Interest Rate Annual Percentage Yield (APY)
Online Regular Time Deposits 90 days $500 0.45% 0.45%
Online Regular Time Deposits 180 days $500 0.50% 0.50%
Online Regular Time Deposits 270 days $500 0.55% 0.55%
Online Regular Time Deposits 12 months $500 1.25% 1.25%
Online Regular Time Deposits 13 months $500 1.25% 1.25%
Online Regular Time Deposits 18 months $500 1.40% 1.40%
Online Regular Time Deposits 24 months $500 1.74% 1.75%
Online Regular Time Deposits 36 months $500 1.84% 1.85%
Online Regular Time Deposits 48 months $500 1.99% 2.00%
Online Regular Time Deposits 60 months $500 2.25% 2.27%
In Person Regular Time Deposits 90-179 days $2,500/500 if AR* 0.45% 0.45%
In Person Regular Time Deposits 180-269 days $2,500/500 if AR* 0.50% 0.50%
In Person Regular Time Deposits 270-364 days $2,500/500 if AR* 0.55% 0.55%
In Person Regular Time Deposits 12 months $500 1.25% 1.25%
In Person Regular Time Deposits 13-17 months $500 1.25% 1.25%
In Person Regular Time Deposits 18-23 months $500 1.40% 1.40%
In Person Regular Time Deposits 24-35 months $500 1.74% 1.75%
In Person Regular Time Deposits 36-47 months $500 1.84% 1.85%
In Person Regular Time Deposits 48-59 months $500 1.99% 2.00%
In Person Regular Time Deposits 60 months $500 2.25% 2.27%
In Person Jumbo Time Deposits 7-31 days $100,000 0.20% 0.20%
In Person Jumbo Time Deposits 32-89 days $100,000 0.20% 0.20%
In Person Jumbo Time Deposits 90-179 days $100,000 0.45% 0.45%
In Person Jumbo Time Deposits 180-269 days $100,000 0.50% 0.50%
In Person Jumbo Time Deposits 270-364 days $100,000 0.55% 0.55%
In Person Jumbo Time Deposits 12 months $100,000 1.25% 1.25%
In Person Jumbo Time Deposits 13-17 months $100,000 1.25% 1.25%
In Person Jumbo Time Deposits 18-23 months $100,000 1.40% 1.40%
In Person Jumbo Time Deposits 24-35 months $100,000 1.74% 1.75%
In Person Jumbo Time Deposits 36-47 months $100,000 1.84% 1.85%
In Person Jumbo Time Deposits 48-59 months $100,000 1.99% 2.00%
In Person Jumbo Time Deposits 60 months $100,000 2.25% 2.27%
Jumbo Time Deposits 7-31 days 0.20% 0.20%
Jumbo Time Deposits 32-89 days 0.20% 0.20%
Jumbo Time Deposits 90-179 days 0.45% 0.45%
Jumbo Time Deposits 180-269 days 0.50% 0.50%
Jumbo Time Deposits 270-364 days 0.55% 0.55%
Jumbo Time Deposits 12 months 1.25% 1.25%
Jumbo Time Deposits 13-17 months 1.25% 1.25%
Jumbo Time Deposits 18-23 months 1.40% 1.40%
Jumbo Time Deposits 24-35 months 1.74% 1.75%
Jumbo Time Deposits 36-47 months 1.84% 1.85%
Jumbo Time Deposits 48-59 months 1.99% 2.00%
Jumbo Time Deposits 60+ months 2.25% 2.27%

Variable interest is calculated on the daily collected balance, compounded and credited monthly1. The minimum opening deposit is $100. Rates may vary by bank location. Annual Percentage Yields (APYs) quoted are accurate as of 4/12/2019 and are subject to change without notice.

Fees and Terms

 

  • No monthly1 account maintenance fee if a $300 average collected account balance is maintained.
  • Fees may reduce earnings on the account.
  • Monthly1 account maintenance fee is $5 if below minimum balance requirement.
  • Federal regulation allows you to make six transfers or withdrawals from your account per monthly1 cycle, including preauthorized, automatic or telephone transfers. Each subsequent transfer or withdrawal will be charged $10 in addition to other fees and charges.

For additional details about INTRUST savings accounts, review our Truth in Savings Disclosure for Personal AccountsPersonal Accounts Fee Schedule, and our Deposit Agreement.

  1. Month or monthly is an approximate four (4) week period or cycle, not necessarily a calendar month.