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Comparison of Deposit Account from First Internet Bank of Indiana with 3.25% - November 2025

Long-Term Analysis of Home Exchange Bank with 0.85% APY and First Internet Bank of Indiana with 3.25% APY and Hingham Savings with 3.64% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

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Amount

Type

Term

State

Product Name

PRODUCT

BANK

APY

STATE

AMOUNT

TERM

BANK TYPE

VS.NAT.AV.

MIN

LOCAL CD

Home Exchange Bank

0.85%

$50,000

36 Month

Bank

1.13x (National Avg. - 0.75%)

$100,000

SCENARIO

Year	Rate 0.85%	Annual Interest	Annual Interest (After Tax)
1	50,000	425	298
2	50,425	429	300
3	50,854	432	303
4	51,286	436	305
5	51,722	440	308
6	52,161	443	310
7	52,605	447	313
8	53,052	451	316
9	53,503	455	318
10	53,958	459	321
11	54,416	463	324
12	54,879	466	327
13	55,345	470	329
14	55,816	474	332
15	56,290	478	335
16	56,769	483	338
17	57,251	487	341
18	57,738	491	344
19	58,229	495	346
20	58,724	499	349
	TOTAL	$9,223	$6,456

ONLINE MONEY MARKET

First Internet Bank of Indiana

3.25%

$50,000

N.A.

Bank

4.31x (National Avg. - 0.75%)

$1,000

SCENARIO

Year	Rate 3.25%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,625	1,138
2	51,625	1,678	1,174
3	53,303	1,732	1,213
4	55,035	1,789	1,252
5	56,824	1,847	1,293
6	58,671	1,907	1,335
7	60,577	1,969	1,378
8	62,546	2,033	1,423
9	64,579	2,099	1,469
10	66,678	2,167	1,517
11	68,845	2,237	1,566
12	71,082	2,310	1,617
13	73,392	2,385	1,670
14	75,778	2,463	1,724
15	78,240	2,543	1,780
16	80,783	2,625	1,838
17	83,409	2,711	1,898
18	86,119	2,799	1,959
19	88,918	2,890	2,023
20	91,808	2,984	2,089
	TOTAL	$44,792	$31,354

ONLINE CD

Hingham Savings

3.64%

$50,000

9 Month

Online Bank

N.A.

$1,000

SCENARIO

Year	Rate 3.64%	Annual Interest	Annual Interest (After Tax)
1	50,000	1,820	1,274
2	51,820	1,886	1,320
3	53,706	1,955	1,368
4	55,661	2,026	1,418
5	57,687	2,100	1,470
6	59,787	2,176	1,523
7	61,963	2,255	1,579
8	64,219	2,338	1,636
9	66,556	2,423	1,696
10	68,979	2,511	1,758
11	71,490	2,602	1,822
12	74,092	2,697	1,888
13	76,789	2,795	1,957
14	79,584	2,897	2,028
15	82,481	3,002	2,102
16	85,483	3,112	2,178
17	88,595	3,225	2,257
18	91,820	3,342	2,340
19	95,162	3,464	2,425
20	98,626	3,590	2,513
	TOTAL	$52,216	$36,551

All calculations are for demonstration purposes only.

Featured CD Rates

ONLINE BANKS	APY^?	MIN^?
Total Bank, a division of City National Bank of Florida	4.25%	$25,000	Learn More
Last change: ↓0.16% on September 18. 3 Month CD.
Bread Savings, a division of Bread Financial	4.20%	$1,500	Learn More
Last change: ↓0.10% on October 13.
Limelight Bank, A division of Capital Community Bank	4.15%	$1,000	Learn More
Last change: ↓0.15% on October 13.
M.Y. SAFRA BANK, FSB	4.15%	$500	Learn More
Total Bank, a division of City National Bank of Florida	4.10%	$25,000	Learn More
Last change: ↓0.15% on November 26.

Compare Savings vs. CDs Comparison of Deposit Account from First Internet Bank of Indiana with 3.25% - November 2025

Long-Term Analysis of Home Exchange Bank with 0.85% APY and First Internet Bank of Indiana with 3.25% APY and Hingham Savings with 3.64% APY

Featured CD Rates

Compare Savings vs. CDs
Comparison of Deposit Account from First Internet Bank of Indiana with 3.25% - November 2025