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 10, 2025

Product Interest Rate Annual Percentage Rate (APR) Points Payment
30-year Conventional 6.375% 6.459%
 0.000 $1091
20-year Conventional
6.125%
 6.235% 0.000 $1266
15-year Conventional 5.625% 5.761% 0.000 $1441
10-year Conventional 5.500% 5.693% 0.000 $1899
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 1, 2025.

InFocus Checking 

Interest Rate Annual Percentage Yield (APY)
0.05% 0.05%
  • 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 $2,500 daily account balance and have the $7 monthly maintenance fee waived.


InSight Savings

Interest Rate Annual Percentage Yield (APY)
0.10% 0.10%
  • 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.


Personal Money Market

Daily Balance Interest Rate Annual Percentage Yield (APY)
< $25,000 0.25% 0.25%
$25,000 - $49,999.99 1.50% 1.51%
$50,000 - $99,999.99 1.75% 1.77%
$100,000 - $249,999.99 2.10% 2.12%
$250,000 - $499,999.99 2.40% 2.43%
$500,000 + 2.55% 2.58%
  • 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 $2,500 daily account balance to have the $10 monthly maintenance fee waived.


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.
  • Account fees may reduce your earnings.
  • Refer to www.irs.gov for HSA contribution limits, restrictions and general program guidance.


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 2.70% 2.74%
  • At our discretion, rates may change at any time 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 each statement cycle if the minimum balance is less than $2,500 on any day within that statement cycle.


CDs, IRAs, and Roth IRAs

Product Interest Rate Annual Percentage Yield (APY)
6 Month CD 3.57% 3.60%
12 Month CD, Traditional IRA and Roth IRA 3.21% 3.25%
18 Month CD 3.00% 3.03%
24 Month CD, Traditional IRA and Roth IRA 3.00% 3.03%
30 Month CD 3.00% 3.03%
36 Month CD, Traditional IRA and Roth IRA 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 (excludes 6 Month CD).