Bank · FDIC insured
Incommons Bank Savings Rates
Incommons Bank’s best savings rate is 0.25% APY on $10,000, with its Regular Savings. Rates checked October 16, 2026.
How Incommons Bank’s savings rates compare
Compared with banks and credit unions near Waco, TX, where Incommons Bank has the most branches. $10,000, best rate first.
This bank’s best
Incommons Bank
0.25%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $25
Regular Savings
Top rate
Texell Credit Union
3.50%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $350
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Incommons Bank savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified3.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Incommons Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Kasasa Saver
3.00%APY on $10,000
Links to free Kasasa Cash or Kasasa Cash Back checking account. Automatic transfers of Kasasa Cash or Kasasa Cash Back rewards. No monthly service fee.
| Part of the balance | Rate on that part |
|---|---|
| Up to $50,000 | 2.96% |
| Over $50,000 | 0.50% |
On $10,000 the tiers blend to about 3.00% APY, earning $300 a year.
Sources (2)
- incommonsbank.com/personal/per…s/free-kasasa-saver.html
- incommonsbank.com/loans/person…/construction-loans.html
All captured Oct 6, 2026
Regular Savings
0.25%APY
$100 minimum average balance requirement. Up to 6 withdrawals per month. Variable rate accounts; interest compounded quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (2)
- incommonsbank.com/loans/personal-loans/auto-loans.html
- incommonsbank.com/personal/per…ngs/regular-savings.html
All captured Oct 6, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.01%APY
$8.50 monthly fee waived on balances over $1,000. Unlimited check writing. Interest compounded monthly. Variable rate account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$8.50 monthly fee waived on balances over $1,000. Minimum balance fees could reduce interest earnings.Any balance | 0.01% | $1 | $8.50 monthly fee waived on balances over $1,000. Minimum balance fees could reduce interest earnings. |
Sources (2)
- incommonsbank.com/loans/personal-loans/auto-loans.html
- incommonsbank.com/personal/per…savings-account-hsa.html
All captured Oct 6, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.