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You are now leaving the Independent Bank website.

Linked web pages are not under the control of Independent Bank, its affiliates or subsidiaries. Be aware the privacy policy of the site to which you are going may differ from that of Independent Bank. Independent Bank provides external links as a convenience and is not responsible for the content, accessibility, or security of any linked web page.

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Current Rates

Find rates for checking accounts, savings accounts, certificates of deposit (CDs), personal loans, and mortgages. 

Rate information is as current as possible, but rates may vary. To speak with your local banker, please see the Location Directory for contact information.

CHECKING ACCOUNTS

# of Transactions^

Rate

APY

ONE Account*

0-10 transactions 0.01% 0.01%

11-20 transactions 0.25% 0.25%

21-30 transactions 0.75% 0.75%

31-45 transactions 1.50% 1.51%

46+ transactions 4.89% 5.00%

Balances over $10,000 will earn 0.10%

Opportunity ONE*

N/A N/A N/A

ONE Account*

# of Transactions^ - 0-10 transactions
Rate - 0.01%
APY - 0.01%

# of Transactions^ - 11-20 transactions
Rate - 0.25%
APY - 0.25%

# of Transactions^ - 21-30 transactions
Rate - 0.75%
APY - 0.75%

# of Transactions^ - 31-45 transactions
Rate - 1.50%
APY - 1.51%

# of Transactions^ - 46+ transactions
Rate - 4.89%
APY - 5.00%

# of Transactions^ - Balances over $10,000 will earn 0.10%
Rate -
APY -

Opportunity ONE*

# of Transactions^ - N/A
Rate - N/A
APY - N/A
Get Started with a ONE Account Today!
 
*Eligibility Requirements/Fees: Refer to the fee schedule for account eligibility requirements and/or fees, if applicable, Retail Fee Schedule.  ^Debit card transactions. The following transactions are not considered toward monthly transaction totals; cash advances, ATM withdrawals, balance inquires and balance transfers. Accounts are subject to standard account opening guidelines. Other fees and restrictions may apply.
 

