Central Federal Savings and Loan Association

Overview / Commentary

www.centralfederalsavings.com

708-656-5000

5953 W Cermak Road
Cicero, IL 60804

Central Federal Savings and Loan Association is headquartered in Cicero and is the 212^th largest bank in the state of Illinois. It is also the 3,112^th largest bank in the nation. It was established in 1892 and as of March of 2019, it had grown to 48 employees at 3 locations. Central Federal Savings and Loan Association's money market rates are 5X the national average, and it has an A health rating.

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Health

Data as of Q1 2019

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Health Grade Components

Overall
FDIC Certificate #	28425
Year Established	1892
Employees	48
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.14%
Return on Equity - YTD	1.35%
Annual Interest Income	$1.6MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$178.6MM$180.9MM
Loans	Q1 2019vs Q1 2018	$110.1MM$109.4MM
Deposits	Q1 2019vs Q1 2018	$150.2MM$150.2MM
Equity Capital	Q1 2019vs Q1 2018	$18.8MM$17.2MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$1.1MM$1.3MM
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$573.00K$1.4MM
Real Estate Owned	Q1 2019vs Q1 2018	$421.00K$166.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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

Central Federal Savings and Loan Association Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$20k^*	-	Passbook Savings
OTHER TIERS: 0.03% → Up to $1k \| 0.05% → $1k - $20k
0.10%^*	$20k^*	-	Statement Savings
OTHER TIERS: 0.03% → Up to $1k \| 0.05% → $1k - $20k
0.10%^*	$20k^*	-	Christmas Club
OTHER TIERS: 0.03% → Up to $1k \| 0.05% → $1k - $20k
0.10%^*	$20k^*	-	Kid Saver
OTHER TIERS: 0.03% → Up to $1k \| 0.05% → $1k - $20k

Central Federal Savings and Loan Association Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.20%^*	$100k^*	-	Premier High Yield Money Market
OTHER TIERS: 0.95% → $50k - $100k
0.25%^*	$100k^*	-	Platinum Money Market
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $50k \| 0.15% → $50k - $100k
0.05%	$2.5k	-	Gold Money Market

Central Federal Savings and Loan Association Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$50k^*	-	Preferred Checking with Interest
OTHER TIERS: 0.03% → $5k - $20k \| 0.05% → $20k - $50k
0.03%	$2.5k	-	Super Checking with Interest
0.02%	$200	-	Basic Checking with Interest

Central Federal Savings and Loan Association CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.30%	$2.5k	-	59 Month CD Special - With Checking
2.25%	$2.5k	-	37 Month CD Special - With Checking
2.20%	$2.5k	-	25 Month CD Special - With Checking
2.15%	$2.5k	-	19 Month CD Special - With Checking
2.10%	$2.5k	-	13 Month CD Special - With Checking
1.10%	$2.5k	-	7 Month CD Special - With Checking
0.60%	$500	-	5 Year CD
0.59%	$10k	-	5 Year CD - Monthly Check Transfer CD
0.50%	$500	-	4 Year CD
0.49%	$10k	-	4 Year CD - Monthly Check Transfer CD
0.40%	$500	-	3 Year CD
0.39%	$10k	-	3 Year CD - Monthly Check Transfer CD
0.30%	$500	-	30 Month CD
0.29%	$10k	-	30 Month - Monthly Check Transfer CD
0.20%	$500	-	24 Month CD
0.19%	$10k	-	24 Month - Monthly Check Transfer CD
0.15%	$500	-	18 Month CD
0.14%	$10k	-	18 Month - Monthly Check Transfer CD
0.10%	$2.5k	-	12 Month CD
0.09%	$10k	-	12 Month - Monthly Check Transfer CD
0.05%	$2.5k	-	182 Day CD
0.04%	$2.5k	-	91 Day CD
0.03%	$2.5k	-	31 Day CD

Central Federal Savings and Loan Association IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.40%	$50k	-	12 Month IRA CD Special - IRA Rollover
2.15%	$2.5k	-	12 Month IRA CD Special

Locations

Central Federal Savings and Loan Association Locations
LA Grange Park Branch	1921 E 31st St.	La Grange Park, IL 60526
Central Federal Savings and Loan Association	5953 W Cermak Road	Cicero, IL 60804
6940 W Ogden Ave Branch	6940 West Ogden Avenue	Berwyn, IL 60402

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