IncredibleBank


Overview / Commentary
715-845-5522
327 North 17th Avenue
Wausau, WI 54401

IncredibleBank is headquartered in WAUSAU and is the 13th largest bank in the state of Wisconsin. It is also the 584th largest bank in the nation. It was established in 1967 and as of June of 2023, it had grown to 254 employees at 17 locations. IncredibleBank's money market rates are 7X the national average, and it has an A health rating.

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Reviews (2)

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

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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.



Health

Health Grade Components

Overall
FDIC Certificate #19772
Year Established1967
Employees254
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.94%
Return on Equity - YTD13.46%
Annual Interest Income$46.0MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$1.95B$1.78B
LoansQ2 2023vs Q2 2022$1.40B$1.28B
DepositsQ2 2023vs Q2 2022$1.72B$1.53B
Equity CapitalQ2 2023vs Q2 2022$141.2MM$131.4MM
Loan Loss AllowanceQ2 2023vs Q2 2022$14.2MM$12.8MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$704.00K$2.1MM
Real Estate OwnedQ2 2023vs Q2 2022$240.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 | 1.51% $250k+

IncredibleBank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--IncredibleBank Checking Plus

IncredibleBank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.80%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$1k-60 Month IRA
0.45%$1k-36 Month IRA
0.25%$1k-24 Month IRA
0.15%$1k-12 Month IRA
Locations

Availability



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