SAVINGS ACCOUNTS

Interest Tier Information

Rate

APY

Eagle / Swift Savings

$250,000 or greater 1.10% 1.10%

$100,000 to $249,999 0.75% 0.75%

$50,000 to $99,999 0.32% 0.32%

$25,000 to $49,999 0.16% 0.16%

$10,000 to $24,999 0.10% 0.10%

$0 to $9,999 0.01% 0.01%

Relationship Money Market with a Checking Relationship with Independent Bank

$250,000 or greater 3.15% 3.20%

$100,000 to $249,999 2.50% 2.53%

$50,000 to $99,999 1.80% 1.81%

$25,000 to $49,999 0.90% 0.90%

$10,000 to $24,999 0.15% 0.15%

$0 to $9,999 0.06% 0.06%

Relationship Money Market without a Checking Relationship with Independent Bank

$250,000 or greater 3.10% 3.14%

$100,000 to $249,999 2.45% 2.48%

$50,000 to $99,999 1.75% 1.76%

$25,000 to $49,999 0.85% 0.85%

$10,000 to $24,999 0.10% 0.10%

$0 to $9,999 0.01% 0.01%

Health Savings Account

$10,000 & Over 0.03% 0.03%

$2,500 to $9,999 0.03% 0.03%

$1,000 to $2,499 0.01% 0.01%

$0 to $999 0.01% 0.01%

Eagle / Swift Savings

Interest Tier Information - $250,000 or greater
Rate - 1.10%
APY - 1.10%

Interest Tier Information - $100,000 to $249,999
Rate - 0.75%
APY - 0.75%

Interest Tier Information - $50,000 to $99,999
Rate - 0.32%
APY - 0.32%

Interest Tier Information - $25,000 to $49,999
Rate - 0.16%
APY - 0.16%

Interest Tier Information - $10,000 to $24,999
Rate - 0.10%
APY - 0.10%

Interest Tier Information - $0 to $9,999
Rate - 0.01%
APY - 0.01%

Relationship Money Market with a Checking Relationship with Independent Bank

Interest Tier Information - $250,000 or greater
Rate - 3.15%
APY - 3.20%

Interest Tier Information - $100,000 to $249,999
Rate - 2.50%
APY - 2.53%

Interest Tier Information - $50,000 to $99,999
Rate - 1.80%
APY - 1.81%

Interest Tier Information - $25,000 to $49,999
Rate - 0.90%
APY - 0.90%

Interest Tier Information - $10,000 to $24,999
Rate - 0.15%
APY - 0.15%

Interest Tier Information - $0 to $9,999
Rate - 0.06%
APY - 0.06%

Relationship Money Market without a Checking Relationship with Independent Bank

Interest Tier Information - $250,000 or greater
Rate - 3.10%
APY - 3.14%

Interest Tier Information - $100,000 to $249,999
Rate - 2.45%
APY - 2.48%

Interest Tier Information - $50,000 to $99,999
Rate - 1.75%
APY - 1.76%

Interest Tier Information - $25,000 to $49,999
Rate - 0.85%
APY - 0.85%

Interest Tier Information - $10,000 to $24,999
Rate - 0.10%
APY - 0.10%

Interest Tier Information - $0 to $9,999
Rate - 0.01%
APY - 0.01%

Health Savings Account

Interest Tier Information - $10,000 & Over
Rate - 0.03%
APY - 0.03%

Interest Tier Information - $2,500 to $9,999
Rate - 0.03%
APY - 0.03%

Interest Tier Information - $1,000 to $2,499
Rate - 0.01%
APY - 0.01%

Interest Tier Information - $0 to $999
Rate - 0.01%
APY - 0.01%
Explore Our Savings Account Options  

CERTIFICATE OF DEPOSIT (CD)

Interest Tier Information

Rate

APY

6-Month CD

$500 minimum 1.80% 1.82%

12-Month CD

$500 minimum 2.25% 2.28%

24-Month CD

$500 minimum 2.30% 2.33%

3-Month CD Special

$10,000 minimum of newly deposited funds 4.85% 4.97%

6-Month CD Special

$1,000 minimum 4.70% 4.82%

13-Month CD Special

$1,000 minimum 4.15% 4.24%

6-Month CD

Interest Tier Information - $500 minimum
Rate - 1.80%
APY - 1.82%

12-Month CD

Interest Tier Information - $500 minimum
Rate - 2.25%
APY - 2.28%

24-Month CD

Interest Tier Information - $500 minimum
Rate - 2.30%
APY - 2.33%

3-Month CD Special

Interest Tier Information - $10,000 minimum of newly deposited funds
Rate - 4.85%
APY - 4.97%

6-Month CD Special

Interest Tier Information - $1,000 minimum
Rate - 4.70%
APY - 4.82%

13-Month CD Special

Interest Tier Information - $1,000 minimum
Rate - 4.15%
APY - 4.24%

Explore Our CD Special Options

Interest

Rates and annual percentage yield (APY) are accurate as of March 13, 2024. Interest begins to accrue no later than the business day the bank receives credit for the deposit of non-cash items (e.g., checks). Interest is calculated on a daily balance method. This method applies a daily periodic rate to the principal in the account each day.  The minimum balance to earn interest is $0.01. All interest-bearing checking accounts are variable rate accounts. Rates are subject to change at any time without prior notice.

 

Checking, Money Markets, and CDs
Interest will be compounded monthly and will be paid to the account monthly. Annual percentage yield (APY) based on monthly cycle.

 

Eagle / Swift Savings
Interest will be compounded quarterly and will be paid to the account quarterly. Annual percentage yield (APY) based on quarterly cycle. Rates are subject to change at any time without prior notice.

Transaction Limitations

Checking
No transaction limitations apply.

 

Savings and Money Markets
Teller and ATM transactions are unlimited. Preauthorized, automatic, or telephone transfers to another account and/or third parties are limited to six per monthly cycle with no transfers by check, draft, debit card or similar order. An excess transaction fee will be assessed each month the transaction limitations are exceeded. If you continue to exceed these transaction limitations, the Bank may close your account and transfer the funds to another deposit account type selected by the Bank for which you are eligible. Refer to the fee schedule for excess transaction fee.

 

CDs
Deposits into or withdrawals from the CD are not eligible until the maturity date. Penalty for early withdraw may be imposed.

Processing Order

Posting order is the order in which deposits and withdrawals are applied to your account. Generally, we post items as they are received. Most items are posted immediately (real-time) as they are presented. This includes credit/debit transactions performed at an Independent Bank branch and electronic transactions such as: ATM transactions, debit card transactions, mobile /online banking transactions, pre-authorized transactions and wires. Items presented via ACH (direct deposits and debits) are posted as received during multiple daily presentments. Checks transacted at other financial institutions will be posted as received.

