Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
1 Rockefeller Plaza
New York, NY 10020

Welcome to INTERVEST NATIONAL BANK Online! Their headquarters is located in the heart of New York City and they maintain a full service banking location at One Rockefeller Plaza, New York, New York. In addition, their Florida Division has six branches serving Clearwater and Pinellas County.

Related Posts

Reviews (3)

Customers BEWARE!

Customers BEWARE!!!!  I have had two C.D.s with this bank. I will never do business with them again. Customer service people are very rude.  I have  8 C.D.s with 6 different banks and never a problem.  I was married and changed my address.  I sent the appropriate paperwork to let them know this, but they would not change the name on the account or the address without a charge of $25. for each change!!!! This was for their benefit--not mine, and  they refused to change either.  It was a mess.  None of my other banks charged anything to make these changes.  They call it a "business" decision.  I call it greed and unethical.


Customer experience was TERRIBLE!  I have had two CDs totaling $200,000. with this bank for almost 10 years.  One of the CDs matured while I was out of state.  My mail was being held at the Post Office so I didn't receive the maturity notice until I returned home and picked up the mail.  I wound up being 19 days late in calling them to retrieve the CD.  So, this "customer friendly" bank charged me $4,543.18 in penalty fees to get my CD.  Seems they have the right to renew the CD at the same 5 year term when you are late retrieving your money and then charge you 2.5 years worth of interest to give you your money.  Can you believe that 19 days cost me that kind of money!  There is no Federal Law that says they have to do this.  It's just their policy!!  SO, BE CAREFUL WHEN YOU DEAL WITH THIS BANK; don't be late and don't make a mistake.  ALL THEY WANT IS YOUR MONEY!  And no wonder Banks are getting such a bad name!!

Good Customer Service. Good Rates.

I've had a good experience with this banks' customer service.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Intervest National Bank had $48.08 million in non-current loans and owned real-estate with $273.21 million in equity and loan loss allowances on hand to cover it. This gives Intervest National Bank a Texas Ratio of 17.60% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Intervest National Bank decreased slightly from 22.66% as of March 31, 2013 to 17.60% as of March 31, 2014, resulting in a positive change of 22.35%.This indicates that the balance sheet and financial strength for Intervest National Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Intervest National Bank has decreased its total deposits by -$13.36 million, resulting in -0.99% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Intervest National Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Intervest National Bank has $1.59 billion in assets with $273.21 million in equity, resulting in a capitalization level of 17.19%, which is excellent.

Institution Statistics

FDIC Certificate #35011
Year Established1999
Primary RegulatorOCC
Assets and Liabilities
Assets$1.59 billion
Loans$1.11 billion
Deposits$1.34 billion
Equity Capital$245.85 million
Loan Loss Allowance$27.37 million
Unbacked Noncurrent Loans$38.75 million
Real Estate Owned$9.34 million
Historic Data - March 2013
Assets$1.62 billion
Equity Capital$259.42 million
Loan Loss Allowance$28.16 million
Unbacked Noncurrent Loans$38.75 million
Real Estate Owned$18.33 million
Profit Margin - Quarterly
Net Interest Margin2.92%
Return on Assets1.06%
Return on Equity6.82%
Interest Income$16.01 million

Always verify rates and promotions with the bank or credit union. We are not Intervest National Bank, we are a rate comparison website and can not provide official rates or promotions.

Intervest National Bank Savings Account Rates

0.30%$500-Regular Savings

Intervest National Bank Money Market Rates

0.45%$1k-IRA Money Market Account
0.43%$100k-Money Market Account

Intervest National Bank Checking Account Rates

0.45%$100k-Interest Checking

Intervest National Bank CD Rates

2.07%$95k-10 Year Jumbo CD
2.05%$2,500-10 Year CD
2.03%$2,500-9 Year CD
2.01%$2,500-8 Year CD
1.99%$2,500-7 Year CD
1.97%$2,500-6 Year CD
1.94%$2,500-5 Year CD
1.58%$2,500-4 Year CD
1.45%$2,500-3 Year CD
1.08%$2,500-30 Month CD
1.01%$2,500-2 Year CD
0.84%$2,500-18 Month CD
0.68%$2,500-1 Year CD
0.30%$2,500-6 Month CD

Intervest National Bank IRA Rates

2.07%$95k-10 Year Jumbo IRA
2.05%$1k-10 Year IRA CD
2.03%$1k-9 Year IRA CD
2.01%$1k-8 Year IRA CD
1.99%$1k-7 Year IRA CD
1.97%$1k-6 Year IRA CD
1.94%$1k-5 Year IRA CD
1.58%$1k-4 Year IRA CD
1.45%$1k-3 Year IRA CD
1.08%$1k-30 Month IRA CD
1.01%$1k-2 Year IRA CD
0.84%$1k-18 Month IRA CD
0.68%$1k-1 Year IRA CD
0.30%$1k-6 Month IRA CD

Intervest National Bank Locations
Intervest National Bank1 Rockefeller PlazaNew York, NY 10020
Belcher Road Branch1875 Belcher Road NorthClearwater, FL 33765
Nursery Road Branch2175 Nursery RoadClearwater, FL 33764
Ulmerton Road Branch2575 Ulmerton RoadClearwater, FL 33762
Mandalay Branch483 Mandalay AvenueClearwater Beach, FL 33767
Intervest Bank Branch625 Court StreetClearwater, FL 33756
Gulfport Boulevard Branch6750 Gulfport Boulevard SouthSouth Pasadena, FL 33707