What are the current interest rates at Investment Savings Bank?

Current rates for Investment Savings Bank include: 12-Month CD: 0.15%, 18-Month CD: 3.79%, 24-Month CD: 0.40%, 36-Month CD: 0.50%, 48-Month CD: 0.50%, 60-Month CD: 0.50%, Savings: 0.10%

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Investment Savings Bank Rates & Review October 2026

Q: How many branches does Investment Savings Bank operate?

Investment Savings Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Investment Savings Bank 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: October 12, 2026

Investment Savings Bank's top rates as of October 12, 2026 are 4.04% APY on its 30-Month Certificate of Deposit, 0.10% APY on savings, 5.00% on its Adjustable Rate Mortgage Loan (ARM) Interest - 3/1 ARM, and personal loans from 9.50% APR, according to rates verified by MonitorBankRates. Other Investment Savings Bank CD rates include 18-Months 18-Month Certificate of Deposit at 3.79%, 1 Year Certificate of Deposit at 3.52%, and 5-Months 5-Month Certificate of Deposit at 3.50%. Other Investment Savings Bank mortgage rates include Adjustable Rate Mortgage Loan (ARM) Interest - 7/1 ARM at 5.50%. MonitorBankRates evaluates the financial stability of Investment Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.27%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.27%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Investment Savings Bank

900 S 16th St
Altoona, PA 16602

https://www.investmentsb.bank

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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.

Investment Savings Bank CD Rates

Product	Rate	APY	Term
30 Month Certificate of Deposit	4.00%	4.04%	30 Month
Min Balance $500 Details Balance: $500.00 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.18% → 4.04% ▲ 0.86 pts · high 4.04% / low 3.18% Oct 8, 20264.04%▲ from 3.18% Sep 20, 20263.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
18 Month Certificate of Deposit	3.75%	3.79%	18 Months
Min Balance $500 Details Balance: $500.00 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.02% → 3.79% ▲ 0.77 pts · high 3.79% / low 3.02% Oct 8, 20263.79%▲ from 3.02% Sep 20, 20263.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
1 Year Certificate of Deposit	3.50%	3.52%	1 Year
Min Balance $500 Details Balance: $500.00 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 3.40% → 3.52% ▲ 0.12 pts · high 3.52% / low 3.40% Oct 8, 20263.52%▲ from 3.40% Sep 20, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
5 Month Certificate of Deposit	3.50%	3.50%	5 Months
Min Balance $500 Details Balance: $500.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
3 Year Certificate of Deposit	0.50%	0.50%	3 Years
Min Balance $500 Details Balance: $500.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
4 Year Certificate of Deposit	0.50%	0.50%	4 Years
Min Balance $500 Details Balance: $500.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
5 Year Certificate of Deposit	0.50%	0.50%	5 Years
Min Balance $500 Details Balance: $500.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
2 Year Certificate of Deposit	0.40%	0.40%	2 Year
Min Balance $500 Details Balance: $500.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
25 Month Double Up Certificate of Deposit	0.40%	0.40%	25 Month
Min Balance $500 Details Balance: $500.00 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
12 Month Certificate of Deposit	0.25%	0.25%	12 Month
Min Balance $25,000 Details Term: 12 Month Variable Rate; Balance: $25,000.00 & Up Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
12 Month Certificate of Deposit	0.20%	0.20%	12 Month
Min Balance $10,000 Details Term: 12 Month Variable Rate; Balance: $10,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
12 Month Certificate of Deposit	0.15%	0.15%	12 Month
Min Balance $1,000 Details Term: 12 Month Variable Rate; Balance: $1,000.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
6 Month Certificate of Deposit	0.15%	0.15%	6 Months
Min Balance $500 Details Balance: $500.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
9 Month Certificate of Deposit	0.15%	0.15%	9 Months
Min Balance $500 Details Balance: $500.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
91 Day Certificate of Deposit	0.15%	0.15%	91 Day
Min Balance $2,500 Details Balance: $2,500.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
7 - 31 Day Certificate of Deposit	0.10%	0.10%	7-31 Day
Min Balance $2,500 Details Balance: $2,500.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