 

In some cases, authorization is provided at the time of conducting a transaction with your debit card, but the transaction does not post to your account until days after the initial authorization.  As an example, a debit card transaction may appear as “pending” in online or mobile banking during the day and affect your available balance.  When authorization is provided to a merchant we may reserve or place a hold on your available balance, typically for three business days, for the amount of the requested authorization.  There may be delays of several days between the date of the authorization and the date the transaction is presented for payment.  The transaction may post to your account after the authorization hold has expired, which could potentially result in an overdraft, even if you are opted out of ATM and one-time debits. 

 

Funds authorizations and fee assessments (including Non-Sufficient Fund charges) are based on available balance at the time a transaction is authorized, which may not be the same day the transaction is posted to your account. Holds on funds may also impact funds availability and fee assessments.

Minimum Balance Requirements

Refer to the fee schedule for minimum balance information and/or service charges, if applicable. 

Dormant/Inactive Account Information

An account inactivity fee will be assessed each month if there is no customer-initiated activity for twelve months. Refer to the current fee schedule, for additional details. 

Additional CD Information

Early Withdrawal Penalty:
A fee may be imposed if any of the principal is withdrawn before the maturity date. The fee imposed is based on the term of the certificate of deposit. If the account has an original maturity of one year or less, the fee will equal three months interest on the amount withdrawn. If the account has an original maturity of more than one year, the fee will equal six months interest on the amount withdrawn.

Renewal policies:
The CD account will automatically renew at maturity. Customers will have a grace period of 10 calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

CD Special:
Requires an Independent Bank checking account. These rates only apply to personal CDs.

MORTGAGES Rate APR Points
30-Year Fixed 6.875% 6.979% 0.389
15-Year Fixed 6.500% 6.635% 0.183
5/6 Adjustable 7.250% 7.330% 0.125
1/6 Arm Const-Perm 6.875% 6.984% 0.125

 

Learn More & Apply  Find a Loan Officer

  • Purchase rates as of March 18, 2024 and are subject to change without notice.
  • Normal credit standards and restrictions apply.
  • 30-Year Fixed: Monthly payment of $1,527 at a rate of 6.875% and an assumed purchase loan amount of $220,000. Actual payment obligations with taxes, insurance, and assessments/association dues will be greater.
  • 15-Year Fixed: Monthly payment of $2,021 at a rate of 6.500% and an assumed purchase loan amount of $220,000. Actual payment obligations with taxes, insurance, and assessments/association dues will be greater.
  • All monthly payment examples assume 20% down payment including principal and interest expense, and a credit score of 780.
  • Maximum seller contribution of 3%.
  • Annual Percentage Rates for adjustable rate (ARM) products are subject to increase or decrease.
  • Actual interest rates and APRs may vary based on factors such as loan-to-value  (LTV), credit score, occupancy type, number of units, loan amount, and other transaction parameters.
  • Assumes auto pay or online bill pay through an Independent Bank checking account.
  • Taxes, insurance, and assessments/association dues are not included in the payments but are required.
  • Discount and Origination points are included in 'Points.'
  • The interest rate and monthly payment examples assume primary residence and that the customer selects an escrow account for taxes and insurance with lender.

Independent Bank has financing available to meet a variety of needs including cars, RVs, unsecured loans and more. 

To speak with your local banker, please see the Location Directory for contact information. To view rates, see the tables below.

For the Auto loans listed below (*) you are eligible for up to a .25% discount when you sign up for auto pay through your Independent Bank checking or savings account for loans greater than $1,000. For the loans listed below (Powersports/RVs/Marine- **& ***) you are eligible for up to a 0.25% discount when you sign up for auto-pay through your Independent Bank checking or savings account for loans greater than $1,000.  For the Unsecured Loans (****) you are eligible for up to a .25% when you sign up for auto-pay through your Independent Bank checking or savings account.   For the Home Improvement loan listed below (*****) with the maximum loan amount of $25,000 you are eligible for up to a .25% discount when you sign up for auto-pay through your Independent Bank checking or savings account.

