Regular Savings

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

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Features of your Regular Savings account

Avoidable Fees

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

Variable Interest

Calculated daily; compounded and credited monthly¹

Insured by the FDIC

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

Free Online Banking

Monitor your account balance or add additional funds.

Interest Rates

Interest Rate	Annual Percentage Yield (APY)	Minimum to Open Account
0.05%	0.05%	$100

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	$100,000	0.20%	0.20%
Jumbo Time Deposits	32-89 days	$100,000	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 04/05/2025 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 Accounts, Personal Accounts Fee Schedule, and our Deposit Agreement.

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

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