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First Federal Savings and Loan Association of Central Illinois


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/15/2025
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
APY APY = Annual Percentage Yield Rates as of 5/15/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/15/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/15/2025
4.35%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/15/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/15/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/15/2025
3.60%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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.1stfedci.com
217-774-3322
200 N Morgan Street
Shelbyville, IL 62565

First Federal Savings and Loan Association of Central Illinois is headquartered in SHELBYVILLE and is the 191st largest bank in the state of Illinois. It is also the 2,963rd largest bank in the nation. It was established in 1906 and as of December of 2024, it had grown to 35 employees at 3 locations. First Federal Savings and Loan Association of Central Illinois' money market rates are 3X the national average, and it has an A health rating.

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Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #29645
Year Established1906
Employees35
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD10.55%
Annual Interest Income$11.6MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$212.9MM$199.3MM
LoansQ4 2024vs Q4 2023$145.6MM$143.7MM
DepositsQ4 2024vs Q4 2023$182.6MM$168MM
Equity CapitalQ4 2024vs Q4 2023$21.4MM$19.3MM
Loan Loss AllowanceQ4 2024vs Q4 2023$1.8MM$1.6MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$702K$827K
Real Estate OwnedQ4 2024vs Q4 2023$591K$315K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/15/2025
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
APY APY = Annual Percentage Yield Rates as of 5/15/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/15/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/15/2025
4.35%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/15/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/15/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/15/2025
3.60%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Federal Savings and Loan Association of Central Illinois Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%$100-1st Fed Savings With Checking
0.75%$0-Christmas Club Savings
0.75%$0-Health Savings
0.75%$100-1st Fed Savings

First Federal Savings and Loan Association of Central Illinois Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*$100k*-Money Market
OTHER TIERS: 0.75% → $0 - $25k | 1.01% → $25k - $100k

First Federal Savings and Loan Association of Central Illinois Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$500-Free Checking w/ Interest

First Federal Savings and Loan Association of Central Illinois CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.05%$1k-60 Month CD
3.05%$1k-48 Month CD
3.05%$1k-36 Month CD
2.79%$1k-30 Month CD
2.53%$1k-24 Month CD
2.28%$1k-18 Month CD
2.22%$1k-12 Month CD
2.02%$1k-6 Month CD

First Federal Savings and Loan Association of Central Illinois IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.05%$100-36 Month IRA
3.05%$100-48 Month IRA
3.05%$100-60 Month IRA
2.79%$100-30 Month IRA
2.53%$100-24 Month IRA
2.28%$100-18 Month IRA
2.22%$100-12 Month IRA
2.02%$100-6 Month IRA
Locations


First Federal Savings and Loan Association of Central Illinois Locations
Windsor Branch1116 Maine StWindsor, IL 61957
First Federal Savings and Loan Association Of Cent200 N Morgan StreetShelbyville, IL 62565
First FS & LA Of Shelbyville Thrift Branch800 West Lincoln AvenueCharleston, IL 61920

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