Interest Rewards Checking
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Account Features:
- No minimum balance
- No monthly fees
- Free online statements
- Free debit card
Earn 3.95% APY* when you meet these simple qualifications:
- Must have one direct deposit OR automatic withdrawal**; AND
- You must have 25 settled debit card purchases per statement cycle
Get rewarded for the way you like to bank!
If you don't qualify, you still earn interest at the base rate for that monthly qualification cycle.
| Rate Type |
Balance |
Interest Rate |
APY* |
| Special Rate (met qualifications)*** |
$0.01 to $15,000 |
3.875% |
3.95% |
| Market Rate (met qualifications)*** |
$15,000.01 and over |
0.648% |
0.65% |
| Base Rate (did not meet qualifications)*** |
$0.01 and over |
0.399% |
0.40% |
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We print debit cards in Creston! Request a debit card and pick it up the same day at our Adams Street location.
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*APY=Annual Percentage Yield. APY is accurate as of 04/16/2025. Rates are variable and may change after the account is opened. Fees may reduce earnings. Personal accounts only.
**Automatic withdrawals are funds transferred outside of ISSB.
***Interest Rewards Special Rate earned on balances up to $15,000 when you have one direct deposit or one automatic withdrawal, and 25 debit card purchases per statement cycle. Balances above $15,000 will earn interest at the Interest Rewards Market Rate. If electronic banking criteria is not met, all balances will earn at the Interest Rewards Base Rate.
Paper statements are available for $5.00 per month.