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Independence Bank Independence, OH

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Independence Bank Independence, OH Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Independence Bank Independence, OH provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 19, 2026

You can compare Independence Bank Independence, OH rates to other rates in our database, including 12-month CD rates currently at 3.29%, 6-month CD rates at 3.60% and 3-month CD rates at 3.54%. Savings rates are at 0.55% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 5.92%. All these rates can be compared to Independence Bank Independence, OH rates. MonitorBankRates evaluates the financial stability of Independence Bank Independence, OH with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.89%. Rates were last updated on 04/19/2026.

Independence Bank Independence, OH 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 Independence, OH? Share your experience about Independence Bank Independence, OH by leaving a review below, or read customer reviews before you decide to use Independence Bank Independence, OH.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.89%

Excellent Lower than avg

Independence Bank Independence, OH

4401 Rockside Rd
Independence, OH 44131

Current Rate Availability

We do not have Independence Bank Independence, OH rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Independence Bank Independence, OH 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 Independence, OH 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 Independence, OH's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Independence Bank Independence, OH

Bank Holding Company INDEPENDENCE BANCCORP

Address 4401 Rockside Rd, Independence, OH 44131 · Cuyahoga

Website N/A

FDIC Certificate # 22925

Established 08/15/1979

FDIC Insurance Date 08/15/1979

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.89%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8873%

Return on Equity (ROE) 6.4600%

Non-Performing Loans (NPL) 0.26%

Total Assets $181,255,000

Total Deposits $152,212,000

Equity Capital $27,115,000

Net Income $1,207,000

Headquarters Independence

Total Offices 1

Source: FDIC | Last Updated 12/31/2025

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Total Reviews

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Frequently Asked Questions About Independence Bank Independence, OH

Is Independence Bank Independence, OH a safe place to deposit money?

Yes, Independence Bank Independence, OH is considered a safe financial institution. With a Texas Ratio of 1.8948121077302%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Independence Bank Independence, OH operate?

Independence Bank Independence, OH currently maintains approximately 1 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 Independence, OH 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 Independence, OH provides members with tools to manage their accounts and build a solid financial history.

Does Independence Bank Independence, OH offer online and mobile banking?

Most modern institutions like Independence Bank Independence, OH provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.