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Industrial and Commercial Bank of China USA, National Association is an FDIC insured institution headquartered at
1185 Avenue Of The Americas, New York, NY 10036.
It was founded in
1983 and has approximately $3 billion in assets. Customers can open an account at one of its 13 branches.
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.10% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.18% | $10,000 | Compare |
|
6 Mo CD
|
0.28% | $100,000 | Compare |
|
12 Mo CD
|
0.30% | $10,000 | Compare |
|
12 Mo CD
|
0.40% | $100,000 | Compare |
|
18 Mo CD
|
0.40% | $10,000 | Compare |
|
18 Mo CD
|
0.50% | $100,000 | Compare |
|
24 Mo CD
|
0.50% | $10,000 | Compare |
|
24 Mo CD
|
0.60% | $100,000 | Compare |
|
36 Mo CD
|
0.60% | $10,000 | Compare |
|
36 Mo CD
|
0.70% | $100,000 | Compare |
|
48 Mo CD
|
0.00% | $10,000 | Compare |
|
48 Mo CD
|
0.00% | $100,000 | Compare |
|
60 Mo CD
|
0.00% | $10,000 | Compare |
|
60 Mo CD
|
0.00% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.05% | $2,500 | Compare |
|
Money Market
|
0.10% | $10,000 | Compare |
|
Money Market
|
0.15% | $25,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.10% | $1 |
|
Int Ckg
|
0.10% | $2,500 |
| Fund home improvements, debt consolidation, major expenses, & more | $0 |
|
Intro APR: 6.540 %
After Intro:6.540 % Intro Period: 6 months |
$5,000 |
|
Intro APR: 6.823 %
After Intro:6.823 % |
$25,000 |
Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
District Lending NMLS ID: 598623 / Updated 2026-06-23 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
|
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22 |
Intro APR: 5.990 %
After Intro:7.000 % Intro Period: 12 months |
$25,000 |
|
Intro APR: 7.375 %
After Intro:7.375 % Intro Period: 7 months |
$25,000 |
AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2026-07-17 |
Use Home Equity to get cash you need | $0 |
District Lending NMLS ID: 598623 / Updated 2026-07-17 |
Work with a human | $0 |
CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2026-07-17 |
Unlock Your Home's Potential | $0 |
| HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online. | $0 |
Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2026-07-17 |
Get cash now in exchange for a percentage of your homes future equity. | $0 |
| Cash in with a HELOC | $0 |
Basis Lending, LLC NMLS ID: 2463124 |
6.305% |
$1,945
Fees & Points
$6,314 Total
0.875 Pts ($2,800) $3,515 Fees |
Copperstate Home Loans NMLS ID: 1982090 |
6.322% |
$1,971
Fees & Points
$2,559 Total
0.375 Pts ($1,200) $1,359 Fees |
Optimum First Mortgage NMLS ID: 240415 |
6.366% |
$1,971
Fees & Points
$3,947 Total
0.610 Pts ($1,952) $1,995 Fees |
| 6.464% |
$1,997
Fees & Points
$3,008 Total
0.940 Pts ($3,008) $0 Fees |
| 6.465% |
$1,997
Fees & Points
$3,287 Total
0.641 Pts ($2,051) $1,236 Fees |
Beeline Loans, Inc. NMLS ID: 1799947 |
6.467% |
$1,997
Fees & Points
$3,104 Total
0.970 Pts ($3,104) $0 Fees |
Northpointe Bank NMLS ID: 447490 |
6.487% |
$1,997
Fees & Points
$3,773 Total
0.743 Pts ($2,378) $1,395 Fees |
Mutual of Omaha Mortgage NMLS ID: 1025894 |
6.492% |
$1,971
Fees & Points
$8,240 Total
0.450 Pts ($1,440) $6,800 Fees |
PenFed Credit Union NMLS ID: 401822 |
6.518% |
$1,997
Fees & Points
$4,795 Total
0.875 Pts ($2,800) $1,995 Fees |
| 6.595% |
$2,023
Fees & Points
$3,277 Total
0.696 Pts ($2,227) $1,050 Fees |
|
Fees & Points
Total
Pts ($0) $0 Fees |
CrossCountry Mortgage NMLS ID: 3029 |
Fees & Points
Total
Pts ($0) $0 Fees |
Veterans United Home Loans NMLS ID: 1907 |
Fees & Points
Total
Pts ($0) $0 Fees |
Quicken Loans NMLS ID: 167283 |
Fees & Points
Total
Pts ($0) $0 Fees |
Rocket Mortgage NMLS ID: 3030 |
Fees & Points
Total
Pts ($0) $0 Fees |
Beeline Loans, Inc. NMLS ID: 1799947 |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 24387 |
| Date Established | 1983 |
| Assets | $ 2.90 billion |
| Loans | $ 2.72 billion |
| Deposits | $ 2.21 billion |
| Capital | $ 488.96 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 97.57 million |
| Interest-bearing balances | $ 93.53 million |
| Total securities | $ 7.44 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 2.72 billion |
| Loan loss allowance | $ 20.85 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 41.85 million |
| Total Assets | $ 2.41 billion |
| LIABILITIES | |
| Total deposits | $ 2.21 billion |
| Interest-bearing deposits | $ 1,831.97 million |
| Deposits held in domestic offices | $ 2.21 billion |
| % insured (estimated)" | 71.96% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 50.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 74.65 millionn |
| Total Liabilities | $ 2.41 billion |
| Shareholders’ Equity | $ 488.96 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 156.47 million |
| Total Interest Expense | $ 73.12 million |
| Net interest income | $ 83.35 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 2.81 million |
| Total non interest expense | $ 65.26 million |
| Pre-tax Net Operating Income | $ 12.52 million |
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