From starting your first savings account to helping you save for all your big moments in the future, First Independent Bank has your savings solutions. Explore and compare our wide variety of options below.
This savings account option is available to individuals who are 17 years of age or younger. A parent or legal guardian must be a joint account owner for all accounts associated with a minor. This may be the right savings account option for you if this is your first savings account or you plan to maintain a smaller balance in your account and grow your savings over time!
*Third-party message, data, and/or internet service provider rates may apply.
Thank you for considering us as your new bank! To get started, you will need to apply for an account at your local First Independent Bank branch or via our easy online application. Use our Switch Kit Guide to prepare for your transition to a First Independent Bank account in advance for a streamlined experience. Click the Apply for an Account at Your Local Branch, Use the Switch Kit Guide | Personal User Guide, or Apply for an Account Online button below to get started with your preferred application method.
APPLY FOR AN ACCOUNT AT YOUR LOCAL BRANCH
USE THE SWITCH KIT GUIDE | PERSONAL USER GUIDE
To get started, you will need to apply for a new account at your local First Independent Bank branch or via our easy online application. Click the Apply for an Account at Your Local Branch or Apply for an Account Online button below to get started with your preferred application method.
APPLY FOR AN ACCOUNT AT YOUR LOCAL BRANCH
This savings account is available to individuals of any age. A parent or legal guardian must be a joint account owner for all accounts associated with a minor. This may be the right savings account option for you if you plan to maintain a smaller balance in your account and grow your savings over time!
*Third-party message, data, and/or internet service provider rates may apply.
Thank you for considering us as your new bank! To get started, you will need to apply for an account at your local First Independent Bank branch or via our easy online application. Use our Switch Kit Guide to prepare for your transition to a First Independent Bank account in advance for a streamlined experience. Click the Apply for an Account at Your Local Branch, Use the Switch Kit Guide | Personal User Guide, or Apply for an Account Online button below to get started with your preferred application method.
APPLY FOR AN ACCOUNT AT YOUR LOCAL BRANCH
USE THE SWITCH KIT GUIDE | PERSONAL USER GUIDE
To get started, you will need to apply for a new account at your local First Independent Bank branch or via our easy online application. Click the Apply for an Account at Your Local Branch or Apply for an Account Online button below to get started with your preferred application method.
This savings account is available to individuals of any age. A parent or legal guardian must be a joint account owner for all accounts associated with a minor. This may be the right savings account option for you if you plan to maintain a higher balance in your account and continue to grow your savings over time!
*Third-party message, data, and/or internet service provider rates may apply.
Thank you for considering us as your new bank! To get started, you will need to apply for an account at your local First Independent Bank branch or via our easy online application. Use our Switch Kit Guide to prepare for your transition to a First Independent Bank account in advance for a streamlined experience. Click the Apply for an Account at Your Local Branch, Use the Switch Kit Guide | Personal User Guide, or Apply for an Account Online button below to get started with your preferred application method.
APPLY FOR AN ACCOUNT AT YOUR LOCAL BRANCH
USE THE SWITCH KIT GUIDE | PERSONAL USER GUIDE
To get started, you will need to apply for a new account at your local First Independent Bank branch or via our easy online application. Click the Apply for an Account at Your Local Branch or Apply for an Account Online button below to get started with your preferred application method.
This savings account is available to individuals of any age who are covered by an HDHP (High-Deductible Health Plan), not covered by a non-HDHP (High-Deductible Health Plan) (exceptions apply), not enrolled in Medicare, and are not eligible to be claimed as a dependent on a federal income tax return. This may be the right savings account option for you if you plan to save for health-related expenses or if you’re looking for an account with tax advantages. Consult your trusted tax advisor or health insurance provider for eligibility requirements and details.
*Third-party message, data, and/or internet service provider rates may apply.
