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Industrial and Commercial Bank of China USA

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Industrial and Commercial Bank of China USA Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Industrial and Commercial Bank of China USA 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 17, 2026

You can compare Industrial and Commercial Bank of China USA rates to other rates in our database, including 12-month CD rates currently at 1.00%, 6-month CD rates at 3.98% and 3-month CD rates at 0.30%. Savings rates are at 0.35% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 5.53%. All these rates can be compared to Industrial and Commercial Bank of China USA rates. MonitorBankRates evaluates the financial stability of Industrial and Commercial Bank of China USA with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.69%. Rates were last updated on 04/17/2026.

Industrial and Commercial Bank of China USA 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 Industrial and Commercial Bank of China USA? Share your experience about Industrial and Commercial Bank of China USA by leaving a review below, or read customer reviews before you decide to use Industrial and Commercial Bank of China USA.

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.69%

Excellent Higher than avg

Industrial and Commercial Bank of China USA

1185 Avenue Of The Americas
New York, NY 10036

https://www.icbc-us.com

Industrial and Commercial Bank of China USA Credit Card Rates

Product	Rate	APR
ICBC Preferred Visa Card	-	16.24%
Details $50 cash bonus when you make $1,000 on purchases in the first 3 months from account opening ; EARN 1% cash back on every purchase ; No foreign transaction fee and no liability on unauthorized purchases; Rent your car with ICBC card and get Auto Rental Collision Damage Waiver without paying extra ; No annual membership fee †; Regular APR: 16.24%-22.24% Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.69%
ICBC Premier Visa Signature Card	-	16.24%
Details $100 cash bonus when you make $2,000 on purchases in the first 3 months from account opening ; EARN 2% cash back on every purchase ; No foreign transaction fee and no liability on unauthorized purchases ; Rent your car with ICBC card and get Auto Rental Collision Damage Waiver without paying extra ; 24/7 Visa Signature Concierge Service helps booking hotels, flights, travel plans and more... ; Insurance Coverage - Trip Delay reimbursement, Return protection, and more... ; Travel & Emergency Assistance and Roadside Dispatch services ; $0 intro annual membership fee for the first year, after that $85 †; Regular APR: 16.24%-22.24% Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.69%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Industrial and Commercial Bank of China USA 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 Industrial and Commercial Bank of China USA 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 Industrial and Commercial Bank of China USA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Industrial and Commercial Bank of China USA

Bank Holding Company CHINA INVESTMENT CORP

Address 1185 Avenue Of The Americas, New York, NY 10036 · New York

Website https://www.icbc-us.com

FDIC Certificate # 24387

Established 02/14/1983

FDIC Insurance Date 02/14/1983

Domestic Offices 14

Total Branches 14

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

12.69%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9211%

Return on Equity (ROE) 6.1600%

Non-Performing Loans (NPL) 1.96%

Total Assets $2,902,760,000

Total Deposits $2,211,889,000

Equity Capital $488,960,000

Net Income $14,955,000

Headquarters New York

Total Offices 14

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Industrial and Commercial Bank of China USA

Is Industrial and Commercial Bank of China USA a safe place to deposit money?

Yes, Industrial and Commercial Bank of China USA is considered a safe financial institution. With a Texas Ratio of 12.690336130715%, 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 Industrial and Commercial Bank of China USA operate?

Industrial and Commercial Bank of China USA currently maintains approximately 14 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, Industrial and Commercial Bank of China USA 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, Industrial and Commercial Bank of China USA provides members with tools to manage their accounts and build a solid financial history.

Does Industrial and Commercial Bank of China USA offer online and mobile banking?

Most modern institutions like Industrial and Commercial Bank of China USA 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.icbc-us.com.