Rates

Looking for competitive rates to meet your financial goals? We’ve got you covered.

Click below for a list of current rates provided by Intercity State Bank.

Product Rate APR Payment
15 Year Fixed 6.250% 6.409% $858
20 Year Fixed 6.375% 6.502% $739
30 Year Fixed 6.500% 6.597% $633

Rates effective as of 06/13/2024

Rates based on a loan amount of $100,000 with loan-to-value of 80% and a credit score above 740. Payment amounts do not include taxes and insurance premiums and the actual payment obligation will be greater. Annual Percentage Rates (APR) and interest rates may vary based on terms and loan type. All loans subject to approval. Rates are subject to change without notice.

Product Amortization Rate APR Payment
6-Year Balloon1 15 Years 7.500% 7.739% $928
6-Year Balloon2 20 Years 7.750% 7.979% $822
6-Year Balloon3 30 Years 8.000% 8.221% $735

Rates effective as of 06/13/2024

  1. Payment on a $100,000 6-yr. balloon mortgage at 7.739% APR (amortized 15 yrs.), would be $928 per month. At the end of 6 years the balance due would be $73,572.71 if only the minimum payments are made.
  2. Payment on a $100,000 6-yr. balloon mortgage at 7.979% APR (amortized 20 yrs.), would be $822 per month. At the end of 6 years the balance due would be $84,833.56 if only the minimum payments are made.
  3. Payment on a $100,000 6-yr. balloon mortgage at 8.221% APR (amortized 30 yrs.), would be $735 per month. At the end of 6 years the balance due would be $94,555.52 if only the minimum payments are made.

Rates based on a loan amount of $100,000 with loan-to-value of 80%. Payment amounts do not include taxes and insurance premiums and the actual payment obligation will be greater. Annual Percentage Rates (APR) and interest rates may vary based on terms and loan type. All loans subject to approval. Rates are subject to change without notice.

Product** Annual Percentage Yield (APY) Interest Rate Minimum Deposit to Open Minimum Collected Balance to Earn APY
Savings 0.25% 0.25% $50 $0

Rates effective as of 7/18/2023

**The interest rate and annual percentage yield is variable and may change after the account is opened. Fees could reduce the earnings on the account.

Product* Annual Percentage Yield (APY) Interest Rate Minimum Deposit to Open Minimum Collected Balance to Earn APY
Super NOW Checking 0.10% 0.10% $500 $2,500.00 and over
0.05% 0.05% $0.01-$2,499.99
Health Savings Account 0.85% 0.85% $50 $25,000.00 and over
0.65% 0.65% $10,000.00-$24,999.99
0.55% 0.55% $2,500.00-$9,999.99
0.30% 0.30% **Qualifying balance up to $2,499.99

Rates effective as of 7/18/2023

*The interest rate and annual percentage yield may change after account opening. Fees could reduce the earnings on the account. 

**Minimum balance to obtain Annual Percentage Yield (APY) is $500.00.

Product* Annual Percentage Yield (APY) Interest Rate Minimum Deposit to Open Minimum Collected Balance to Earn APY
Money Market 0.30% 0.30% $2,500 $10,000.00 and over
0.10% 0.10% $2,500.00-$9,999.99
0.05% 0.05% $.01-$2,499.99
Personal Investor Money Market 3.50% 3.45% $10,000.00 $300,000.00 and over
1.25% 1.24% $150,000.00-$299,999.99
1.00% 1.00% $75,000.00-$149,999.99
0.30% 0.30% $10,000.00-$74,999.99
0.05% 0.05% $0.01-$9,999.99

Rates effective as of 7/18/2023

*The interest rate and annual percentage yield may change after account is opened. Fees could reduce the earnings on the account.

CDs/IRAs* Annual Percentage Yield (APY) Interest Rate Minimum Deposit to Open
03 Month CD 0.50% 0.50% $1,000
06 Month CD 1.00% 1.00% $1,000
12 Month CD 2.00% 1,99% $1,000
18 Month CD 2.00% 1.99% $1,000
24 Month CD 2.25% 2.23% $1,000
36 Month CD 2.50% 2.48% $1,000
48 Month CD 2.50% 2.48% $1,000
60 Month CD 2.50% 2.48% $1,000
12 Month IRA 2.25% 2.23% $500
24 Month IRA 2.25% 2.23% $500

Rates effective as of 7/18/2023

*A penalty may be imposed for early withdrawal.