Indiana First Savings Bank

LoginSecure Online Banking

Business Banking

Login

Convenience Services

Rates

Deposit Rates
CD Rates
CD Promotions
IRA Rates

Mortgage Rates
Home Equity Rates
Auto Rates
Personal Loan Rates

Deposit Rates

Account TypeMin Deposit to OpenMin Balance to Obtain APYInterest RateAPY
Kasasa Cash - Qualify*$100.00$0.01 - $25,000.002.4718%2.50%*
Kasasa Cash - Qualify*$100.00$25,000.01+ Assuming a maximum balance of $125,000 and blending the below cap rate with the above cap rate.0.50%2.50% - 0.90%*
Kasasa Cash - Did Not Qualify*$100.00$0.01+0.05%0.05%*
Kasasa Cash Back*$100.00N/AN/AN/A
Kasasa Saver - Qualify*$100.00$0.01 - $100,000.000.9954%1.00%*
Kasasa Saver - Qualify*$100.00$100,000.01+ Assuming a maximum balance of $250,000 and blending the below cap rate with the above cap rate.1.50%1.00% - 1.30%*
Kasasa Saver - Did Not Qualify*$100.00$0.01+0.05%0.05%*
Small Bus Checking w/ Interest$100.00$0.01 - $9,999.000.05%0.05%
Small Bus Checking w/ Interest$100.00$10,000.00 - $24,999.990.05%0.05%
Small Bus Checking w/ Interest$100.00$25,000.00 and over0.05%0.05%
Interest Checking$100.00$0.010.05%0.05%
Evergreen Checking$100.00$0.010.05%0.05%
Statement Savings$100.00$0.01 - $24,999.000.25%0.25%
Statement Savings$100.00$25,000.00 - $74,999.000.25%0.25%
Statement Savings$100.00$75,000.00 +0.40%0.40%
Holiday Club$0.01$0.010.25%0.25%
Money Market$2,500.00$0.01 - $2,499.990.10%0.10%
Money Market$2,500.00$2,500.00 - $24,999.990.30%0.30%
Money Market$2,500.00$25,000.00 - $74,999.990.35%0.35%
Money Market$2,500.00$75,000.00 +0.40%0.40%

CD Rates

Account TypeMin Deposit to OpenMin Balance to Obtain APYInterest RateAPY
3 Month CD$500.00$500.000.15%0.15%
6 Month CD$500.00$500.000.25%0.25%
1 Year CD$500.00$500.000.30%0.30%
2 Year CD$500.00$500.000.35%0.35%
3 Year CD$500.00$500.000.50%0.50%
4 Year CD$500.00$500.000.80%0.80%
5 Year CD$500.00$500.001.10%1.10%

IRA Rates

Account TypeMin Deposit to OpenMin Balance to Obtain APYInterest RateAPY
6 Month IRA$500.00$500.000.25%0.25%
1 Year IRA$500.00$500.000.30%0.30%
2 Year IRA$500.00$500.000.35%0.35%
3 Year IRA$500.00$500.000.50%0.50%
4 Year IRA$500.00$500.000.80%0.80%
5 Year IRA$500.00$500.001.10%1.10%


All Deposit Rates effective as of 11/21/2017

APY stands for 'Annual Percentage Yield'

*Kasasa Disclosures

Mortgage Rates

ProductRateAPRPayment Per $1000
10 Year Fixed Rate Mortgage3.500%3.595%$9.89
15 Year Fixed Rate Mortgage4.375%4.442%$7.59
15 Year Fixed Rate Mortgage*3.375%3.440%$7.08
20 Year Fixed Rate Mortgage4.750%4.804%$6.46
20 Year Fixed Rate Mortgage*3.750%4.181%$5.93
30 Year Fixed Rate Mortgage5.000%5.040%$5.37
30 Year Fixed Rate Mortgage*4.000%4.314%$4.77

Certain conditions and other fees may apply. Offer of credit is subject to credit approval. Cost of appraisal, if required, must be paid by applicant. Homeowner's insurance is required; flood insurance may be required. Offer subject to change or withdrawal without notice. In above example, Mortgage APR is calculated based on a $100,000.00 loan with a $300.00 loan origination fee. Fixed-Rate Mortgage: 80% loan-to-value (LTV). For loans secured by a first lien on the dwelling, payment does not include taxes and insurance premiums so the actual payment amount will be greater if included. LTV greater than 80% subject to Private Mortgage Insurance (PMI) approval. Payments per $1000 are monthly payments.
*Secondary market loans. Title insurance required. Post-settlement delivery fee applies.

*No bi-weekly loans are offered at this time.

