Time Deposits

Time deposits (CDs) combine the security of a guaranteed return from a savings account with the higher return associated with an investment.

Rates may vary by bank location. Annual Percentage Yields (APYs) quoted are accurate as of 11/20/2009 and are subject to change without notice. Fees could reduce earnings. Substantial penalty for early withdrawal.

AR means automatic renewal.

Featured Time Deposits

Term	Minimum to Open Account	Interest Rate	Annual Percentage Yield (APY)
No featured product	0	0.00%	0.00%

Regular Time Deposits

Term	Minimum to Open Account	Interest Rate	Annual Percentage Yield (APY)
Short-term Accounts
90-179 days	$2,500/500 if AR*	0.99%	1.00%
180-269 days	$2,500/500 if AR*	1.24%	1.25%
270-364 days	$2,500/500 if AR*	1.24%	1.25%
Long-term Accounts
12 months	$500	1.48%	1.50%
13-17 months	$500	1.48%	1.50%
18-23 months	$500	1.48%	1.50%
24-35 months	$500	1.73%	1.75%
36-47 months	$500	1.98%	2.00%
48-59 months	$500	2.22%	2.25%
60 months	$500	2.47%	2.50%

Jumbo Time Deposits

Term	Minimum to Open Account	Interest Rate	Annual Percentage Yield (APY)
Short-term Accounts
7-31 days	$100,000	0.25%	0.25%
32-89 days	$100,000	0.25%	0.25%
90-179 days	$100,000	1.14%	1.15%
180-269 days	$100,000	1.39%	1.40%
270-364 days	$100,000	1.39%	1.40%
Long-term Accounts
12 months	$100,000	1.63%	1.65%
13-17 months	$100,000	1.63%	1.65%
18-23 months	$100,000	1.63%	1.65%
24-35 months	$100,000	1.88%	1.90%
36-47 months	$100,000	2.12%	2.15%
48-59 months	$100,000	2.37%	2.40%
60 months	$100,000	2.61%	2.65%

Truth in Savings Disclosure for Personal Accounts

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For more information about Time Deposits, contact Customer Service by e-mail or by phone.

A time deposit is an account where the consumer generally does not have a right to make withdrawals unless the deposit is subject to an early withdrawal penalty. INTRUST Bank Time Deposits are similar to Certificates of Deposits (CDs), but are issued with a Receipt and not a Certificate.

INTRUST Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules. Those rules include a temporary increase in coverage from $100,000 to $250,000 per depositor through December 31, 2013. INTRUST Health Savings accounts are covered by the FDIC’s general deposit insurance rules, but are not eligible for the additional coverage.