Rates

Substantial penalty for early withdrawal from certificates of deposit. Rates subject to change. Annual percentage yield assumes rate remains the same for one year on maturities less than one year and that interest is added to the principal on all accounts. Ask for more information about these accounts. At maturity, certificates renew for the rate and term in effect for that maturity range. Automatically renewable certificates are excluded from any special offering at the time of the renewal.

1 - Daily Balance (the amount of principal in the account each day)

2 - On tiered rate products, interest is calculated and paid on the entire balance in your account

A - Applies To All CDS - Limited time offer that may be withdrawn at any time, cannot be combined with any other offer or rate enhancements, and is open to individuals and select business types in Illinois (see a Banker for details). Annual Percentage Yield (APY) is valid as of 03/17/20 and assumes monthly compounding. Minimum balance to open this Certificate of Deposit (CD) and earn stated APY is $1,000. IRAs are eligible. New money only. New money is defined as money not on deposit with Inland Bank at or within 90 days prior to account opening. Money must remain on deposit for length of time specified to earn stated APY. Penalty for early withdrawal. Fees may reduce account earnings. No brokered deposits.

B - Upon maturity, this CD will automatically renew in 6-month intervals earning the then current APY of the traditional 6-month CD.
C - Upon maturity, this CD will automatically renew in 12-month intervals earning the then current APY of the traditional 12-month CD.
D- Upon maturity, this CD will automatically renew in 18-month intervals earning the then current APY of the traditional 18-month CD. REV031720

VIP CDS: E - Applies To All CDS - Limited time offer that may be withdrawn at any time, cannot be combined with any other offer or rate enhancements. Individuals only. Annual Percentage Yield (APY) is valid as of 03/17/20 and assumes monthly compounding. Minimum balance to open this Certificate of Deposit (CD) and earn stated APY is $10,000. IRAs are eligible. New money only. New money is defined as money not on deposit with Inland Bank at or within 90 days prior to account opening. Money must remain on deposit for length of time specified to earn stated APY. Penalty for early withdrawal. Fees may reduce account earnings. No brokered deposits. ACCOUNT MUST MAINTAIN A VIP CHECKING ACCOUNT – VIP CD Holders are required to maintain a qualifying VIP Checking account which requires $5,000 to open. See a banker for more details about our VIP Checking or visit us online at inlandbank.com.

Upon maturity:
F - The 8-month CD will automatically renew in 6-month intervals earning the then current APY of the traditional 6-month CD;
G - The 14-month CD will automatically renew in 12-month intervals earning the then current APY of the traditional 12-month CD and
H - The 22-month CD will automatically renew in 18-month intervals earning the then current APY of the traditional 18-month CD.

ROLLOVER OPTION: Upon maturity the VIP CDs can be rolled over into the same VIP terms as long as the owner is a current VIP Checking customer in good standing. This will not be automatic and action must be taken by the customer.

1 - Daily Balance (the amount of principal in the account each day)

2 - Annual Percentage Yield and interest rate may change after the account is opened and fees may reduce earnings.

1 - Daily Balance (the amount of principal in the account each day)
2 - Annual Percentage Yield and interest rate may change after the account is opened and fees may reduce earnings.
3 - Young Banker Accounts are available from newborn to age 18. Account is an UTMA account which can be opened by a parent or legal guardian as custodian.
4 - Other activity restrictions and fees may apply, see our new account disclosure and fee schedule for terms and conditions, ask a banker for details.  

1 - Daily Balance (the amount of principal in the account each day)

2 - Annual Percentage Yield and interest rate may change after the account is opened and fees may reduce earnings.

3 - Tiered rate products, interest is calculated and paid on the entire balance in your account.

4 - Other activity restrictions and fees may apply, see our new account disclosure and fee schedule for terms and conditions, ask a banker for details.

A - Available to non-business accounts. New money only. New money is defined as money not on deposit with Inland Bank at or within 90 days prior to account opening. $10,000 minimum deposit required to open account. $10,000 minimum daily balance required to obtain the stated Annual Percentage Yield (APY) and avoid $25 monthly service charge. (See rate tiers below) Variable rate tiered product. Interest is calculated and paid on the entire balance in your account. We may change the interest rate and annual percentage yield (APY) on the first business day of each month, excluding federal holidays. Rates are accurate as of 04/01/20 and tiers are: Tier One $0-$9,999 = 0.00% APY / Interest Rate of 0.00%; Tier Two $10,000 and up = APY of 0.81% (which also happens to be 25.00% of Wall Street Journal Prime) / Interest Rate = 0.81%. Other activity restrictions and fees may apply, see our New Account Disclosure and Fee Schedule for Terms and Conditions, ask a banker for details. Fees could reduce earnings. ACCOUNT MUST MAINTAIN A COMPANION CHECKING ACCOUNT – Prime Money Market Account Holders are required to maintain a qualifying companion checking account(s) with a $1,000 minimum daily balance. If the minimum daily balance in the qualifying companion checking account(s) falls below the $1,000 during any one day of the current cycle, the Prime Money Market account will be assessed a $25 Companion Checking Low Balance Fee. If there ceases to be any companion checking account(s) to the Prime Money Market, the Prime Money Market may be converted to the Personal Money Market at the current rate within 30 days of the event. REV040120

B - Available to non-business accounts. New money only. New money is defined as money not on deposit with Inland Bank at or within 90 days prior to account opening. $10,000 minimum deposit required to open account. $10,000 minimum daily balance required to obtain the stated Annual Percentage Yield (APY) and avoid $25 monthly service charge. (See rate tiers below) Variable rate tiered product. Interest is calculated and paid on the entire balance in your account. Rates are accurate as of 04/01/20 and tiers are: Tier One $0-$9,999 = 0.00% APY / Interest Rate of 0.00%; Tier Two $10,000 and up = APY of 0.90% / Interest Rate = 0.90%. Other activity restrictions and fees may apply, see our New Account Disclosure and Fee Schedule for Terms and Conditions, ask a banker for details. Fees could reduce earnings. ACCOUNT MUST MAINTAIN A VIP CHECKING ACCOUNT – VIP Money Market Account Holders are required to maintain a qualifying VIP Checking account which requires $5,000 to open. If there ceases to be a VIP Checking account associated with the VIP Money Market, the VIP Money Market may be converted to the Personal Money Market at the current rate within 30 days of the event. See a banker for more details about our VIP Checking and VIP Money Market or visit us online at inlandbank.com. REV040120

1 - Daily Balance (the amount of principal in the account each day) On tiered rate products,

2 - Annual Percentage Yield and Interest Rate may change after the account is opened and fees may reduce earnings.

3 - On tiered rate products, interest is calculated and paid on the entire balance in your account.
4 - Refer to new account disclosures. Funds in the investment portion of your HSA Advantage Account are not FDIC insured, may lose value and are not bank guaranteed. Please see banker for details