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No monthly maintenance fee

Zip. Zero. Zilch.

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Earns interest

Compounded daily

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Free Online Banking

Monitor your account balance.

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Insured by the FDIC

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

Rates and Terms: Online

Regular Time Deposits Interest Rates

Term Minimum to Open Account Interest Rate Annual Percentage Yield (APY)
90 days $500 0.45% 0.45%
180 days $500 0.50% 0.50%
270 days $500 0.55% 0.55%
12 months $500 1.25% 1.25%
13 months $500 1.25% 1.25%
18 months $500 1.40% 1.40%
24 months $500 1.74% 1.75%
36 months $500 1.84% 1.85%
48 months $500 1.99% 2.00%
60 months $500 2.25% 2.27%

Rates and Terms: In Person

Regular Time Deposits Interest Rates

Term Minimum to Open Account Interest Rate Annual Percentage Yield (APY)
90-179 days $2,500/500 if AR* 0.45% 0.45%
180-269 days $2,500/500 if AR* 0.50% 0.50%
270-364 days $2,500/500 if AR* 0.55% 0.55%
12 months $500 1.25% 1.25%
13-17 months $500 1.25% 1.25%
18-23 months $500 1.40% 1.40%
24-35 months $500 1.74% 1.75%
36-47 months $500 1.84% 1.85%
48-59 months $500 1.99% 2.00%
60 months $500 2.25% 2.27%

Jumbo Time Deposits Interest Rates

Term Minimum to Open Account Interest Rate Annual Percentage Yield (APY)
7-31 days $100,000 0.20% 0.20%
32-89 days $100,000 0.20% 0.20%
90-179 days $100,000 0.45% 0.45%
180-269 days $100,000 0.50% 0.50%
270-364 days $100,000 0.55% 0.55%
12 months $100,000 1.25% 1.25%
13-17 months $100,000 1.25% 1.25%
18-23 months $100,000 1.40% 1.40%
24-35 months $100,000 1.74% 1.75%
36-47 months $100,000 1.84% 1.85%
48-59 months $100,000 1.99% 2.00%
60 months $100,000 2.25% 2.27%

Rates may vary by bank location. Annual Percentage Yields (APYs) quoted are accurate as of 3/25/2019 and are subject to change without notice. Withdrawals will reduce earnings. Substantial penalty for early withdrawal.

*AR means Automatice Renewal. In most cases, time deposits are automatically renewable and, once the term expires, you have 10 calendar days to add or change the term with no penalty. You generally cannot make withdrawals without an early withdrawal penalty.

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This calculator is provided for illustrative purposes only. The accuracy of the calculation of earnings is not guaranteed. Calculations shown above may not be indicative of your final balance. Compounding frequencies, withdrawals and/or penalties may affect your interest earned. Calculation Methodology: Daily compounding based on a 365 day calendar year, with interest paid at maturity. Also assumes interest will remain on deposit until maturity
  1. Month or monthly is an approximate four (4) week period or cycle, not necessarily a calendar month.
  2. Federal regulation allows you to make six transfers or withdrawals from your account per monthly statement cycle, including preauthorized, automatic or telephone transfers. Each subsequent transfer or withdrawal will be charged $10 in addition to other fees and charges.

A time deposit is an account where the consumer generally does not have a right to make withdrawals unless the deposit is subject to an early withdrawal penalty. INTRUST Bank Time Deposits are similar to Certificates of Deposits (CDs), but are issued with a Receipt and not a Certificate.

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