BankFinancial, FSB

Overview / Commentary
21110 South Western Avenue
Olympia Fields, IL 60461

BankFinancial, FSB is headquartered in Olympia Fields and is the 34th largest bank in the state of Illinois. It is also the 546th largest bank in the nation. It was established in 1924 and as of June of 2019, it had grown to 231 employees at 20 locations. BankFinancial, FSB's CD rates are 56% higher than the national average, and it has an A health rating.

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Reviews (1)

I Do Not Enjoy This Bank.

The only reason I stayed with this bank for so long is that it's convenient to where I live. After all this time (probably at least 20 plus years) I have direct deposit of my SS check, three insurance payments are automatically deducted at the first of the month and I have numerous utility bills also deducted automatically. Here's my biggest beef; they charge you $3.50 to make an external transfer to another bank. Every other bank does not charge anything for this service; ridiculous.


Health Grade Components

FDIC Certificate #28808
Year Established1924
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD5.97%
Annual Interest Income$33.1MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$1.53B$1.57B
LoansQ2 2019vs Q2 2018$1.27B$1.29B
DepositsQ2 2019vs Q2 2018$1.35B$1.32B
Equity CapitalQ2 2019vs Q2 2018$162.6MM$181.6MM
Loan Loss AllowanceQ2 2019vs Q2 2018$7.8MM$8.2MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$3.0MM$1.6MM
Real Estate OwnedQ2 2019vs Q2 2018$497.00K$1.2MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

BankFinancial, FSB Savings Account Rates

0.50%*$75k*-Self Directed IRA Account
OTHER TIERS: 0.20% Up to $2.5k | 0.30% $2.5k - $10k | 0.40% $10k - $75k
0.40%$1k-Spectrum Select Savings
0.40%$1k-Spectrum Select Business Savings
0.20%$150-Business Savings Accounts
0.20%--Kids Savings Account
0.20%$150-Everyday Savings Account

BankFinancial, FSB Money Market Rates

1.00%*$25k*-Spectrum Select Money Market
OTHER TIERS: 0.50% Up to $2.5k | 0.75% $2.5k - $25k
1.00%*$25k*-Spectrum Select Business Money Market
OTHER TIERS: 0.50% Up to $2.5k | 0.75% $2.5k - $25k
0.50%*$75k*-Personal Money Market
OTHER TIERS: 0.20% Up to $2.5k | 0.30% $2.5k - $10k | 0.40% $10k - $75k
0.50%*$75k*-Business Money Market
OTHER TIERS: 0.20% Up to $2.5k | 0.30% $2.5k - $10k | 0.40% $10k - $75k
0.50%*$75k*$250kPublic Funds Money Market
OTHER TIERS: 0.20% Up to $2.5k | 0.30% $2.5k - $10k | 0.40% $10k - $75k

BankFinancial, FSB Checking Account Rates

1.50%*$100k*-Spectrum Select Corporate Checking
OTHER TIERS: 1.00% $50k - $75k | 1.25% $75k - $100k
1.49%*-$25keRewards Checking
OTHER TIERS: 0.40% $25k+
1.41%--IOLTA Checking
0.40%*$50k*-Spectrum Select Checking
OTHER TIERS: 0.10% Up to $2.5k | 0.25% $2.5k - $10k | 0.30% $10k+
0.40%*$50k*-Spectrum Select Business Checking
OTHER TIERS: 0.10% Up to $2.5k | 0.25% $2.5k - $10k | 0.30% $10k - $50k
0.10%$1.5k-Small Business Checking
0.10%--Public Funds Checking
0.10%$1.5k-Civic Checking
0.01%--Express Checking

BankFinancial, FSB CD Rates

1.80%$10k-11 Month Spectrum Select CD
1.80%$10k-Business 11 Month Spectrum Select CD
1.75%$10k-15 Month Spectrum Select CD
1.75%$1k-14 Month eCD
1.75%$10k-Business 15 Month Spectrum Select CD
1.65%$10k-22 Month Spectrum Select CD
1.65%$1k-21 Month eCD
1.65%$10k-Business 22 Month Spectrum Select CD
1.63%$1k-18 Month Variable Rate CD
1.63%$1k-Business 18 Month Variable Rate CD
1.50%$1k-4 Year CD
1.50%$1k-5 Year CD
1.50%$1k-Business 4 Year CD
1.50%$1k-Business 5 Year CD
1.45%$1k-2.5 Year CD
1.45%$1k-3 Year CD
1.45%$1k-Business 2.5 Year CD
1.45%$1k-Business 3 Year CD
1.40%$1k-1 Year CD
1.40%$1k-1.5 Year CD
1.40%$1k-18 Month Jump Rate CD
1.40%$1k-2 Year CD
1.40%*$1k*-1 Year Goal Setter CD
OTHER TIERS: 0.25% $25 - $1k
1.40%*$1k*-2 Year Goal Setter CD
OTHER TIERS: 0.25% $25 - $1k
1.40%$500-1 Year Kids CD
1.40%$1k-Business 18 Month Jump Rate CD
1.40%$1k-Business 1 Year CD
1.40%$1k-Business 2 Year CD
0.50%$1k-6 Month CD
0.50%*$1k*-6 Month Goal Setter CD
OTHER TIERS: 0.25% $25 - $1k
0.50%$500-6 Month Kids CD
0.50%$1k-Business 6 Month CD
0.35%$1k-91 Day CD
0.35%$1k-Business 91 Day CD

BankFinancial, FSB IRA Rates

1.80%$10k-11 Month Spectrum Select IRA
1.75%$10k-15 Month Spectrum Select IRA
1.65%$10k-22 Month Spectrum Select IRA
1.63%$500-18 Month Variable Rate
1.55%$500-4 Year IRA
1.55%$500-5 Year IRA
1.50%$500-2.5 Year IRA
1.50%$500-3 Year IRA
1.45%$500-1 Year IRA
1.45%$1k-18 Month Jump Rate IRA
1.45%$500-1.5 Year IRA
1.45%$500-2 Year IRA
0.55%$500-6 Month IRA
0.40%$500-91 Day IRA


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