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 Independence Bank of Kentucky Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: May 14, 2026
You can compare Independence Bank of Kentucky rates to other rates in our database, including 12-month CD rates currently at 0.20%, 6-month CD rates at 0.20% and 3-month CD rates at 0.10%. Savings rates are at 0.20% and money market rates are at 0.55%. Mortgage rates on 30-year fixed loans are around 5.66%. All these rates can be compared to Independence Bank of Kentucky rates. MonitorBankRates evaluates the financial stability of Independence Bank of Kentucky with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.71%. Rates were last updated on 05/14/2026. Independence Bank of Kentucky money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Independence Bank of Kentucky? Share your experience about Independence Bank of Kentucky by leaving a review below, or read customer reviews before you decide to use Independence Bank of Kentucky. 
Current Rate AvailabilityWe do not have Independence Bank of Kentucky rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Independence Bank of Kentucky is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Independence Bank of Kentucky rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Independence Bank of Kentucky's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Independence Bank of Kentucky
Bank Holding Company
INDEPENDENCE BANCSHARES INC
Address
2425 Frederica St,
Owensboro, KY 42301 · Daviess
Website
https://www.1776bank.com
FDIC Certificate #
8136
Established
01/01/1909
FDIC Insurance Date
01/01/1934
Domestic Offices
26
Total Branches
26
Regulator
FED
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.71%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.6157%
Return on Equity (ROE)
9.2000%
Non-Performing Loans (NPL)
0.03%
Total Assets
$3,791,470,000
Total Deposits
$3,179,251,000
Equity Capital
$302,853,000
Net Income
$30,370,000
Headquarters
Owensboro
Total Offices
26
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Frequently Asked Questions About Independence Bank of KentuckyHow many branches does Independence Bank of Kentucky operate?Independence Bank of Kentucky currently maintains approximately 26 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Independence Bank of Kentucky does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Independence Bank of Kentucky provides members with tools to manage their accounts and build a solid financial history. Does Independence Bank of Kentucky offer online and mobile banking?Most modern institutions like Independence Bank of Kentucky provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.1776bank.com. Compare to Other Banks
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