Overview / Commentary
327 North 17th Avenue
Wausau, WI 54401

IncredibleBank is headquartered in WAUSAU and is the 15th largest bank in the state of Wisconsin. It is also the 591st largest bank in the nation. It was established in 1967 and as of December of 2023, it had grown to 247 employees at 17 locations. IncredibleBank's money market rates are 7X the national average, but it has a F health rating.

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Reviews (3)

New Accounts

Very tedious process for managing accounts, especially under a business. When I open a new account whether for my business or personal, it doesn't show up on my account online or app automatically. I have to go back in to have them add it to my online accounts which takes 20+ min to print the forms. If I didn't open the account, the person who opened it also has to sign off, even if I am on it. If I want a debit card, that's another trip into the bank. These things should be handled at the time the account is opened. Tellers should be trained to ask if debit cards or checks are needed. And what good is an account I can't view? This should all be handled up front instead of having to make several trips to be able to use the account. It is also very difficult to navigate options online, like turning off paper statements which cost $5/mo (another thing they don't ask up front like they should to avoid unwanted fees) or changing the account name.

Interest Rates

Posted by: |

Overall, I have been satisfied with Incredible bank, especially with the account representatives that I have talked to. My main source of disappointment has been that they do not pay accrued interest if you close the account in the middle of the month. This is mentioned on their website so shame on me for not taking it into account when considered opening the account. Several of their competitors do pay accrued interest and pay higher interest rates as well. I would recommend looking elsewhere for a bank.


Posted by: |

Opened a CD a while ago with a promotional rate. I have four or five CDs at various banks, and I usually direct renewals to the bank with the most competitive rates. Thought I'd give Incredible Bank a try. My other CDs notify me at renewal time and will renew at the prevailing market rate unless I intervene. Somehow this one slipped by me at renewal on more than one occasion, but I wasn't too concerned because I expected the renewal rate to reflect current market. Bad assumption...the renewal rate for the previous two years was several hundredths of one percent. That's .003 percent; close to nothing. My fault. I trusted them. I thought that was incredibly poor treatment. Wait! I get it! Oh...and the early withdrawal fee took what little interest I had earned! Incredible!


Health Grade Components

FDIC Certificate #19772
Year Established1967
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD8.25%
Annual Interest Income$96.5MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.97B$1.9B
LoansQ4 2023vs Q4 2022$1.42B$1.38B
DepositsQ4 2023vs Q4 2022$1.68B$1.59B
Equity CapitalQ4 2023vs Q4 2022$137.1MM$128.1MM
Loan Loss AllowanceQ4 2023vs Q4 2022$17.2MM$12.6MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022($11,892,000)$1.9MM
Real Estate OwnedQ4 2023vs Q4 2022$190K$0
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Always verify rates and promotions with the bank or credit union. We are not IncredibleBank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

IncredibleBank Savings Account Rates

0.45%*$25k*-IncredibleBank HSA
OTHER TIERS: 0.05% $1k - $10k | 0.25% $10k - $25k
0.10%*$10k*-IncredibleBank Savings
OTHER TIERS: 0.01% Up to $1k | 0.03% $1k - $10k

IncredibleBank Money Market Rates

3.00%*$250k*-IncredibleBank Money Market
OTHER TIERS: 0.10% Up to $10k | 1.51% $10k - $50k | 1.76% $50k - $100k | 2.27% $100k - $250k
3.00%*$1m*-Incredible Business Money Market
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $50k | 0.50% $50k - $250k | 2.02% $250k+

IncredibleBank Checking Account Rates

0.05%--IncredibleBank Checking Plus

IncredibleBank CD Rates

5.00%$1k-7 Month CD
4.58%$1k-13 Month CD
4.32%$1k-18 Month CD
4.06%$1k-30 Month CD
0.75%$1k-60 Month CD
0.45%$1k-36 Month CD
0.25%$1k-24 Month CD
0.15%$1k-12 Month CD

IncredibleBank IRA Rates

0.75%$1k-60 Month IRA
0.45%$1k-36 Month IRA
0.25%$1k-24 Month IRA
0.15%$1k-12 Month IRA


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.