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 Independent Bank Memphis, TN 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 5, 2026
Independent Bank Memphis, TN's CD Specials 7-month rates are at 4.00%, 5-month CD rates are at 3.85%, CD Specials 5-month rates are at 3.85%, CD Specials 11-month rates are at 3.70%. MonitorBankRates evaluates the financial stability of Independent Bank Memphis, TN with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.65%. Rates were last updated on 05/05/2026. Independent Bank Memphis, TN 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 Independent Bank Memphis, TN? Share your experience about Independent Bank Memphis, TN by leaving a review below, or read customer reviews before you decide to use Independent Bank Memphis, TN. 
Independent Bank Memphis, TN CD Rates
Independent Bank Memphis, TN Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Independent Bank Memphis, TN 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 Independent Bank Memphis, TN 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 Independent Bank Memphis, TN's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Independent Bank Memphis, TN
Bank Holding Company
INDEPENDENT HOLDINGS INC
Address
5050 Poplar Avenue,
Memphis, TN 38157 · Shelby
Website
https://www.i-bankonline.com
FDIC Certificate #
34728
Established
04/20/1998
FDIC Insurance Date
04/20/1998
Domestic Offices
12
Total Branches
12
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 95/100
5.0
Exceptional
Out of 5.0 Stars
9.65%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.4710%
Return on Equity (ROE)
12.5900%
Non-Performing Loans (NPL)
0.82%
Total Assets
$1,755,074,000
Total Deposits
$1,472,780,000
Equity Capital
$192,776,000
Net Income
$20,816,000
Headquarters
Memphis
Total Offices
12
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Frequently Asked Questions About Independent Bank Memphis, TNHow many branches does Independent Bank Memphis, TN operate?Independent Bank Memphis, TN currently maintains approximately 12 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, Independent Bank Memphis, TN 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, Independent Bank Memphis, TN provides members with tools to manage their accounts and build a solid financial history. Does Independent Bank Memphis, TN offer online and mobile banking?Most modern institutions like Independent Bank Memphis, TN 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.i-bankonline.com. Current Independent Bank Memphis, TN Rates
Retrieved from our database of financial products. Rates subject to change.
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