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Open a time deposit quickly online or stop by one of our banking centers. Existing customers can also call to open an account.

Open Online: Regular Time Deposit Rates

Term Minimum to Open Account Interest Rate Annual Percentage Yield (APY)
90 days $500 0.05% 0.05%
180 days $500 0.10% 0.10%
270 days $500 0.15% 0.15%
12 months $500 0.50% 0.50%
13 months $500 0.50% 0.50%
18 months $500 0.55% 0.55%
24 months $500 0.60% 0.60%
36 months $500 0.70% 0.70%
48 months $500 0.80% 0.80%
60+ months $500 0.90% 0.90%

Rates and Terms: In person or over the phone

Regular Time Deposit Rates

Term Minimum to Open Account Interest Rate Annual Percentage Yield (APY)
90-179 days $2,500/500 if AR* 0.05% 0.05%
180-269 days $2,500/500 if AR* 0.10% 0.10%
270-364 days $2,500/500 if AR* 0.15% 0.15%
12 months $500 0.50% 0.50%
13-17 months $500 0.50% 0.50%
18-23 months $500 0.55% 0.55%
24-35 months $500 0.60% 0.60%
36-47 months $500 0.70% 0.70%
48-59 months $500 0.80% 0.80%
60+ months $500 0.90% 0.90%

Jumbo Time Deposit Rates

Term Minimum to Open Account Interest Rate Annual Percentage Yield (APY)
7-31 days $100,000 0.05% 0.05%
32-89 days $100,000 0.05% 0.05%
90-179 days $100,000 0.05% 0.05%
180-269 days $100,000 0.10% 0.10%
270-364 days $100,000 0.15% 0.15%
12 months $100,000 0.50% 0.50%
13-17 months $100,000 0.50% 0.50%
18-23 months $100,000 0.55% 0.55%
24-35 months $100,000 0.60% 0.60%
36-47 months $100,000 0.70% 0.70%
48-59 months $100,000 0.80% 0.80%
60+ months $100,000 0.90% 0.90%

High-Yield Time Deposit Rates**

Term Minimum to Open Account Interest Rate Annual Percentage Yield (APY)
7-31 days $1,000,000 0.07% 0.07%
32-89 days $1,000,000 0.10% 0.10%
90-179 days $1,000,000 0.25% 0.25%
180-269 days $1,000,000 0.35% 0.35%
270-364 days $1,000,000 0.50% 0.50%
12 months $1,000,000 0.75% 0.75%
13-17 months $1,000,000 0.80% 0.80%
18-23 months $1,000,000 0.90% 0.90%
24-35 months $1,000,000 1.00% 1.00%
36-47 months $1,000,000 1.05% 1.05%
48-59 months $1,000,000 1.10% 1.10%
60+ months $1,000,000 1.15% 1.15%

Rates may vary by bank location. Annual Percentage Yields (APYs) quoted are accurate as of 3/25/2019 and are subject to change without notice. Withdrawals will reduce earnings. Substantial penalty for early withdrawal.

*AR means Automatic Renewal. In most cases, time deposits are automatically renewable and, once the term expires, you have 10 calendar days to add or change the term with no penalty. You generally cannot make withdrawals without an early withdrawal penalty.

**More than one Time Deposit (currently opened or being opened) may be aggregated to equal the $1,000,000.  Time Deposits owned by a combination of qualified related owners may be aggregated to equal or exceed the $1,000,000.  Qualified related owners are: Spouse, minor or dependent children, customer or spouse as trustee of a revocable or irrevocable trust he/ she created; customer or spouse as grantor of revocable or irrevocable trust; customer or spouse as trustee or grantor of a marital trust; customer or spouse as custodian of a custodial account for the benefit of the minor or dependent child, all living in the same household.

Insured by the FDIC

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Time deposit accounts qualify for the maximum allowed deposit coverage from the FDIC. Rest easy in the safety and stability of investing your hard-earned dollars and watch them grow with guaranteed returns.

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.

For additional details about INTRUST time deposit accounts, review our Truth in Savings Disclosure for Personal AccountsPersonal Accounts Fee Schedule, and our Deposit Agreement.