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


APY = Annual Percentage Yield. Rates effective as of September 15, 2020.

Certificates of Deposit (CDs) Learn More

CD Term Rate APY Minimum Balance
18 Months - Compounded Quarterly 0.35% 0.35% $500
4 Year - Compounded Quarterly 0.55% 0.55% $500
5 Year - Compounded Quarterly 0.80% 0.80% $500 


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 September 15, 2020.

Auto & Boat Loans

Loan Type Interest Rate with Auto Debit from CIB Checking Account APR* Term Length
NEW CAR 2019-2021  FIXED 3.99% 4.29% UP TO 60 MONTHS
USED CAR 2016 - 2018 FIXED 4.49% 4.54% UP TO 60 MONTHS
USED CAR 2015 & OLDER FIXED 6.24% 6.30% UP TO 48 MONTHS

*Annual Percentage Rate=APR.  APR listed assumes $25,000 loan at maximum term.  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 2019-2021: $10,000 borrowed, $184.12 per month for 60 months, APR= 4.19%
Used Car 2016-2018: $10,000 borrowed, $187.34 per month for 60 months, APR=4.70%
Used Car 2015 & Older: $10,000 borrowed, $237.18 per month for 48 months, APR= 6.51%