Investment Savings Bank Savings Rates

Product	Rate	APY
Christmas Club	0.25%	0.25%
Min Balance $20 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Vacation Club	0.25%	0.25%
Min Balance $20 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Kidz Klub Savings	0.10%	0.10%
Min Balance $20 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Savings Account	0.10%	0.10%
Min Balance $20 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

Investment Savings Bank Mortgage Rates

Product	Rate	Points	APR
Adjustable Rate Mortgage Loan (ARM) Interest - 3/1 ARM	5.00%	-	5.508%
Details Initial Payment per $1,000: $5.37 (3) Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 5.51% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Adjustable Rate Mortgage Loan (ARM) Interest - 7/1 ARM	5.50%	-	6.012%
Details Initial Payment per $1,000: $5.68 (4) Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 6.01% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

Investment Savings Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Installment Loan	5.50%	-	5.50%	60 Months
Details (1)(2)(3) Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Home Equity Installment Loan	6.00%	-	6.00%	120 Months
Details (1)(2)(3) Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Home Equity Installment Loan	6.375%	-	6.375%	180 Months
Details (1)(2)(3) Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.38% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Home Equity Installment Loan	6.625%	-	6.625%	240 Months
Details (1)(2)(3) Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.63% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Home Equity Line of Credit	-	-	6.75%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

Investment Savings Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans 2019-New	-	-	6.00%	48 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto Loans 2018 and older	-	-	6.25%	48 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto Loans 2019-New	-	-	6.50%	60 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto Loans 2018 and older	-	-	6.75%	60 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto Loans 2019-New	-	-	6.75%	72 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Auto Loans 2018 and older	-	-	7.00%	72 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

Investment Savings Bank Personal Loan Rates

Product	APR	Term
Personal Unsecured Loans	9.50%	36 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Personal Unsecured Loans	9.75%	48 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Personal Unsecured Loans	9.875%	60 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.88% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%
Unsecured Line of Credit	11.50%
Details Annual Percentage Rate is variable, and may change at any time. This account has an overdraft protection feature when used with your Investment Savings Bank checking account. No Floor. No Ceiling. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 11.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.27%

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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Financial Health History

Investment Savings Bank’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.27% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$105M	0.27%	5.0	A+
March 31, 2026	$106M	0.54%	5.0	A+
December 31, 2025	$106M	0.38%	5.0	A+
September 30, 2025	$104M	0.97%	5.0	A+
June 30, 2025	$103M	0.46%	5.0	A+
March 31, 2025	$105M	1.12%	5.0	A+
December 31, 2024	$102M	0.55%	5.0	A+
September 30, 2024	$104M	1.41%	5.0	A+
June 30, 2024	$106M	0.00%	5.0	A+
March 31, 2024	$107M	0.35%	5.0	A+
December 31, 2023	$103M	0.56%	5.0	A+
September 30, 2023	$102M	0.00%	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 Investment Savings Bank 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 Investment Savings Bank 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 Investment Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Investment Savings Bank

FDIC Certificate # 30121

Address 900 S 16th St, Altoona, PA 16602 · Blair

Website https://www.investmentsb.bank

Established 19390101

FDIC Insurance Date 19890809

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.27%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.4085%

Return on Equity (ROE) 1.9500%

Non-Performing Loans (NPL) 0.06%

Total Assets $105,248,000

Total Deposits $75,538,000

Equity Capital $22,228,000

Net Income $216,000

Headquarters Altoona

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Investment Savings Bank earned the Verified Healthy badge

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Frequently Asked Questions About Investment Savings Bank

How many branches does Investment Savings Bank operate?

Investment Savings Bank currently maintains approximately 2 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, Investment Savings Bank 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, Investment Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Investment Savings Bank offer online and mobile banking?

Most modern institutions like Investment Savings Bank 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.investmentsb.bank.