What are the current interest rates at INB National Association?

Current rates for INB National Association include: 12-Month CD: 1.25%, 18-Month CD: 1.35%, 24-Month CD: 1.45%, 36-Month CD: 1.55%, 48-Month CD: 1.65%, 60-Month CD: 1.85%, Savings: 0.20%

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INB National Association

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INB National Association Rates & Review September 2026

Q: How many branches does INB National Association operate?

INB National Association currently maintains approximately 14 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, INB National Association provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

INB National Association's 13-MO 13-Month Certificate of Deposit rates are at 3.74%, 6-MO 6-Month Certificate of Deposit rates are at 3.71%, 13-Months 13-MONTH CD SPECIAL rates are at 3.50%, 6-Months 6-MONTH CD SPECIAL rates are at 3.43%, Last 6-Months Last 6-Month CDs (Certificates of Deposit) rates are at 2.01%. INB National Association's savings rates are at 0.20%. MonitorBankRates evaluates the financial stability of INB National Association with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.74%. Rates last updated and verified on 09/18/2026.

INB National Association 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 INB National Association? Share your experience about INB National Association by leaving a review below, or read customer reviews before you decide to use INB National Association.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.74%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

INB, National Association

322 E Capitol Ave
Springfield, IL 62701

https://www.inb.com

INB National Association CD Rates

Product	Rate	APY	Term
13 Month Certificate of Deposit	-	3.74%	13-MO
Min Deposit $1,000 Min Balance $1,000 Details We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed annual percentage yield. You may not make additional deposits into this account. Your account will mature in 13 months. If you withdraw any of the principal before the maturity date, INB will impose a penalty of 180 days of interest. This account will automatically renew at a 12-month term with the standard rates in effect at that time. If you do not withdraw the funds, each renewal term will be 12 months beginning on the maturity date. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
6 Month Certificate of Deposit	-	3.71%	6-MO
Min Deposit $1,000 Min Balance $1,000 Details We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed annual percentage yield. You may not make additional deposits into this account. Your account will mature in 6 months. If you withdraw any of the principal before the maturity date, INB will impose a penalty of 90 days of interest. This account will automatically renew at a 6-month term with the standard rates in effect at that time. If you do not withdraw the funds, each renewal term will be 6 months beginning on the maturity date. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
13-MONTH CD SPECIAL	-	3.50%	13 months
Min Deposit $1,000 Min Balance $1,000 Details We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed annual percentage yield. You may not make additional deposits into this account. Your account will mature in 13 months. If you withdraw any of the principal before the maturity date, INB will impose a penalty of 180 days of interest. This account will automatically renew at a 12-month term with the standard rates in effect at that time. If you do not withdraw the funds, each renewal term will be 12 months beginning on the maturity date. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
6-MONTH CD SPECIAL	-	3.43%	6 months
Min Deposit $1,000 Min Balance $1,000 Details We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed annual percentage yield. You may not make additional deposits into this account. Your account will mature in 6 months. If you withdraw any of the principal before the maturity date, INB will impose a penalty of 90 days of interest. This account will automatically renew at a 6-month term with the standard rates in effect at that time. If you do not withdraw the funds, each renewal term will be 6 months beginning on the maturity date. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Last 6 month CDs (Certificates of Deposit)	2.01%	2.01%	Last 6 months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Last 6 month IRA Certificates	2.01%	2.01%	Last 6 months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
IRA (5 Year)	1.85%	1.85%	5 year
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
IRA (4 Year)	1.65%	1.65%	4 year
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
IRA (3 Year)	1.55%	1.55%	3 year
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Next 6 month CDs (Certificates of Deposit)	1.50%	1.50%	Next 6 months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Last 6 month IRA Certificates	1.50%	1.50%	Last 6 months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Next 6 month IRA Certificates	1.50%	1.50%	Next 6 months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
IRA (2 Year)	1.45%	1.45%	2 year
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Next 6 month CDs (Certificates of Deposit)	1.35%	1.35%	Next 6 months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
18 month IRA (18 Mos)	1.35%	1.35%	18 months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Next 6 month IRA Certificates	1.35%	1.35%	Next 6 months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
First 6 month CDs (Certificates of Deposit)	1.25%	1.25%	First 6 months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
IRA (1 Year)	1.25%	1.25%	1 year
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Next 6 month IRA Certificates	1.25%	1.25%	Next 6 months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
First 6 month IRA Certificates	1.25%	1.25%	First 6 months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Next 6 month IRA Certificates	1.10%	1.10%	Next 6 months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
First 6 month IRA Certificates	1.00%	1.00%	First 6 months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
6 month IRA (6 Mos)	0.65%	0.65%	6 months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%

