Incrediblebank:
Online Certificate of Deposit - 3.82% APY

• $1,000 minimum deposit to open an account.
• A penalty may be imposed for early withdrawal.
• Account fees may reduce your earnings.


Fee and Feature Guide

Certificate of Deposit
Interest Rate
APY 3.82%
Term Length 18 Month
Minimum deposit amount $1,000.00
Maximum deposit amount N/A
Balance Requirements
Minimum Opening Deposit $1,000.00
Minimum Balance to Avoid Fees $0.00
Minimum Required Balance $0.00
Minimum To Earn $0.00
Fees
Early withdrawal penalty
Monthly Maintenance Fee N/A
Foreign ATM Fees $1.00
Insufficient Funds Fee $34.00
Incoming Wires N/A
Statements
Paper Statements Yes
Online Statements Yes
Online and Telephone Banking
Online Banking Yes
Telephone Banking Yes
Mobile Banking Yes
Deposit Checks with Mobile Device ×
Free Bill Pay Yes
Online Bill Payments Required Yes
Account Opening
Open Online Yes
Insured by F.D.I.C.



Recent Rate Changes



Date APY
June 13, 2024 3.82%
October 13, 2023 0.15%
August 20, 2023 0.25%

Customer Reviews for IncredibleBank


  • May 21, 2021 |

    avoid this

  • April 29, 2021 |

    62 bps isn't so incredible if you need to go over FDIC limits with a B-rated bank to get it. The rate below that is 25 bps and then you still need $150,000.

  • April 25, 2021 |

    $300k is over FDIC limits for individuals. Do you accept joint accounts?

  • January 4, 2021 |

    The rate is 0.25% on balances under $300,000. Nobody in their right mind is going to go over $250,000 in this bank. Bestcashcow should remove it.

  • November 27, 2020 |

    I thought it was a good rate, but I am not going over FDIC limits in a bank I've never heard of.


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