May 

Rates

Mortgage Rates

IncredibleBank has a variety of home loan products to match your needs and goals. Reach out to one of our local lenders, or call 1-888-842-0221, for more information on our mortgage products and rates.

Rates are effective as of: December 20, 2024

Product Interest Rate Annual Percentage Rate (APR) Points Payment
30-year Conventional 7.000% 7.087%
 0.000 $1164
20-year Conventional
6.625%
 6.737% 0.000
$1317
15-year Conventional 6.375% 6.514% 0.000 $1512
10-year Conventional 6.250% 6.446% 0.000 $1964
Rates listed above are on a primary residence with a base loan amount of $175,000.00 with loan-to-value of 70%, FICO of 740, and debt-to-income of 40%. Payment examples are rounded to the nearest whole dollar. Payment examples do not include amounts for taxes or insurance premiums. If applicable, the actual payment obligation will be greater. Annual Percentage Rates (APR) and interest rates may vary based on the terms of the loan selected, underwriting, credit history, down payment and debt-to-income ratio. All loans are subject to underwriting and credit approval. Rates are subject to change without notice.

Deposit Rates

All rates and APYs listed below are accurate as of December 4, 2024.

IncredibleBank Checking Plus 

Interest Rate Annual Percentage Yield (APY)
0.05% 0.05%
  • At our discretion, rates may change at any time after account is opened.
  • No minimum deposit to open an account. 
  • Account fees may reduce your earnings.
  • A maintenance fee of $10 will be imposed each statement cycle that the average ledger balance is less than $10,000 for that cycle.


IncredibleBank Savings

Daily Balance Interest Rate Annual Percentage Yield (APY)
$0 - $999.99 0.01% 0.01%
$1,000 - $9,999.99 0.03% 0.03%
$10,000 & above 0.10% 0.10%
  • At our discretion, rates may change at any time after account is opened.
  • No minimum deposit to open an account. 
  • Account fees may reduce your earnings.


IncredibleBank Personal Money Market

Daily Balance Interest Rate Annual Percentage Yield (APY)
$0 - $9,999.99 0.25% 0.25%
$10,000 - $49,999.99 1.5% 1.51%
$50,000 - $99,999.99 1.75% 1.76%
$100,000 - $249,999.99 2.25% 2.27%
$250,000 - $499,999.99 2.96% 3.00%
$500,000 - $999,999.99 2.96% 3.00%
$1,000,000 & above 2.96% 3.00%
  • At our discretion, rates may change at any time after account is opened.
  • No minimum deposit to open an account. 
  • Account fees may reduce your earnings.
  • A maintenance fee of $10 will be imposed each statement cycle that the average ledger balance is less than $5,000 for that cycle.


IncredibleBank HSA

Daily Balance Interest Rate Annual Percentage Yield (APY)
$0 - $999.99 0.00% 0.00%
$1,000 - $9,999.99 0.05% 0.05%
$10,000 - $24,999.99 0.25% 0.25%
$25,000 & above 0.45% 0.45%
  • At our discretion, rates may change at any time after account is opened.
  • No minimum deposit to open an account.
  • Account fees may reduce your earnings.
  • Refer to www.irs.gov for HSA contribution limits, restrictions and general program guidance.


Incredible Business Money Market

Daily Balance Interest Rate Annual Percentage Yield (APY)
$0 - $24,999.99 0.25% 0.25%
$25,000 - $49,999.99 0.50% 0.50%
$50,000 - $249,999.99 1.00% 1.01%
$250,000 - $999,999.99 2.00% 2.02%
$1,000,000 & above 2.96% 3.00%
  • At our discretion, rates may change after the account is opened.
  • No minimum deposit to open an account.
  • Account fees may reduce your earnings.
  • A maintenance fee of $25 will be imposed if the minimum balance is less than $2,500 on any day within the statement cycle.


CDs, IRAs, and Roth IRAs

Product Interest Rate Annual Percentage Yield (APY)
6 Month CD 3.75% 3.79%
12 Month CD, Traditional IRA and Roth IRA 3.50% 3.55%
18 Month CD 3.50% 3.55%
30 Month CD 3.00% 3.03%
60 Month CD, Traditional IRA and Roth IRA 0.75% 0.75%
  • $1,000 minimum deposit to open an account.
  • A penalty may be imposed for early withdrawal.
  • Account fees may reduce your earnings.