Central Federal Savings and Loan Association

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
0.60%	5-year CD	3.00% - Goldman Sachs Bank USA High-yield 5 Year CD
0.10%	1-year CD	2.70% - Goldman Sachs Bank USA High-yield 12 Month CD
0.10%	Savings	2.20% - Barclays Online Savings Account

View all Central Federal Savings and Loan Association rates »

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 213^th largest bank in the state of Illinois. It is also the 3,118^th largest bank in the nation. It was established in 1892 and as of December of 2018, it had grown to 51 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 Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	28425
Year Established	1892
Employees	51
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.83%
Return on Equity - YTD	8.4%
Annual Interest Income	$6.1MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$177.4MM$180.8MM
Loans	Q4 2018vs Q4 2017	$110.5MM$109.2MM
Deposits	Q4 2018vs Q4 2017	$149.2MM$149.5MM
Equity Capital	Q4 2018vs Q4 2017	$18.6MM$17.4MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$1.1MM$1.3MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$854.00K$1.4MM
Real Estate Owned	Q4 2018vs Q4 2017	$182.00K$102.00K

Rates

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Savings
Money Market
Checking
CD
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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
2.75%	$2.5k	-	59 Month CD Special - With Checking
2.65%	$2.5k	-	37 Month CD Special - With Checking
2.65%	$2.5k	-	59 Month CD Special - Without Checking
2.55%	$2.5k	-	37 Month CD Special - Without Checking
2.50%	$2.5k	-	25 Month CD Special - With Checking
2.40%	$2.5k	-	25 Month CD Special - Without Checking
2.40%	$2.5k	-	19 Month CD Special - With Checking
2.30%	$2.5k	-	19 Month CD Special - Without Checking
2.25%	$2.5k	-	13 Month CD Special - With Checking
2.15%	$2.5k	-	13 Month CD Special - Without Checking
1.25%	$2.5k	-	7 Month CD Special - With Checking
1.15%	$2.5k	-	7 Month CD Special - Without Checking
0.60%	$500	-	5 Year CD
0.50%	$500	-	4 Year CD
0.40%	$500	-	3 Year CD
0.30%	$500	-	30 Month CD
0.20%	$500	-	24 Month CD
0.15%	$500	-	18 Month CD
0.10%	$2.5k	-	12 Month CD
0.05%	$2.5k	-	182 Day CD

Central Federal Savings and Loan Association IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%	$50k	-	12 Month CD Special - IRA Rollover
2.00%	$2.5k	-	12 Month IRA CD Special
0.60%	$100	-	5 Year IRA
0.50%	$100	-	4 Year IRA
0.40%	$100	-	3 Year IRA
0.30%	$100	-	30 Month IRA
0.20%	$100	-	24 Month IRA
0.15%	$100	-	18 Month IRA
0.10%	$100	-	12 Month IRA
0.05%	$100	-	182 Day IRA

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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