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A - Applies Only to Promotional CD Terms ( 7, 13, and 19 mos) Limited time offer that may be withdrawn at any time, cannot be combined with any other offer or rate enhancements, and is open to individuals and select business types in Illinois (see a Banker for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 09/09/19 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.  REV090919 

REV090919

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

A. Rewards  Checking - Rates are subject to change without notice. Minimum balance to open the account is $100. Checking rates are variable and may change after the account is opened. Interest is daily balance method and will be credited to the account on the scheduled statement date. Fees may reduce earnings. Daily balance is the amount of principal in the account each day. Interest reward earned with the following requirements per statement cycle: 15 settled debit card transactions and 1 settled ACH Direct Deposit. Interest is calculated and paid on the portion of the balances that fall within each tier: Rewards Checking earns an interest rate of 1.79% only for that portion of your daily balance between $0.01 and $25,000. The APY for this tier will be 1.80%. An interest rate of 0.50% will be paid only for that portion of your daily balance $25,000.01 and above. The APY for this tier will range from 0.50% to 1.80% depending on the balance in the account. One account per Social Security Number.

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

1- On tiered rate products, interest is calculated and paid on the entire balance in your account.
2 - Annual Percentage Yield and interest rate may change after the account is opened and fees may reduce earnings.

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 01/01/20 and tiers are: Tier One $0-$9,999 = 0.00% APY / Interest Rate of 0.00%; Tier Two $10,000 and up = APY of 1.43% (which also happens to be 30.00% of Wall Street Journal Prime) / Interest Rate = 1.42%. 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 Premier Money Market at the current rate within 30 days of the event. REV010120

1 - On tiered rate products, interest is calculated and paid on the entire balance in your account.
2 - 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.
3- Annual Percentage Yield and interest rate may change after the account is opened and fees may reduce earnings.