INB National Association Savings Rates

Product	Rate	APY
Premier Money Market Savings	1.00%	1.00%
Min Balance $250,000 Details Balance: $250,000.00 and up Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Premier Money Market Savings	0.80%	0.80%
Min Balance $50,000 Details Balance: $50,000.00-$249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Premier Money Market Savings	0.60%	0.60%
Min Balance $10,000 Details Balance: $10,000.00-$49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Business Money Market Savings	0.50%	0.50%
Min Balance $250,000 Details Balance: $250,000.00 and up Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Money Market Savings	0.50%	0.50%
Min Balance $250,000 Details Balance: $250,000.00 and up Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Business Money Market Savings	0.40%	0.40%
Min Balance $10,000 Details Balance: $10,000.00-$49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Business Money Market Savings	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000.00-$249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Money Market Savings	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000.00-$249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Premier Money Market Savings	0.40%	0.40%
Min Balance $1,000 Details Balance: $1,000.00-$9,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Money Market Savings	0.30%	0.30%
Min Balance $10,000 Details Balance: $10,000.00-$49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Business Money Market Savings	0.20%	0.20%
Min Balance $0 Details Balance: up to $999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Business Money Market Savings	0.20%	0.20%
Min Balance $1,000 Details Balance: $1,000.00-$9,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Business Savings	0.20%	0.20%
Min Deposit $100 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Money Market Savings	0.20%	0.20%
Min Balance $0 Details Balance: up to $999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Money Market Savings	0.20%	0.20%
Min Balance $1,000 Details Balance: $1,000.00-$9,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Premier Money Market Savings	0.20%	0.20%
Min Balance $0 Details Balance: up to $999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Youth/Minor Savings	0.20%	0.20%
Min Deposit $10 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%

INB National Association Money Market Rates

Product	Rate	APY
Premier Money Market Savings	1.00%	1.00%
Min Balance $250,000 Details Balance: $250,000.00 and up Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Premier Money Market Savings	0.80%	0.80%
Min Balance $50,000 Details Balance: $50,000.00-$249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Premier Money Market Savings	0.60%	0.60%
Min Balance $10,000 Details Balance: $10,000.00-$49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Business Money Market Savings	0.50%	0.50%
Min Balance $250,000 Details Balance: $250,000.00 and up Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Money Market Savings	0.50%	0.50%
Min Balance $250,000 Details Balance: $250,000.00 and up Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Business Money Market Savings	0.40%	0.40%
Min Balance $10,000 Details Balance: $10,000.00-$49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Business Money Market Savings	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000.00-$249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Money Market Savings	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000.00-$249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Premier Money Market Savings	0.40%	0.40%
Min Balance $1,000 Details Balance: $1,000.00-$9,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Money Market Savings	0.30%	0.30%
Min Balance $10,000 Details Balance: $10,000.00-$49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Business Money Market Savings	0.20%	0.20%
Min Balance $0 Details Balance: up to $999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Business Money Market Savings	0.20%	0.20%
Min Balance $1,000 Details Balance: $1,000.00-$9,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Money Market Savings	0.20%	0.20%
Min Balance $0 Details Balance: up to $999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Money Market Savings	0.20%	0.20%
Min Balance $1,000 Details Balance: $1,000.00-$9,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Premier Money Market Savings	0.20%	0.20%
Min Balance $0 Details Balance: up to $999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%

INB National Association Checking Rates

Product	Rate	APY
Power Plus Checking	0.15%	0.15%
Min Balance $0 Details Balance: up to $4.999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Premier Business Checking	0.15%	0.15%
Min Deposit $100 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%

