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Rates
Explore our current rates for personal deposit accounts and loans. Whether you're saving for the future or financing a big purchase, our competitive rates are designed with you in mind.
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 updated on business days by 9:00AM CT and are subject to change.
Mortgage
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.
*APR stands for Annual Percentage Rate.
All rates and APYs listed below are accurate as of [current-date].
InFocus Checking
- At our discretion, rates may change at any time after account is opened.
- You must deposit $25 to open this account.
- Account fees may reduce your earnings.
- Keep a daily balance of $2,500 to waive the $7 monthly account balance maintenance fee.
InSight Savings
- At our discretion, rates may change at any time after account is opened.
- You must deposit $25 to open this account.
- Account fees may reduce your earnings.
InFocus Personal Money Market
- At our discretion, rates may change at any time after account is opened.
- You must deposit $25 to open this account.
- Account fees may reduce your earnings.
- Keep a daily balance of $2,500 to waive the $10 monthly account balance maintenance fee.
Health Savings Account (HSA)
- At our discretion, rates may change at any time after account is opened.
- Account fees may reduce earnings.
- Refer to www.irs.gov for HSA contribution limits, restrictions and general program guidance.
Business Money Market
- 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 $25 will be imposed each statement cycle if the minimum balance is less than $2,500 on any day within that statement cycle.
CDs, IRAs, and Roth IRAs
- $1,000 minimum deposit to open an account
- A penalty may be imposed for early withdrawal (excludes 6 Month CD).