No stored Google rating available.
FDIC-insured national bank headquartered in Miami offering personal and business checking, savings, loans, and international banking services with bilingual support.
Data compiled from public sources
Intercredit Bank, National Association is a federally-chartered bank based in Miami, Florida that has been serving consumers and businesses with personalized banking relationships. The bank emphasizes a relationship-focused approach with the tagline "At Intercredit, business is always personal," positioning itself as an alternative to larger national banks by offering personalized attention rather than automated, impersonal service. The bank offers a comprehensive suite of products for both personal and business customers.
Personal banking includes checking and savings accounts, CDs, IRAs, debit cards, residential loans, credit cards, and digital services like online banking, mobile deposit, bill pay, and peer-to-peer transfers. Business customers can access commercial checking and savings accounts, commercial real estate loans, construction financing, SBA 504 real estate loans, term loans, corporate structured financing, and business credit cards. Additionally, Intercredit serves international customers with tailored accounts, loans, and payment services, including foreign exchange wire transfers and letters of credit.
Intercredit differentiates itself through several specific features: it operates physical branches with Monday-Friday lobby hours while offering 24/7 mobile banking, provides access to Presto! Network ATMs at no extra charge, explicitly supports small business growth, and offers listed services for international customers. The bank also maintains bilingual support in English and Spanish and is listed about its FDIC insurance coverage and regulatory compliance (Member FDIC, Equal Housing Lender).
As a regional bank based in Miami, Intercredit serves a specific geographic and customer base, particularly those seeking relationship-driven banking and businesses needing listed commercial real estate and international financing. However, the website provides limited detail on specific product terms, rates, and fees beyond indicating a Schedule of Fees is available. Customers should expect to contact the bank directly or visit branches for detailed pricing information on loans, credit cards, and deposit products.
This is state-level context for Banks consumers in Coral Gables, FL. It does not confirm that Intercredit Bank, National Association or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Intercredit Bank, National Association processed 89 mortgage applications in 2023, with 86.5% recorded as approved across 4 states.
89
Applications
86.5%
Approval Rate
$418K
Avg Loan
4
States Served
Based on 89 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Intercredit Bank, National Association offers 12 services including Personal and business checking accounts, Savings accounts and CDs with IRA options, Residential and commercial real estate loans, Commercial term loans and construction financing, SBA 504 real estate financing, and 7 more.
Intercredit Bank, National Association has profile signals associated with Small business owners seeking personalized commercial real estate financing, International customers and businesses needing foreign exchange and cross-border payment services, Miami-based individuals and businesses preferring relationship-driven banking with bilingual support, Customers wanting 24/7 mobile banking combined with accessible physical branch locations.
Key strengths: FDIC-insured with full U.S. government backing on deposits; No-fee access to Presto! Network ATMs nationwide; Bilingual banking support in English and Spanish. Areas to consider: Limited geographic footprint as a regional bank (Miami-based with specific branch locations); Website lacks listed rates, fees, and product terms—requires contacting bank directly.
In the Banks category, comparable providers include American Momentum Bank, Crews Bank & Trust, EdFed. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Intercredit Bank is profile signals for small business owners, international customers, and Miami-area residents seeking relationship-focused banking with personalized service rather than automated alternatives. The main caveat is that as a regional bank, it has limited physical presence outside Miami and offers fewer online-only conveniences than national neobanks; customers need direct contact with the bank to obtain specific rates and fees.
FDIC-insured bank offering personal and business checking, savings, CDs, IRAs, and lending products across multiple states with focus on association and small business banking.
Google rating from 17 reviews
Profile signals: Small business owners and entrepreneurs needing SBA loans and commercial lending in Texas or Florida, Property managers and HOA companies seeking dedicated association banking support
Crews Bank & Trust is a full-service bank with 90+ years of Florida history, offering personal and business banking, mortgages, investment services, and trust administration through multiple branches including Sarasota.
Google rating from 39 reviews
Profile signals: Florida-based business owners seeking relationship-driven banking with SBA loans, commercial real estate financing, and treasury management, Sarasota-area residents and professionals wanting a full-service bank with trust/wealth management and estate planning services
Educational Federal Credit Union offers member-owned banking services including auto loans, mortgages, credit cards, and home equity products with promotional rates and cash-back incentives.
Google rating from 76 reviews
Profile signals: Credit union members seeking auto loans with promotional rates and deferred payment options, Homebuyers interested in guided home purchasing through dedicated concierge support
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Intercredit Bank, National Association and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.