INB National Association Other Rates

Product	Rate	Points	APY/APR
CDs (Certificates of Deposit)	3.40%	-	3.43%
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
CDs (Certificates of Deposit)	3.68%	-	3.71%
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
CDs (Certificates of Deposit)	3.50%	-	3.50%
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
CDs (Certificates of Deposit)	3.74%	-	3.74%
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
CDs (Certificates of Deposit)	0.65%	-	0.65%
Min Balance $0 Details Balance: Under $100,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
CDs (Certificates of Deposit)	0.75%	-	0.75%
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
CDs (Certificates of Deposit)	1.25%	-	1.25%
Min Balance $0 Details Balance: Under $100,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
CDs (Certificates of Deposit)	1.35%	-	1.35%
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
CDs (Certificates of Deposit)	1.45%	-	1.45%
Min Balance $0 Details Balance: Under $100,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
CDs (Certificates of Deposit)	1.55%	-	1.55%
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
CDs (Certificates of Deposit)	1.65%	-	1.65%
Details Balance: Under $100,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
CDs (Certificates of Deposit)	1.75%	-	1.75%
Details Balance: $100,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
CDs (Certificates of Deposit)	1.85%	-	1.85%
Details Balance: Under $100,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
CDs (Certificates of Deposit)	1.95%	-	1.95%
Details Balance: $100,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Health Savings Accounts (Interest-Bearing Checking)	0.20%	-	0.20%
Min Balance $0 Details Balance: up to $4,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Health Savings Accounts (Interest-Bearing Checking)	0.40%	-	0.40%
Min Balance $5,000 Details Balance: $5,000.00 and up Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
IRAs (Individual Retirement Accounts)	3.28%	-	3.33%
Min Balance $0 Details Balance: up to $4,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
IRAs (Individual Retirement Accounts)	3.78%	-	3.85%
Min Balance $5,000 Details Balance: $5,000-$100,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
IRAs (Individual Retirement Accounts)	3.50%	-	3.50%
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Maximizer Account	0.20%	-	0.20%
Min Balance $0 Details Balance: up to $49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Maximizer Account	0.30%	-	0.30%
Min Balance $50,000 Details Balance: $50,000.00-$249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%
Maximizer Account	0.40%	-	0.40%
Min Balance $250,000 Details Balance: $250,000.00 and up Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.74%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

INB National Association’s Texas Ratio rose from 2.04% in Q3 2023 to 9.74% in Q2 2026, so its financial health has weakened 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.7B	9.74%	5.0	A
March 31, 2026	$2.5B	6.75%	5.0	A
December 31, 2025	$2.5B	7.14%	5.0	A
September 30, 2025	$2.5B	9.16%	5.0	A
June 30, 2025	$2.4B	7.30%	5.0	A
March 31, 2025	$2.4B	4.00%	5.0	A+
December 31, 2024	$2.4B	3.54%	5.0	A+
September 30, 2024	$2.3B	3.91%	5.0	A+
June 30, 2024	$2.3B	6.28%	5.0	A
March 31, 2024	$2.2B	7.27%	5.0	A
December 31, 2023	$2.2B	1.92%	5.0	A+
September 30, 2023	$2.1B	2.04%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for INB National Association 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 INB National Association 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 INB National Association's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name INB National Association

Bank Holding Company ILLINOIS NATIONAL BCORP INC

Address 322 E Capitol Ave, Springfield, IL 62701 · Sangamon

Website https://www.inb.com

FDIC Certificate # 3664

Established 19050101

FDIC Insurance Date 19340101

Domestic Offices 14

Total Branches 14

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

9.74%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1987%

Return on Equity (ROE) 12.7500%

Non-Performing Loans (NPL) 0.80%

Total Assets $2,684,002,000

Total Deposits $2,421,298,000

Equity Capital $243,311,000

Net Income $15,471,000

Headquarters Springfield

Total Branches and Offices 14

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

INB National Association earned the Verified Healthy badge

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Frequently Asked Questions About INB National Association

How many branches does INB National Association operate?

INB National Association currently maintains approximately 14 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, INB National Association 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, INB National Association provides members with tools to manage their accounts and build a solid financial history.

Does INB National Association offer online and mobile banking?

Most modern institutions like INB National Association 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.inb.com.