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Ireland Bank

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Ireland Bank Rates & Review March 2026

Q: How many branches does Ireland Bank operate?

Ireland Bank currently maintains approximately 12 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, Ireland 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Ireland 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: March 27, 2026

Ireland Bank's 6-Month CDs rates are at 3.40%. Ireland Bank's Personal Loan Rates are at 5.51%. MonitorBankRates evaluates the financial stability of Ireland Bank with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 03/27/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

No Data No data

Ireland Bank

33 Bannock St
Malad City, ID 83252

https://www.ireland-bank.com

Ireland Bank CD Rates

Product	Rate	APY	Term	View More
6 Month CDs	-	3.40%
No additional details. Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Ireland Bank Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	5.51%
Details As Low As Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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.

Methodology & Data Sources

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

Bank Profile & Overview

Institution Name Ireland Bank

Bank Holding Company IRELAND BCORP LTD

Address 33 Bannock St, Malad City, ID 83252 · Oneida

Website https://www.ireland-bank.com

FDIC Certificate # 1237

Established 12/01/1892

FDIC Insurance Date 01/01/1934

Domestic Offices 12

Total Branches 12

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

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8747%

Return on Equity (ROE) 14.9500%

Non-Performing Loans (NPL) 0.00%

Total Assets $371,201,000

Total Deposits $325,096,000

Equity Capital $35,417,000

Net Income $3,160,000

Headquarters Malad City

Total Offices 12

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Ireland Bank

Is Ireland Bank a safe place to deposit money?

Yes, Ireland Bank is considered a safe financial institution. 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 Ireland Bank operate?

Ireland Bank 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, Ireland 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, Ireland Bank provides members with tools to manage their accounts and build a solid financial history.

Does Ireland Bank offer online and mobile banking?

Most modern institutions like Ireland 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.ireland-bank.com.