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 1-800-842-2121, for more information on our mortgage products and rates.

Rates are effective as of: October 17th, 2019

ProductRateAPRPayment
30-year Conventional3.750%3.828%$463
20-year Conventional3.625%3.733%$586
15-year Conventional3.125%3.263%$697
30-year Federal Housing Administration3.250%3.993%$443
30-year Veterans Administration3.250%3.431%$441
30-year USDA Rural Development3.125%3.634%$433
Rates listed above are on a base loan amount of $100,000.00 with loan-to-value of 80% and a FICO of 740. Payment examples are rounded to the nearest whole dollar. Payment examples do not include amounts for taxes or insurance premium. 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 September 22, 2019.
 

IncredibleBank Checking Plus 

RateAnnual Percentage Yield (APY)
0.35%0.35%
  • At our discretion, rates may change at any time after account is opened.
  • $100 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 BalanceRateAnnual Percentage Yield (APY)
$0 - $999.990.20%0.20%
$1,000 - $9,999.990.35%0.35%
$10,000 & above0.50%0.50%
  • At our discretion, rates may change at any time after account is opened.
  • $50 minimum deposit to open an account.
  • Account fees may reduce your earnings.


IncredibleBank Money Market

Daily BalanceRateAnnual Percentage Yield (APY)
$0 - $9,999.990.20%0.20%
$10,000 - $49,999.990.50%0.50%
$50,000 - $149,999.990.90%0.90%
$150,000 - $299,999.991.20%1.21%
$300,000 & above1.90%1.92%
  • At our discretion, rates may change at any time after account is opened.
  • $100 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.


Incredible Business Money Market & Incredible Municipal Money Market

Daily BalanceRateAnnual Percentage Yield (APY)
$0 - $24,999.990.20%0.20%
$25,000 - $249,999.990.50%0.50%
$250,000 & above1.25%1.26%
  • At our discretion, rates may change after the account is opened.
  • $2,500 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

ProductRateAnnual Percentage Yield (APY)
12 Month CD, Traditional IRA and Roth IRA1.00%1.00%
24 Month CD, Traditional IRA and Roth IRA1.25%1.26
36 Month CD, Traditional IRA and Roth IRA1.40%1.41%
60 Month CD, Traditional IRA and Roth IRA1.85%1.86%
  • $100 minimum deposit to open an account.
  • A penalty may be imposed for early withdrawal.
  • Account fees may reduce your earnings.