Current Rate Specials

Interest Checking Special:

3.70% APY*

*Annual Percentage Yields (APY) effective as of 1/8/2026 and is subject to change at anytime, including after account opening. New money only. $100 Minimim opening deposit. Minimum balance of $1,000 required to avoid $12 monthly service charge. Fees may reduce earnings. Offer applies to personal accounts only.

CD Specials: 

3.85% APY* 5-Months

*Annual Percentage Yields (APY) effective as of 1/8/2026. Minimum balance of $1,000 required for 3.85% APY for 5-month CD. Early withdrawal penalties may apply.

4.00% APY* 7-Months

*Annual Percentage Yields (APY) effective as of 4/13/2026. Minimum balance of $1,000 required for 4.00% APY for 7-month CD. Early withdrawal penalties may apply. New Money only. New money is defined as funds not currently or previously on deposit with Independent Bank within the past 30 days. Transfers from existing Independent Bank accounts or funds withdrawn and redeposited to qualify for this promotion are not eligible.

3.70% APY* 11-Months 

*Annual Percentage Yields (APY) effective as of 1/8/2026. Minimum balance of $1,000 required for 3.70% APY for 11-month CD. Early withdrawal penalties may apply.

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