Home Equity Rates

ProductRateAPRPayment Per $1000
36 Month Home Equity Loan Special*3.000%3.002%$29.08
36 Month Home Equity Loan**4.000%4.204%$29.52
60 Month Home Equity Loan Special *3.250%3.252%$18.08
60 Month Home Equity Loan**4.000%4.126%$18.42
120 Month Home Equity Loan Special*3.500%3.500%$9.89
120 Month Home Equity Loan**4.625%4.695%$10.42
180 Month Home Equity Loan Special*4.190%4.191%$7.49
180 Month Home Equity Loan**5.125%5.176%$7.97
240 Month Home Equity Loan Special *5.500%5.508%$6.88
240 Month Home Equity Loan**6.000%6.042%$7.16
Home Equity Line of Credit Special***0.990%0.990%$6.37
Home Equity Line of Credit****4.250%4.251%$9.05

* Home Equity Loan Specials - (HELOAN) Rates accurate as of 10/2/2017.  Offer is based on first lien loans, a loan to value up to 80%, on an owner-occupied primary residence, subject to credit approval. Cannot be a purchase money mortgage.  Rate will be honored for second lien loans up to 89% providing the 1st lien is with Indiana First Bank. In order to receive offered rate, a minimum advance of $5,000 new money is required.  Flood insurance is required where necessary.  Taxes and property insurance are required.  Using the chart above, you can calculate your monthly payment per $1,000 borrowed, or call us for assistance.  All fees are currently waived.  Consult your tax advisor about the deductibility of interest.  Offer subject to change or be withdrawn at any time. All loans subject to approval.

** Home Equity Loan Non-specials - (HELOAN) Rates accurate as of 10/2/2017. Offer based on loan requests, where Indiana First Bank would not be the first lien holder.  Cost of appraisal and closing fees are the responsibility of the applicant.  Flood insurance is required where necessary.  Taxes and property insurance are required. Using the chart above, you can calculate your monthly payment per $1,000 borrowed, or call us for assistance. Consult your tax advisor about the deductibility of interest.  Offer subject to change or be withdrawn at any time. All loans subject to approval.

*** Home Equity Line of Credit Special (HELOC) Revolving Line - Rates accurate as of 10/02/2017. After the .99% Annual Percentage rate (APR) 6-month introductory period, the APR will be a variable rate based on Wall Street Journal Prime Rate (4.25% as of September 1, 2017) with a minimum rate of 1.00% and a maximum rate of 18%.  Prime may change at any time and is subject to change without notice.  The introductory period begins on the date of account opening.  After the introductory period ends, any remaining balance will automatically convert to the variable APR per the terms of the Home Equity Line of Credit Agreement.  Offer is based on a loan to value of 89% on an owner-occupied primary residence, subject to credit approval, and cannot be a purchase money mortgage.  Taxes and property insurance are always required and flood insurance is required, if applicable.  Consult your tax advisor about the deductibility of interest.  Offer subject to change or be withdrawn at any time.

**** Home Equity Line of Credit (Revolving Line) - The Annual Percentage Rate is based on Prime Rate, which may vary and change without notice. (As of 6-15-2017, the Prime Rate is 4.25%.) Minimum APR is 1.00%; maximum is 16%. Minimum monthly payment $100. Non-refundable document preparation fee of 75.00. No annual fee. Certain conditions and other fees apply. Offer of credit is subject to credit approval. Cost of appraisal, if required, must be paid by applicant. Homeowner's insurance is required; flood insurance may be required. A balloon payment may result if only minimum payments are made. Offer subject to change or withdrawal without notice. Payments per $1000 are monthly. If refinancing an existing Indiana First Bank loan, a minimum of $5000 new money must be borrowed. 
 
All Loan Rates effective as of 11/21/2017

 


Auto Loan Rates

ProductRateAPRPayment Per $1000
Up to 60 Month New Auto Loan - 2017 Model3.490%3.589%$18.19
61-72 Month New Auto Loan - 2017 Model3.740%3.824%$15.53
60 Month Used Auto Loan - 2013 Model & Newer4.490%4.589%$18.64
Up To 48 Months4.490%4.612%$22.80
Up To 36 Months4.740%4.900%$29.86

Auto loan rates are calculated based on a $10,000.00 loan with a $25.00 non-refundable document preparation fee. Certain conditions and other fees may apply. Offer of credit is subject to credit approval.  


Personal Loan Rates

ProductRateAPR
2 Year Personal Loan8.49%8.49%
3 Year Personal Loan8.49%8.49%
4 Year Personal Loan8.49%8.49%
5 Year Personal Loan8.49%8.49%

 

*A $10,000.00 loan at 8.49% annual percentage rate (APR) for 60 months will result in a monthly payment of $205.12. A $10,000.00 loan at 8.49% APR for 48 months will result in a monthly payment of $246.44. A $10,000.00 loan at 8.49%% APR for 36 months will result in a monthly payment of $315.63. A $10,000.00 loan at 8.49% APR for 24 months will result in a monthly payment of $454.51. All offers are subject to credit approval. Maximum loan amount to any one borrower is $10,000.00. Offer may be withdrawn at any time without notice. Rates are subject to change without notice. Other terms and rates may apply. Document preparation fee is waived for a limited time.

 

  
 
    Find us on Facebook
FDIC Equal Housing Lender