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iAdvertiser Disclosure
Advertiser Disclosure
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 First Internet Bank of Indiana Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 5, 2026
First Internet Bank of Indiana's 12-Month CD rates are at 4.00%, 24-Month CD rates are at 4.00%, 36-Month CD rates are at 4.00%, 48-Month CD rates are at 4.00%, 60-Month CD rates are at 4.00%. First Internet Bank of Indiana's savings rates are at 3.88%. First Internet Bank of Indiana's money market rates are at 3.09%. First Internet Bank of Indiana's checking rates are as high as 0.50%. First Internet Bank of Indiana's top CD rate of 4.00% APY on a 12 month CD is 32% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of First Internet Bank of Indiana with a 4.8 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.17%. Rates last updated and verified on 11/05/2026. First Internet Bank of Indiana money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Internet Bank of Indiana? Share your experience about First Internet Bank of Indiana by leaving a review below, or read customer reviews before you decide to use First Internet Bank of Indiana. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. First Internet Bank of Indiana CD Rates
First Internet Bank of Indiana Savings Rates
First Internet Bank of Indiana Business Savings Rates
First Internet Bank of Indiana Money Market Rates
First Internet Bank of Indiana Business Money Market Rates
First Internet Bank of Indiana Checking Rates
First Internet Bank of Indiana Business Checking Rates
Financial Health HistoryFirst Internet Bank of Indiana’s Texas Ratio rose from 0.36% in Q3 2023 to 10.17% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First Internet Bank of Indiana is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather First Internet Bank of Indiana rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Internet Bank of Indiana's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
First Internet Bank of Indiana
Website
https://www.firstib.com
Address
8701 E 116th St,
Fishers, IN 46038 · Hamilton
Bank Holding Company
FIRST INTERNET BCORP
FDIC Certificate #
34607
Regulator
FDIC
Established
December 28, 1998
FDIC Insurance Date
December 28, 1998
Domestic Offices
2
Total Branches
2
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.8 / 5.0 ★
Overall Health & Safety Grade
A (93/100)
Texas Ratio
10.17%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.3174%
Return on Equity (ROE)
4.1200%
Non-Performing Loans Ratio (NPL)
1.09%
Total Assets
$5,526,397,000
Total Deposits
$4,837,281,000
Equity Capital
$434,997,000
Net Income
$8,866,000
Headquarters
Fishers
Total Branches and Offices
2
Source: FDIC — Last Updated June 30, 2026
Customer ReviewsJill
May 5, 2026
I agree with you, I got a good lowish rate on a mortgage but I can't seem to get a statement from the loan portal
Doug
May 5, 2026
I have a 1st and 2nd mortgage through First Internet Bank of Indiana, I like the rates but their new loan portal isn't that great.
Want to discuss First Internet Bank of Indiana with other members?
Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Add Your Rating and Review for First Internet Bank of Indiana
Frequently Asked Questions About First Internet Bank of IndianaDoes First Internet Bank of Indiana offer CDs?Yes. First Internet Bank of Indiana current CD rates include its 12-Month CD at 4.00% APY, its 24-Month CD at 4.00% APY and its 36-Month CD at 4.00% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from First Internet Bank of Indiana FDIC insured?Yes. First Internet Bank of Indiana is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at First Internet Bank of Indiana?The highest First Internet Bank of Indiana CD rate is its 12-Month Certificate of Deposit at 4.00% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does First Internet Bank of Indiana offer?First Internet Bank of Indiana CD rates are 4.00% APY for a 12 month CD, 4.00% APY for a 2 year CD, 4.00% APY for a 3 year CD, 4.00% APY for a 4 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with First Internet Bank of Indiana for its full lineup. What is the highest savings rate at First Internet Bank of Indiana?The highest First Internet Bank of Indiana savings rate is its Business Regular Savings at 0.90% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest money market rate at First Internet Bank of Indiana?The highest First Internet Bank of Indiana money market rate is its Business Money Market Savings at 3.88% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest checking rate at First Internet Bank of Indiana?The highest First Internet Bank of Indiana checking rate is its Do More Business Checking at 0.50% APY, verified by MonitorBankRates as of November 5, 2026. How many branches does First Internet Bank of Indiana operate?First Internet Bank of Indiana currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, First Internet Bank of Indiana does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First Internet Bank of Indiana provides members with tools to manage their accounts and build a solid financial history. Does First Internet Bank of Indiana offer online and mobile banking?Most modern institutions like First Internet Bank of Indiana provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstib.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do First Internet Bank of Indiana rates compare?First Internet Bank of Indiana's top CD rate of 4.00% APY on a 12 month CD is 32% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A health rating. First Internet Bank of Indiana's top rates are its 12-Months 12-Month Certificate of Deposit at 4.00% APY, its Business Money Market Savings at 3.88% APY, its Personal Money Market at 3.09% APY and its Do More Business Checking at 0.50% APY, verified by MonitorBankRates on November 5, 2026. Current First Internet Bank of Indiana Rates
Retrieved from our database of financial products. Rates subject to change.
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