Skip to content

Rates

To view mortgage loan, home equity loan, and home equity line rates, visit CIB Mortgage Connect.

Current Mortgage Rates 

 

Certificates of Deposit (CDs) Learn More

CD Term Rate APY Minimum Balance
6 Month Certificate2,3 4.94% 5.00% $10,000
9 Month Certificate2 4.18% 4.25% $10,000
15 Month Certificate2 4.33% 4.40% $10,000
24 Month Certificate 3.94% 4.00% $1,000

 

Interest rates on all interest-bearing accounts are determined by the bank and may be adjusted at the bank's discretion. Annual percentage yield (APY) assumes principal and interest remain on deposit for the term of the certificate.  A penalty may be assessed for early withdrawal.  Fees could reduce the earnings on the account.  Minimum deposit and method of compounding may vary on the certificates. Maximum deposit of $250,000.  Certificates automatically renew upon maturity. Some CD’s may not be eligible for brokerage deposits, institutional investors or public funds. Rates effective March 8, 2024.

1Not available online, contact branch to open.

2Excludes individual Retirement Account (IRA) Funds.

3 50% or more of CD funds must be new to CIB to receive rate. Alternative rate for existing CIB funds will be 4.45% rate with 4.50% APY

Kasasa Cash* Learn More

Balance Rate APY
0 - $25,000 5.84% 6.00%
$25,000+ 0.25% 6.00% to 1.40%
All balances if qualifications not met 0.05% 0.05%

Qualifications

  • At least 15 debit card purchases
  • At lease 1 direct deposit, ACH payment, or ACH credit transaction(s)
  • Be enrolled in and agree to receive eStatements

*When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Kasasa Cash account earn an Annual Percentage Yield (APY) of 6.00%; and daily balances over $25,000 earn an APY of 0.25%, resulting in a blended APY between 6.00%-1.40% depending on the account's daily balance. Kasasa Saver balances up to $100,000 earn an APY of 2.0% and daily balances over $100,000 will earn an APY of .25% resulting in a blended APY depending on the account's daily balance. APY rates effective as of 05/13/2024. You will receive reimbursements of ATM fees up to $25 for ATM transactions incurred within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified. NOTE: Kasasa Saver ATM transaction fees are not reimbursed.

When your Kasasa Cash qualifications are not met during a Monthly Qualification Cycle, the account balance in Kasasa Cash and Kasasa Saver will earn an APY of 0.05% and ATM withdrawal fees are not refunded.

Interest will be credited to your Kasasa Cash and Kasasa Saver account(s) on the last day of the current statement cycle. Rates are variable and may change after account is opened and without notice to you. Minimum opening deposit of $25 is required. Early closing fee of $10 if closed within 90 days and other fees may apply. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact a banker for additional information. Member FDIC.

Debit card transactions need to post and settle to the account during the cycle period.

Trademarks: Kasasa, Kasasa Cash and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Saver* Learn More

Balance Rate APY
0 - $100,000 1.98% 2.00%
$100,000+ 0.25% 2.00% to 1.13%
All balances if qualifications not met 0.05% 0.05%

Qualifications

  • At least 15 debit card purchases
  • At lease 1 direct deposit, ACH payment, or ACH credit transaction(s)
  • Be enrolled in and agree to receive eStatements

*When your linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances up to $100,000 in your Kasasa Saver account earn an Annual Percentage Rate (APY) of 2.0% and daily balances over $100,000 will earn an APY of .25% resulting blended APY depending on the account's daily balance. APY accurate as of 05/13/2024.

When your linked Kasasa Cash or Kasasa Cash Back account qualifications are not met, the entire daily balance in the Kasasa Saver account earns an APY of .05%.

Interest will be credited to your Kasasa Saver account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Minimum opening deposit of $25 is required to open the account. There are no recurring monthly maintenance charges or fees to open account; Early closing fee of $10 if within 90 days and other fees may apply. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Contact a banker for additional information. Member FDIC.

Kasasa, Kasasa Cash, Kasasa Cash Back, and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Auto Loans

Loan Type Interest Rate with Auto Debit from CIB Checking Account APR* Term Length
NEW CAR 2021-2023  FIXED 7.50% 7.72% UP TO 60 MONTHS
USED CAR 2017 - 2020 FIXED 8.00% 8.22% UP TO 60 MONTHS
USED CAR 2016 & OLDER FIXED 8.50% 8.72% UP TO 60 MONTHS

*Annual Percentage Rate=APR.  APR listed assumes $10,000 loan at maximum term. Loan Doc Fee of $50. Actual APR will depend on loan amount and term length. Rates are determined by the bank and may be adjusted at the bank's discretion.  

Repayment examples:
New Car 2021-2023: $10,000 borrowed, $201.42 per month for 60 months, APR= 7.72%
Used Car 2017-2020: $10,000 borrowed, $203.82 per month for 60 months, APR=8.22%
Used Car 2016 & Older: $10,000 borrowed, $206.24 per month for 60 months, APR= 8.72%