PERSONAL LOANS

Terms ******

Current Rate w/Autopay

APR

* Auto

72 Months

7.74% 7.90%

* Auto

84 Months 7.99% 8.10%

** RV and Marine

240 months 7.74% 7.77%

***Powersports

84 Months 8.49% 8.71%

**** Unsecured up to $25,000.00

36 months 11.74% 12.23%

**** Unsecured up to $25,000.00

72 Months

12.74%

13.01%

***** Home Improvement Loan-Maximum Amount $25,000.00

120 months 11.74% 11.91%

* Auto

Terms ****** -

72 Months

Current Rate w/Autopay - 7.74%
APR - 7.90%

* Auto

Terms ****** - 84 Months
Current Rate w/Autopay - 7.99%
APR - 8.10%

** RV and Marine

Terms ****** - 240 months
Current Rate w/Autopay - 7.74%
APR - 7.77%

***Powersports

Terms ****** - 84 Months
Current Rate w/Autopay - 8.49%
APR - 8.71%

**** Unsecured up to $25,000.00

Terms ****** - 36 months
Current Rate w/Autopay - 11.74%
APR - 12.23%

**** Unsecured up to $25,000.00

Terms ****** - 72 Months
Current Rate w/Autopay -

12.74%

APR -

13.01%

***** Home Improvement Loan-Maximum Amount $25,000.00

Terms ****** - 120 months
Current Rate w/Autopay - 11.74%
APR - 11.91%

Apply for a Loan*  Rates listed are available for borrowers with a 750 or greater credit score,  loan amounts greater than $1,000 for this non-real estate collateralized  product.. Standard processing fee of $175.00. Rate includes discount for auto-pay from Independent Bank checking/savings account. Rates as of March 1, 2024, and are subject to change without notice. Actual interest rates and APRs may vary based on credit history, loan amount and other transaction parameters.

** & ***Rates listed are available for borrowers with a 750 or greater credit score,  loan amounts of $1,000 and greater for this non-real estate collateralized  product.. Standard processing fee of $175.00. Rate includes discount for auto-pay from Independent Bank checking/savings account. Rates as of March 1, 2024 and are subject to change without notice. Actual interest rates and APRs may vary based on credit history, loan amount and other transaction parameters.

**** Rate listed is available for borrowers with a 750 or greater credit score and loan amount of $15,001.00-$25,000.00  for this non-real estate, non collateralized product. Standard processing fee of $175.00. Rate includes discount for auto-pay from Independent Bank checking/savings account. Rate is as of March 1, 2024 and are subject to change without notice. Actual interest rates and APRs may vary based on credit history, loan amount and other transaction parameters.
***** Rate listed is available for borrowers with a 680 or greater credit score and loan amounts of $25,000 and below for this non-real estate, non-collateralized product.  Standard processing fee of $175.00. Rate includes discount for auto-pay from Independent Bank checking/savings account. Rates as of  March 1, 2024 and are subject to change without notice. Actual interest rates and APRs may vary based on credit history, loan amount and other transaction parameters


****** Other Rates/Terms are available

For additional information about rates and terms, please contact your local banker

Additional Information

  • * Current rates listed are available for borrowers with a 750 or greater credit score. Borrowers with a lower credit score may qualify for other competitive rates. Standard processing fee of $175. Rate includes discount for autopay from an Independent Bank checking/savings account. Note regarding Auto loans: Rates also vary by amount of loan and age of model. For additional information about rates and terms, please contact your local banker.
  • ** & ***Current rates listed are available for borrowers with a 750 or greater credit score. Borrowers with a lower credit score may qualify for other competitive rates. Standard processing fee of $175. Rate includes discount for autopay from an Independent Bank checking/savings account. Note regarding  Powersports, Marine and RV loans: Rates also vary by amount of loan and age of model. For additional information about rates and terms, please contact your local banker.
  • **** Current rates are available for borrowers with a 750 or greater credit score. Borrowers with a lower credit score may qualify for other competitive rates. Rate includes discount for autopay from an Independent Bank checking/savings account. Note regarding this Unsecured loan: Rates also vary by amount and term. For additional information about rates and terms, please contact your local banker.
  • ***** Current rate listed is available for borrowers with a 680 or greater credit score. Standard processing fee of $175.00. Rate includes discount for autopay from an Independent Bank checking/savings account. Note regarding this Unsecured Home Improvement Loan—shorter term and lower rate is available. For additional information about rates and terms, please contact your local banker.