What are the current interest rates at Integrity Bank & Trust?

Current rates for Integrity Bank & Trust include: 12-Month CD: 3.29%, 18-Month CD: 3.19%, 24-Month CD: 3.03%, 36-Month CD: 2.83%, 48-Month CD: 2.52%, 60-Month CD: 2.78%, Savings: 0.10%, MMA: 0.80%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Banks›
Integrity Bank & Trust

iAdvertiser Disclosure

Integrity Bank & Trust Rates & Review September 2026

Q: How many branches does Integrity Bank & Trust operate?

Integrity Bank & Trust currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Integrity Bank & Trust 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Integrity Bank & Trust 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 and Verified: September 19, 2026

Integrity Bank & Trust's 9-Month Certificate of Deposit rates are at 3.39%, 12-Month Certificate of Deposit rates are at 3.29%, 6-Month Certificate of Deposit rates are at 3.29%, 18-Month Certificate of Deposit rates are at 3.19%, 2 Year Certificate of Deposit rates are at 3.03%. Integrity Bank & Trust's savings rates are at 0.10%. Integrity Bank & Trust's money market rates are at 0.80%. MonitorBankRates evaluates the financial stability of Integrity Bank & Trust with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.47%. Rates last updated and verified on 09/19/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.47%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Integrity Bank & Trust

1275 Village Ridge Pt
Monument, CO 80132

https://www.integritybankandtrust.com

Integrity Bank & Trust CD Rates

Product	Rate	APY	Term
9 Month Certificate of Deposit	3.35%	3.39%	9 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
12 Month Certificate of Deposit	3.25%	3.29%	12 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
6 Month Certificate of Deposit	3.25%	3.29%	6 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
18 Month Certificate of Deposit	3.15%	3.19%	18 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
2 Year Certificate of Deposit	3.00%	3.03%	2 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
3 Year Certificate of Deposit	2.80%	2.83%	3 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
5 Year Certificate of Deposit	2.75%	2.78%	5 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
3 Month Certificate of Deposit	2.50%	2.52%	3 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
4 Year Certificate of Deposit	2.50%	2.52%	4 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%

Integrity Bank & Trust Savings Rates

Product	Rate	APY
iHike Savings (best for ages 0-12)	1.00%	1.01%
Details Ages: 0-12 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Minor Savings (youth under 18)	1.00%	1.01%
Details Age: under 18 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Business Savings	0.50%	0.50%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Regular Savings	0.50%	0.50%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Health Savings Account	0.30%	0.30%
Min Balance $2,500 Details Balance: $2,500.00 & greater Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Health Savings Account	0.25%	0.25%
Min Balance $1,000 Details Balance: $1,000 to $2,499 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Health Savings Account	0.20%	0.20%
Min Balance $500 Details Balance: $500 to $999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Health Savings Account	0.15%	0.15%
Min Balance $100 Details Balance: $100 to $499 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Health Savings Account	0.10%	0.10%
Min Balance $0 Details Balance: $0.01 to $99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%

Integrity Bank & Trust Money Market Rates

Product	Rate	APY
Business Money Market	1.40%	1.41%
Min Balance $250,000 Details Balance: $250,000 to $499,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Business Money Market	1.40%	1.41%
Min Balance $500,000 Details Balance: $500,000 & greater Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Personal Money Market	1.40%	1.41%
Min Balance $250,000 Details Balance: $250,000 to $499,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Personal Money Market	1.40%	1.41%
Min Balance $500,000 Details Balance: $500,000 & greater Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Public Funds Money Market	1.40%	1.41%
Min Balance $100,000 Details Balance: $100,000 & greater Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Business Money Market	1.20%	1.21%
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Personal Money Market	1.20%	1.21%
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Business Money Market	1.00%	1.01%
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Personal Money Market	1.00%	1.01%
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Public Funds Money Market	1.00%	1.01%
Min Balance $0 Details Balance: $0.01 to $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Business Money Market	0.90%	0.91%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Personal Money Market	0.90%	0.91%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Business Money Market	0.80%	0.80%
Min Balance $0 Details Balance: $0.01 to $24,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Personal Money Market	0.80%	0.80%
Min Balance $0 Details Balance: $0.01 to $24,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%

Integrity Bank & Trust Checking Rates

Product	Rate	APY
Gold Rewards Checking	2.00%	2.02%
Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Reward Rates (when qualifications are met); Balance: $0.01 - $10,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Gold Rewards Checking	0.50%	0.50%
Min Balance $10,000 Details Published APY range: 0.50% to 2.02%. Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Reward Rates (when qualifications are met); Balance: $10,000.01 and greater Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Platinum Fifty Plus Checking	0.50%	0.50%
Min Balance $500 Details Balance: $500 and greater Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Gold Rewards Checking	0.05%	0.05%
Details Any Balance-Base Rate (when qualifications are not met) Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%

Integrity Bank & Trust Other Rates

Product	Rate	Points	APY/APR
Business Not-for-Profit	1.00%	-	1.01%
Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Business Public Funds	1.00%	-	1.01%
Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%
Business Sole Proprietorship	1.00%	-	1.01%
Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.47%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Integrity Bank & Trust’s Texas Ratio fell from 8.24% in Q3 2023 to 7.47% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$460M	7.47%	5.0	A
March 31, 2026	$453M	10.57%	5.0	A
December 31, 2025	$445M	11.86%	5.0	A
September 30, 2025	$448M	11.05%	5.0	A
June 30, 2025	$438M	7.45%	5.0	A
March 31, 2025	$398M	7.64%	5.0	A
December 31, 2024	$383M	7.41%	5.0	A
September 30, 2024	$368M	6.77%	5.0	A
June 30, 2024	$349M	7.19%	5.0	A
March 31, 2024	$345M	7.81%	5.0	A
December 31, 2023	$347M	9.37%	5.0	A
September 30, 2023	$338M	8.24%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Integrity Bank & Trust 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 Integrity Bank & Trust 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 Integrity Bank & Trust's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Integrity Bank & Trust

Bank Holding Company INTEGRITY CAPITAL HOLDINGS INC

Address 1275 Village Ridge Pt, Monument, CO 80132 · El Paso

Website https://www.integritybankandtrust.com

FDIC Certificate # 57587

Established 20030811

FDIC Insurance Date 20030811

Domestic Offices 6

Total Branches 6

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.47%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9050%

Return on Equity (ROE) 10.5200%

Non-Performing Loans (NPL) 0.41%

Total Assets $459,560,000

Total Deposits $372,599,000

Equity Capital $40,608,000

Net Income $2,048,000

Headquarters Monument

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Integrity Bank & Trust earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/integrity-bank-and-trust-rates-review-57587">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Integrity Bank & Trust yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Integrity Bank & Trust

Frequently Asked Questions About Integrity Bank & Trust

How many branches does Integrity Bank & Trust operate?

Integrity Bank & Trust currently maintains approximately 6 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, Integrity Bank & Trust 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, Integrity Bank & Trust provides members with tools to manage their accounts and build a solid financial history.

Does Integrity Bank & Trust offer online and mobile banking?

Most modern institutions like Integrity Bank & Trust 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.integritybankandtrust.com.