Indiana Best CD Rates October 2026

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Penalty: 1% Prin., No Penalty After 30 Days

Min. Deposit $100,000; Dividend Rate / APY

VARIABLE RATE ACCOUT: rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about fees potentially related to these accounts. Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days' dividends; 12-36 months = the equivalent of 180 days' dividends; over 36 months = the equivalent of 365 days' dividends; Any Purpose Savings = the equivalent of 90 days' dividends. If funds are withdrawn before the maturity date, an early withdrawal penalty is applicable and may include principal. Any Purpose Savings Certificate: Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate. IRA certificates exclude the Any Purpose Savings Certificate, 3 month Certificate and 11 month safety certificates.

Min. Deposit $250; Dividend Rate / APY

Effective Date: 02/01/2026; Penalty may be imposed for early withdrawal

Share Certificate; Min Deposit of $500 on all Certificate of Deposits

Dividend rate and APY as high as

Compounding Frequency: Maturity

Effective Date: October 01, 2026

APY with Bonus Rate: 1.60%

Minimum $500 Balance; Let the Lampco Lighthouse Light Guide you to the Best CD rates in Madison County; A penalty may be imposed for early withdrawal

Dividend Rate; early withdrawal penalty of 90 days of earned or unearned interest

Dividend Period: Maturity

Dividends compounded quarterly

New accounts only with $10,000 new money deposit

Featured rate from homepage banner; $500 minimum deposit

Balance: $50,000 & up; Dividends Paid Monthly

Traditional and Roth IRA; APY effective as of October 1, 2026; Primary members under 18 must have a $500 minimum deposit to open

Primary members under 18: $500 minimum deposit to open; APY effective as of October 1, 2026

Effective May 28, 2025; penalty imposed for early withdrawal

APY* footnote: APY=Annual Percentage Yield

There may be penalties for early withdrawal; A Regular Savings Account is required.

Certificate yields assume dividends compounded monthly; early withdrawal penalty applies

VARIABLE RATE ACCOUT: rate is subject to change any time after account opening. Fees could reduce earnings. Please see our Rate & Fee Disclosure Statement for further information about fees potentially related to these accounts. Penalty varies based upon the term of the certificate (and may include principal) as follows: Under one year = the equivalent of 30 days' dividends; 12-36 months = the equivalent of 180 days' dividends; over 36 months = the equivalent of 365 days' dividends; Any Purpose Savings = the equivalent of 90 days' dividends. If funds are withdrawn before the maturity date, an early withdrawal penalty is applicable and may include principal. Any Purpose Savings Certificate: Allows accountholder to select a term ranging from 6 to 24 months. Upon renewal, will renew at a 3-month term. This certificate allows for the accountholder to add funds throughout the term of the certificate. IRA certificates exclude the Any Purpose Savings Certificate, 3 month Certificate and 11 month safety certificates.

Available to members ages 17 & younger; maximum original principal balance of $5,000; APY based on $1,000 example

Share Certificates subject to early withdrawal penalty; Early Withdrawal Penalty: forfeit 90 days dividend

$1,000 minimum deposit

Condition: 6 Months ($10M or >).