Central Bank Illinois

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.central-bank.com

309-944-5601

101 North State Street
Geneseo, IL 61254

Central Bank Illinois is headquartered in GENESEO and is the 46^th largest bank in the state of Illinois. It is also the 793^rd largest bank in the nation. It was established in 1907 and as of March of 2025, it had grown to 183 employees at 12 locations. Central Bank Illinois' money market rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	11670
Year Established	1907
Employees	183
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.88%
Return on Equity - YTD	9.58%
Annual Interest Income	$17.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.39B$1.31B
Loans	Q1 2025vs Q1 2024	$944MM$866.8MM
Deposits	Q1 2025vs Q1 2024	$1.03B$962.9MM
Equity Capital	Q1 2025vs Q1 2024	$131.7MM$116.3MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$10.6MM$9.6MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$3.2MM$861K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Skip to rates for:

Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Central Bank Illinois; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Central Bank Illinois Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%^*	$0	$50k	Kasasa Saver
OTHER TIERS: 0.20% → $50k+
0.25%^†	$0	-	Statement Savings Account - Geneseo/Andover
0.25%^*^†	$10k^*	-	Health Savings Accounts - Geneseo/Andover
OTHER TIERS: 0.05% → $0 - $1k \| 0.10% → $1k - $5k \| 0.15% → $5k - $10k
0.10%^*^†	$1k^*	-	Educational IRA Account - Geneseo/Andover
OTHER TIERS: 0.05% → $0 - $1k

Central Bank Illinois Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.05%^*^†	$500k^*	-	Personal Premium Money Market Savings Account - Geneseo/Andover
OTHER TIERS: 0.60% → $25k - $50k \| 0.75% → $50k - $100k \| 0.90% → $100k - $250k \| 0.95% → $250k - $500k
1.05%^*^†	$500k^*	-	Business Premium Money Market Savings Account - Geneseo/Andover
OTHER TIERS: 0.60% → $25k - $50k \| 0.75% → $50k - $100k \| 0.90% → $100k - $250k \| 0.95% → $250k - $500k
0.60%^*^†	$25k^*	-	Personal Money Market Savings Account - Geneseo/Andover
OTHER TIERS: 0.25% → $1k - $5k \| 0.35% → $5k - $25k
0.60%^*^†	$25k^*	-	Business Money Market Savings Account - Geneseo/Andover
OTHER TIERS: 0.25% → $1k - $5k \| 0.35% → $5k - $25k

Central Bank Illinois Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.15%^*^†	$0	$20k	Kasasa Cash Checking
OTHER TIERS: 0.20% → $20k+
0.20%^*^†	$10k^*	-	Image Plus Checking Account - Geneseo/Andover
OTHER TIERS: 0.15% → $2k - $5k \| 0.17% → $5k - $10k

Central Bank Illinois CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*^†	$25k^*	-	60 Month CD - Geneseo/Andover
OTHER TIERS: 1.75% → $1k - $25k
1.75%^*^†	$25k^*	-	30 Month CD - Geneseo/Andover
OTHER TIERS: 1.50% → $1k - $25k
1.50%^*^†	$25k^*	-	18 Month CD - Geneseo/Andover
OTHER TIERS: 1.25% → $1k - $25k
1.25%^*^†	$25k^*	-	12 Month CD - Geneseo/Andover
OTHER TIERS: 1.00% → $1k - $25k
0.75%^*^†	$25k^*	-	182 Day CD - Geneseo/Andover
OTHER TIERS: 0.60% → $1k - $25k
0.60%^*^†	$25k^*	-	91 Day CD - Geneseo/Andover
OTHER TIERS: 0.50% → $1k - $25k

Central Bank Illinois IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*^†	$1k^*	-	Traditional IRA Account - Geneseo/Andover
OTHER TIERS: 0.05% → $0 - $1k
0.10%^*^†	$1k^*	-	Roth IRA Account - Geneseo/Andover
OTHER TIERS: 0.05% → $0 - $1k

Locations

Cities: Andover, Ashton, Fulton, Geneseo, Oregon, Peru, Princeton, Rochelle, Sterling

Andover Branches
Andover Branch	State Road 81 and Mulberry Street	Andover, IL 61233

Ashton Branches
Ashton Rochelle Branch	803 Main Street	Ashton, IL 61006

Fulton Branches
Central Bank Fulton Branch	1404 14th Avenue	Fulton, IL 61252

Geneseo Branches
Central Bank Illinois	101 N State St	Geneseo, IL 61254
Financial Center Branch	425 Us Highway 6 East	Geneseo, IL 61254

Oregon Branches
Oregon Branch	307 Franklin Street	Oregon, IL 61061

Peru Branches
Main Bank	1721 Midtown Road	Peru, IL 61354

Princeton Branches
Princeton Branch	317 South Main Street	Princeton, IL 61356

Rochelle Branches
Main Bank	340 May Mart Drive	Rochelle, IL 61068

Sterling Branches
Sterling Branch	2607 E Lincolnway	Sterling, IL 61081

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