Deposit Rates


Checking and Savings Accounts


ACCOUNT TIER DIVIDEND RATE APY
Preferred Checking¹,2 $2.500+ 0.25% 0.25%
Membership Savings and Christmas Club Accounts1 $0-$999 0.05% 0.05%

$1,000-$9,999 0.15% 0.15%

$10,000+ 0.30% 0.30%
Money Market Account1 $2,500-$19,999 1.30% 1.31%

$20,000-$49,999 1.60% 1.61%

$50,000-$99,999 1.90% 1.92%

$100,000-$249,999 2.30% 2.32%

$250,000+ 2.50% 2.53%
High Yield Money Market2 $15,000+ 3.45% 3.51%
Health Savings Account3 $1-$2,499 0.75% 0.75%

$2,500-$9,999 1.00% 1.00%

$10,000+ 1.50% 1.51%
Minor Savings Account1 N/A 0.30% 0.30%
1APY = Annual Percentage Yield. Membership savings account required. Maximum $1,000,000 per household. Rates effective 07.01.2025 and subject to change at any time. 
2Membership savings account required. Dividends are compounded monthly and credited on the last day of every month. Dividend Rate 3.45%. $50 minimum deposit and opening balance required. Promotional rate is paid only if balance is $15,000 or more. If balance is less than $15,000, the rate paid will be equal to the savings rate. New funds only, transfer restrictions apply. Available only on consumer accounts. APY = Annual Percentage Yield. APY is accurate as of 07.01.2025. If the balance falls below $15,000, the rate paid will be equal to the savings rate, according to the tier rate structure, as of 07.01.2025. Fees may reduce earnings. After the 7 month promo period (effective 7 months after High Yield Money Market opening date), the account will convert to a money market account and be subject to balance, rate and terms associated with the money market account. Offer may be discontinued at any time.
3Membership savings account required. $10,000 minimum balance required for 1.51%APY. See tier rate structure for details. Dividend rate is variable and equal to 1.50%. Rate subject to change and effective as of 07.01.2025. Indiana Members is not licensed to provide tax advice. **Funds may not be used to cover any overdrafts on an HSA checking account while invested in a certificate. Certain restrictions apply consult your tax advisor.


CertificateS 

TERM DIVIDEND RATE APY
6 Month 3.45% 3.51%
9 Month1 4.22% 4.30%
12 Month 3.20% 3.25%
24 Month 3.20% 3.25%
36 Month 3.93% 4.00%
48 Month  2.96% 3.00%
60 Month  2.96%
3.00%
84 Month  2.23% 2.25%
APY = Annual Percentage Yield. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 07.01.2025 and subject to change at any time. Penalty for early withdrawal. 
19-Month certificate account only. APY = Annual Percentage Yield. 4.22% dividend rate. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 07.01.25 and subject to change at any time. Penalty for early withdrawal. Will renew to the 6-month certificate account if auto-renew is chosen. 
                                                                                   

                                                                HSA CERTIFICATES

 
TERM DIVIDEND RATE APY
6 Month 3.45% 3.51%
9 Month1 4.22% 4.30%
12 Month 3.20% 3.25%
24 Month 3.20% 3.25%
36 Month 3.93% 4.00%
48 Month  2.96% 3.00%
60 Month  2.96% 3.00%
84 Month  2.23% 2.25%
APY = Annual Percentage Yield. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Not eligible for online opening. Rates effective 07.01.2025 and subject to change at any time. Penalty for early withdrawal. 
19-Month certificate account only. APY = Annual Percentage Yield. 4.22% dividend rate. Membership savings account required. $1,000 minimum deposit. Not eligible for online opening. Maximum $1,000,000 per household. Rates effective 07.01.25 and subject to change at any time. Penalty for early withdrawal. Will renew to the 6-month certificate account if auto-renew is chosen. 


IRA Certificate Account

TERM DIVIDEND RATE APY
6 Month 3.45% 3.51%
9 Month1 4.22% 4.30%
12 Month 3.20% 3.25%
24 Month 3.20% 3.25%
36 Month 3.93% 4.00%
48 Month  2.96% 3.00%
60 Month  2.96% 3.00%
84 Month  2.23% 2.25%
APY = Annual Percentage Yield. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Not eligible for online opening. Rates effective 07.01.2025 and subject to change at any time. Penalty for early withdrawal. 
19-Month certificate account only. APY = Annual Percentage Yield. 4.22% dividend rate. Membership savings account required. $1,000 minimum deposit. Not eligible for online opening. Maximum $1,000,000 per household. Rates effective 07.01.25 and subject to change at any time. Penalty for early withdrawal. Will renew to the 6-month certificate account if auto-renew is chosen. 

 
 

IRA Savings Account

TERM DIVIDEND RATE APY
N/A 1.50% 1.51%
APY = Annual Percentage Yield. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Not eligible for online opening. Rates effective 07.01.2025 and subject to change at any time. Penalty for early withdrawal.