*An HSA (Health Savings Account) is a type of savings account where you deposit money that can later be used for qualified medical, dental, and vision expenses at any age. Some health insurance premiums may also be considered eligible expenses. Account balances carry over each year and remain with you regardless of your employment status or health care coverage in the future. Contribution limits are determined by the IRS and are subject to change each year. Consult your trusted tax advisor or health insurance provider for eligibility requirements and details.
This coverage is available to individuals of any age who are covered by an HDHP (High-Deductible Health Plan), not covered by a non-HDHP (High-Deductible Health Plan) (exceptions apply), not enrolled in Medicare, and are not eligible to be claimed as a dependent on a federal income tax return. They must also have individual health plans that are effective Wednesday, January 1, 2025. Contribution limits are determined by the IRS and are subject to change each year. Consult your trusted tax advisor or health insurance provider for eligibility requirements and details.
This coverage is available to individuals of any age who are covered by an HDHP (High-Deductible Health Plan), not covered by a non-HDHP (High-Deductible Health Plan) (exceptions apply), not enrolled in Medicare, and are not eligible to be claimed as a dependent on a federal income tax return. They must also have family health plans that are effective Wednesday, January 1, 2025. Contribution limits are determined by the IRS and are subject to change each year. Consult your trusted tax advisor or health insurance provider for eligibility requirements and details.
Thank you for considering us as your new bank! To get started, you will need to apply for an account at your local First Independent Bank branch or via our easy online application. Use our Switch Kit Guide to prepare for your transition to a First Independent Bank account in advance for a streamlined experience. Click the Apply for an Account at Your Local Branch, Use the Switch Kit Guide | Personal User Guide, or Apply for an Account Online button below to get started with your preferred application method.
APPLY FOR AN ACCOUNT AT YOUR LOCAL BRANCH
USE THE SWITCH KIT GUIDE | PERSONAL USER GUIDE
To get started, you will need to apply for a new account at your local First Independent Bank branch or via our easy online application. Click the Apply for an Account at Your Local Branch or Apply for an Account Online button below to get started with your preferred application method.
This savings account is available to individuals of any age. A parent or legal guardian must be a joint account owner for all accounts associated with a minor. This may be the right savings account option for you if you feel comfortable locking in your savings for a fixed period of time or if you’re looking for an account with an even more competitive rate than our other savings account options. However, it’s important to consider your savings and investment goals when choosing your term so that you can avoid any early withdrawals.
*Third-party message, data, and/or internet service provider rates may apply.
*A CD (Certificate of Deposit) Account is a type of savings account where you deposit money for a fixed period of time, which is commonly referred to as a “term.” During the term, interest rates are accrued on the quarterly balance, and the interest can be paid out electronically. A “fixed” interest rate means that the interest rate will not change during the selected term. A “variable” interest rate means that the interest rate could change during the selected term. You can remove your initial deposit at any time as well, however, you will incur a penalty for early withdrawal. At the end of the term, you’re able to remove your initial deposit and any accrued interest without any additional fees. It’s important to consider your savings and investment goals and risk tolerance when choosing your term.
