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Incredible Bank

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

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Incredible Bank Just Became Less Incredible - 3/1/2019

If you create a new Incredible Bank Savings Account as of today, you'll only get 0.50% ($10,000+). If you already have an existing Savings Account, your account is grandfathered in at the 2.2% APY ($25K+). They have created a new personal Money Market Account, but the minimum balance to get their highest 2.2% rate is $300,000. Here are the MM Rate Tiers: $0 - $9,999.99 .20% $10,000 - $49,999.99 .50% $50,000 - $149,999.99 1.00% $150,000 - $299,999.99 1.50% $300,000 & above 2.18% (2.20% APY)

IncredibleBank's High Yield Savings Now Earns 2.20% APY - 12/14/2018

Incredible Bank (internet bank) raised the rate on its High Yield Savings to 2.20% APY on balances of $25k+. Minimum opening deposit is $2.5k.

Savings Account Now 2.2% - 12/13/2018 The page now shows the saving account rate was raised from 2.02% to 2.2%

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10/28/15 - IncredibleBank Raises Rate On Incredible Savings - Nationwide
12/31/14 - IncredibleBank Launches a New Top-Rate Savings Account
12/30/14 - Incredible Savings Now 1.07%
12/23/14 - IncredibleBank (Internet Bank) Raises Rate On 19-month CD - Nationwide
11/13/13 - Incredible Bank's 4-Year Anniversary - Comparing Its Rate History
9/25/13 - Incredible Bank Now Offers a Health Savings Account
8/7/13 - Rates Drop At Incredible Bank
5/13/13 - Rate Drop: Incredible Bank
5/13/13 - Incredible Bank Makes It Easier To Avoid New Monthly Maintenance Fee
4/11/13 - New Monthly Fee on Incredible Bank’s Checking Account
1/23/13 - Incredible Bank Money Market Account Rate Falls
11/10/12 - Website Temporarily Unavailable
11/9/12 - Incredible Bank's 3-Year Anniversary - Comparing Its Rate History
9/21/12 - Unable To Login To Incredible Bank Account - Day Two
6/12/12 - Incredible Bank's Parent Partially Pays Back TARP Funds
5/25/12 - Rate Tables Outdated For Incredible Bank Cds
4/21/12 - How Come Some Checking Accounts Pay A Higher Interest Than Savings Account?
10/31/11 - Incredible Bank's 2-Year Anniversary
8/18/11 - Incredible Bank CD Rate Cuts
8/18/11 - Internet Checking Rate Drop
8/15/11 - New Rate Tiers of Incredible Bank's Money Market Account
6/3/11 - Incredible Bank Offers New Internet CDs
6/3/11 - New Short-Term Cds
5/5/11 - Incredible Bank's New Money Market Account
3/17/11 - Incredible Bank's CD Deals Are Over - Best 1-Year CD Rate?
3/4/11 - Incredible Bank Cuts Checking Account Rates But CD Rates Hold
2/14/11 - New Competitive 1-Year and 18-Month CD Rates at Incredible Bank - Available Nationwide
2/12/11 - New 12 And 18 Month Cds At Incredible Bank
12/27/10 - Incredible Bank's New 1-Year CD and the Problem with 1-Year CDs
11/17/10 - After One Year Has Incredible Bank Remained Incredible?
8/20/10 - Drip, Drip, Droop
6/30/10 - Incredible Bank's Hot 1-Year CD Deal is Over - Alternatives?
6/13/10 - The Best 12-Month CD Rate Available Nationwide at Incredible Bank - EXPIRED
6/12/10 - Incrediblebank Blended 12 mo CD
4/30/10 - Incredible Bank Announces a Rate Cut Effective May 3rd
4/14/10 - Has Incredible Bank Remained Incredible?
3/29/10 - Updates on Incredible Bank and its High-Yield Checking Account
2/22/10 - Pretty Ridiculous To Have A Checking Account That Charges You $20
2/19/10 - Incredible Bank Cuts Checking Account Rate
2/19/10 - The Have Cut The Rate To 1
2/10/10 - 2.02% APR On Checking Up To $250
1/26/10 - Reviews of Incredible Bank's 2.02% Internet Checking Account
11/14/09 - New High-Yield Internet Checking Account at Incredible Bank - Available Nationwide

Great Bank!

Posted by: FLAbanker | Nov 10, 2018

Everything about Incredible Bank has been excellent: quick to open the account, easy to transfer funds without restrictive limits and superb customer service. But unfortunately, while their interest rate is good, it isn't keeping pace with other banks.

Top-Notch Outfit!

Originally became aware of IB through my longtime River Valley Bank relationship. Excellent rates and superb people!

Seems OK Now

Posted by: scooter | Jun 16, 2016

I had a bit of trouble with this one because they don't make it easy. You will have to jump through all kinds of hoops such as a 2 month waiting period be eligible for online transfers from your bank. You have submit documentation such as your driver's license image and all kinds of irritating little details. But, they do pay the most of the online savings accounts. So now that I am finally through all the hurdles it looks like they will be easy to deal with going forward. Customer service is very reasonable and you will have to call them a couple of times but no biggie.

Was OK, Until...

Posted by: adamo010 | Jun 17, 2013

I didn't login for about 12 months.  Had $5K there.  They then levied a $15 paper statement fee on me because they automatically converted me back to paper statements (from e-statements) as I hadn't logged in.  But .. I've been downloading transactions to Quicken for some time.

Called them up, and they refused to waive the fee.

Frankly not at all what I want in a financial institution.  There are many online banks and I recommend folks put their money at a bank that doesn't have customer unfriendly policies such as this.



Health Grade Components

FDIC Certificate #19772
Year Established1967
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.39%
Return on Equity - YTD15.4%
Annual Interest Income$15.6MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$1.38B$1.29B
LoansQ1 2019vs Q1 2018$1.02B$980.9MM
DepositsQ1 2019vs Q1 2018$1.22B$1.13B
Equity CapitalQ1 2019vs Q1 2018$126.0MM$119.2MM
Loan Loss AllowanceQ1 2019vs Q1 2018$6.9MM$7.6MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$3.2MM$1.9MM
Real Estate OwnedQ1 2019vs Q1 2018$6.2MM$4.3MM
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Always verify rates and promotions with the bank or credit union. We are not Incredible Bank; 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.

Incredible Bank Savings Account Rates

0.50%*$10k*-Incredible Savings Account - Existing or new funds
OTHER TIERS: 0.20% Up to $1k | 0.35% $1k - $10k

Incredible Bank Money Market Rates

2.20%*$300k*-Incredible Money Market
OTHER TIERS: 0.20% Up to $10k | 0.50% $10k - $50k | 1.00% $50k - $150k | 1.51% $150k - $300k

Incredible Bank CD Rates

2.63%$1k-36 Month IB CD
2.52%$1k-24 Month IB CD
2.27%$1k-12 Month IB CD

Incredible Bank is an Internet only bank and does not have branch locations. Its headquarters is located at 327 North 17th Avenue - Wausau, WI 54401

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.