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 Industrial and Commercial Bank of China USA Rates & Review November 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 and Verified: November 5, 2026
Industrial and Commercial Bank of China USA's Special Personal CD Promotion - 11-month rates are at 4.00%, Special Personal CD Promotion - 7-month rates are at 3.90%, Special Personal CD Promotion - 3-month rates are at 3.80%. Industrial and Commercial Bank of China USA's money market rates are at 3.30%. Industrial and Commercial Bank of China USA's 5/6 ARM rates are at 5.25%, Residential Mortgage - 5/6 ARM rates are at 5.25%, 5/6 ARM Jumbo rates are at 5.375%, Residential Mortgage - 5/6 ARM Jumbo rates are at 5.375%. Industrial and Commercial Bank of China USA's Personal Loan Rates are as low as 16.49%. Industrial and Commercial Bank of China USA's Credit Card Rates are at 16.49%. Industrial and Commercial Bank of China USA's top CD rate of 4.00% APY on an 11 month CD is 34% higher than the MonitorBankRates national average of 3.00% APY for that term, and it has a B- health rating. MonitorBankRates evaluates the financial stability of Industrial and Commercial Bank of China USA with a 4.3 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 23.84%. Rates last updated and verified on 11/05/2026. 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. Industrial and Commercial Bank of China USA, National Association
1185 Avenue Of The Americas
https://www.icbc-us.com New York, NY 10036 Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Industrial and Commercial Bank of China USA CD Rates
Industrial and Commercial Bank of China USA Money Market Rates
Industrial and Commercial Bank of China USA Mortgage Rates
Industrial and Commercial Bank of China USA Credit Card Rates
Industrial and Commercial Bank of China USA Personal Loan Rates
Industrial and Commercial Bank of China USA Other Rates
Financial Health HistoryIndustrial and Commercial Bank of China USA’s Texas Ratio rose from 12.69% in Q3 2023 to 23.84% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.3 and its Health Grade from A to B-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
Bank Name
Industrial and Commercial Bank of China USA
Website
https://www.icbc-us.com
Address
1185 Avenue Of The Americas,
New York, NY 10036 · New York
Bank Holding Company
CHINA INVESTMENT CORP
FDIC Certificate #
24387
Regulator
OCC
Established
February 14, 1983
FDIC Insurance Date
February 14, 1983
Domestic Offices
14
Total Branches
14
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.3 / 5.0 ★
Overall Health & Safety Grade
B- (81/100)
Texas Ratio
23.84%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.6657%
Return on Equity (ROE)
3.8800%
Non-Performing Loans Ratio (NPL)
3.99%
Total Assets
$2,859,720,000
Total Deposits
$2,207,867,000
Equity Capital
$498,532,000
Net Income
$9,572,000
Headquarters
New York
Total Branches and Offices
14
Source: FDIC — Last Updated June 30, 2026
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Frequently Asked Questions About Industrial and Commercial Bank of China USADoes Industrial and Commercial Bank of China USA offer CDs?Yes. Industrial and Commercial Bank of China USA current CD rates include its Special Personal CD Promotion - 11-month at 4.00% APY, its Special Personal CD Promotion - 7-month at 3.90% APY and its Special Personal CD Promotion - 3-month at 3.80% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from Industrial and Commercial Bank of China USA FDIC insured?Yes. Industrial and Commercial Bank of China USA is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Industrial and Commercial Bank of China USA?The highest Industrial and Commercial Bank of China USA CD rate is its Special Personal CD Promotion - 11-month at 4.00% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does Industrial and Commercial Bank of China USA offer?Industrial and Commercial Bank of China USA CD rates are 3.80% APY for a 3 month CD, 3.90% APY for a 7 month CD, 4.00% APY for an 11 month CD and 4.00% APY for a 12 month CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Industrial and Commercial Bank of China USA for its full lineup. What is the highest money market rate at Industrial and Commercial Bank of China USA?The highest Industrial and Commercial Bank of China USA money market rate is its Promotional Personal Premier Money Market Deposit Account at 3.30% APY, verified by MonitorBankRates as of November 5, 2026. What is the lowest mortgage rate at Industrial and Commercial Bank of China USA?The lowest Industrial and Commercial Bank of China USA mortgage rate is its 5/6 ARM at 5.25%, verified by MonitorBankRates as of November 5, 2026. What is the lowest personal loan rate at Industrial and Commercial Bank of China USA?The lowest Industrial and Commercial Bank of China USA personal loan rate is its ICBC Premier Visa Signature Card at 16.49% APR, verified by MonitorBankRates as of November 5, 2026. What is the lowest credit card APR at Industrial and Commercial Bank of China USA?The lowest Industrial and Commercial Bank of China USA credit card APR is its ICBC Preferred Visa Card Credit Card at 16.49% APR, verified by MonitorBankRates as of November 5, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Industrial and Commercial Bank of China USA rates compare?Industrial and Commercial Bank of China USA's top CD rate of 4.00% APY on an 11 month CD is 34% higher than the MonitorBankRates national average of 3.00% APY for that term, and it has a B- health rating. Industrial and Commercial Bank of China USA's top rates are its Special Personal CD Promotion - 11-month at 4.00% APY, its Promotional Personal Premier Money Market Deposit Account at 3.30% APY, its 5/6 ARM at 5.25%, its ICBC Premier Visa Signature Card at 16.49% APR and its ICBC Preferred Visa Card Credit Card at 16.49% APR, verified by MonitorBankRates on November 5, 2026. Current Industrial and Commercial Bank of China USA Rates
Retrieved from our database of financial products. Rates subject to change.
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