| TERM | MINIMUM DEPOSIT AND BALANCE | INTEREST RATE | ANNUAL PERCENTAGE YIELD | PENALTY FOR EARLY WITHDRAWAL |
|---|---|---|---|---|
TERM 3-Month Fixed Rate | MINIMUM DEPOSIT AND BALANCE $2,500.00 | INTEREST RATE 1.50% | ANNUAL PERCENTAGE YIELD 1.51% | PENALTY FOR EARLY WITHDRAWAL 91 Days Interest |
TERM 6-Month Fixed Rate | MINIMUM DEPOSIT AND BALANCE $2,500.00 | INTEREST RATE 1.50% | ANNUAL PERCENTAGE YIELD 1.51% | PENALTY FOR EARLY WITHDRAWAL 91 Days Interest |
TERM 7-Month Fixed Rate Special | MINIMUM DEPOSIT AND BALANCE $2,500.00 | INTEREST RATE 3.95% | ANNUAL PERCENTAGE YIELD 4.01% | PENALTY FOR EARLY WITHDRAWAL 91 Days Interest |
TERM 12-Month Fixed Rate | MINIMUM DEPOSIT AND BALANCE $1,000.00 | INTEREST RATE 1.50% | ANNUAL PERCENTAGE YIELD 1.51% | PENALTY FOR EARLY WITHDRAWAL 91 Days Interest |
TERM 13-Month Fixed Rate Special | MINIMUM DEPOSIT AND BALANCE $2,500.00 (New Money Only) | INTEREST RATE 4.15% | ANNUAL PERCENTAGE YIELD 4.22% | PENALTY FOR EARLY WITHDRAWAL 182 Days Interest |
TERM 15-Month Fixed Rate Special | MINIMUM DEPOSIT AND BALANCE $1,000.00 | INTEREST RATE 3.83% | ANNUAL PERCENTAGE YIELD 3.89% | PENALTY FOR EARLY WITHDRAWAL 182 Days Interest |
TERM 17-Month Fixed Rate Special | MINIMUM DEPOSIT AND BALANCE $1,000.00 | INTEREST RATE 3.83% | ANNUAL PERCENTAGE YIELD 3.89% | PENALTY FOR EARLY WITHDRAWAL 182 Days Interest |
TERM 18-Month Fixed Rate | MINIMUM DEPOSIT AND BALANCE $1,000.00 | INTEREST RATE 1.50% | ANNUAL PERCENTAGE YIELD 1.51% | PENALTY FOR EARLY WITHDRAWAL 182 Days Interest |
TERM 24-Month Variable Rate Special | MINIMUM DEPOSIT AND BALANCE $25,000.00 | INTEREST RATE 4.35% | ANNUAL PERCENTAGE YIELD 4.42% | PENALTY FOR EARLY WITHDRAWAL 182 Days Interest |
TERM 30-Month Fixed Rate | MINIMUM DEPOSIT AND BALANCE $1,000.00 | INTEREST RATE 1.50% | ANNUAL PERCENTAGE YIELD 1.51% | PENALTY FOR EARLY WITHDRAWAL 182 Days Interest |
TERM 48-Month Fixed Rate | MINIMUM DEPOSIT AND BALANCE $1,000.00 | INTEREST RATE 1.71% | ANNUAL PERCENTAGE YIELD 1.72% | PENALTY FOR EARLY WITHDRAWAL 182 Days Interest |
*Member FDIC. Equal Housing Lender. Terms and specials are accurate as of Tuesday, July 1, 2025. A copy of the current rate sheet will be provided to you upon initial account opening or at any time upon request. The 13-Month Fixed Rate CD (Certificate of Deposit) requires an initial minimum deposit of $2,500.00 new money only. “New Money” are funds that are not currently on deposit at First Independent Bank. Funds must be deposited from an external source (financial institution, cash, etc.). Additional initial funds to the 13-Month Fixed Rate CD (Certificate of Deposit) do not have to be new money. The 13-Month Fixed Rate CD (Certificate of Deposit) will automatically renew into a 12-Month Fixed Rate CD (Certificate of Deposit) upon maturity. The 24-Month Variable Rate CD (Certificate of Deposit) can be added to one time during the current term at a minimum of $1,000.00. The 24-Month Variable Rate CD (Certificate of Deposit) can be withdrawn from penalty-free one time during the current term for up to 50% of the original balance. The 24-Month Variable Rate CD (Certificate of Deposit) is not available in connection with an IRA. The 24-Month Variable Rate CD (Certificate of Deposit) will automatically renew into an 18-Month Fixed Rate CD (Certificate of Deposit) upon maturity. The 24-Month Variable Rate CD (Certificate of Deposit) interest rate is based on WSJ (Wall Street Journal) Prime minus a margin of 3.15%. The 24-Month Variable Rate CD (Certificate of Deposit) rate will never be more than 8.50% or less than 2.50%. Earnings are compounded or paid quarterly and electronically only. Fees could reduce the earnings on the account. Rates are subject to change. Terms are subject to change.
Thank you for considering us as your new bank! To get started, you will need to apply for an account at your local First Independent Bank branch or via our easy online application. Use our Switch Kit Guide to prepare for your transition to a First Independent Bank account in advance for a streamlined experience. Click the Apply for an Account at Your Local Branch, Use the Switch Kit Guide | Personal User Guide, or Apply for an Account Online button below to get started with your preferred application method.
APPLY FOR AN ACCOUNT AT YOUR LOCAL BRANCH
USE THE SWITCH KIT GUIDE | PERSONAL USER GUIDE
To get started, you will need to apply for a new account at your local First Independent Bank branch or via our easy online application. Click the Apply for an Account at Your Local Branch or Apply for an Account Online button below to get started with your preferred application method.
This savings account is available to individuals of any age. This may be the right savings account option for you if you plan to save for retirement and are looking for an account with potential tax advantages. We also accept IRA (Individual Retirement Account) transfers, direct rollovers, and indirect rollovers from your current 401(k) Employer-Sponsored Retirement Account. Consult your trusted tax advisor for eligibility requirements and details.
*Third-party message, data, and/or internet service provider rates may apply.
*An IRA (Individual Retirement Account) is a type of retirement savings account where you can build your cash reserves and potentially experience tax advantages based on the type of IRA (Individual Retirement Account) that you choose. Consult your trusted tax advisor for eligibility requirements and details.
This savings account is available to individuals of any age. This may be the right savings account option for you if you are 70.50 years of age or younger and have earned income, which is all wages, salaries, tips, and other taxable employee pay. We also accept IRA (Individual Retirement Account) transfers, direct rollovers, and indirect rollovers from your current 401(k) Employer-Sponsored Retirement Account. Consult your trusted tax advisor for eligibility requirements and details.
This savings account is available to individuals of any age. This may be the right savings account option for you if you are 25 years of age or younger and expect to be in a higher tax bracket in the future. We also accept IRA (Individual Retirement Account) transfers, direct rollovers, and indirect rollovers from your current 401(k) Employer-Sponsored Retirement Account. Consult your trusted tax advisor for eligibility requirements and details.
| TERM | MINIMUM DEPOSIT AND BALANCE | INTEREST RATE | ANNUAL PERCENTAGE YIELD | PENALTY FOR EARLY WITHDRAWAL |
|---|---|---|---|---|
TERM 48-Month Fixed Rate | MINIMUM DEPOSIT AND BALANCE $1,000 | INTEREST RATE 3.50% | ANNUAL PERCENTAGE YIELD 3.55% | PENALTY FOR EARLY WITHDRAWAL 182 Days Interest |
Thank you for considering us as your new bank! To get started, you will need to apply for an account at your local First Independent Bank branch or via our easy online application. Use our Switch Kit Guide to prepare for your transition to a First Independent Bank account in advance for a streamlined experience. Click the Apply for an Account at Your Local Branch, Use the Switch Kit Guide | Personal User Guide, or Apply for an Account Online button below to get started with your preferred application method.
APPLY FOR AN ACCOUNT AT YOUR LOCAL BRANCH
USE THE SWITCH KIT GUIDE | PERSONAL USER GUIDE
To get started, you will need to apply for a new account at your local First Independent Bank branch or via our easy online application. Click the Apply for an Account at Your Local Branch or Apply for an Account Online button below to get started with your preferred application method.
We would be delighted to further assist you with any questions you may still have about Savings Accounts! Click the Contact Us button below to get in touch with a trusted team member at your local First Independent Bank! Consult your trusted tax advisor or health insurance provider for eligibility requirements and details for the HSA (Health Savings Account) or IRA (Individual Retirement Account) options.
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