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

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.illinoisbank.com

815-489-2114

4571 Guilford Rd
Rockford, IL 61107

Deposits held and insured by UMB Bank, National Association

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Health

Data as of Q1 2025

Data displayed below is for insuring bank: UMB Bank, National Association

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	8273
Year Established	1902
Employees	4300
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.67%
Return on Equity - YTD	7.85%
Annual Interest Income	$737.4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$69.01B$45.07B
Loans	Q1 2025vs Q1 2024	$35.57B$23.42B
Deposits	Q1 2025vs Q1 2024	$58.14B$37.05B
Equity Capital	Q1 2025vs Q1 2024	$6.77B$3.18B
Loan Loss Allowance	Q1 2025vs Q1 2024	$368.9MM$226.2MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$99.5MM$20.8MM
Real Estate Owned	Q1 2025vs Q1 2024	$4.2MM$2.5MM

TODAY'S FEATURED RATES

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

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

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Illinois Bank & Trust; 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.

Illinois Bank & Trust Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$250k^*	-	Signature Series Savings
OTHER TIERS: 0.25% → $50k - $150k \| 0.75% → $150k - $250k
0.50%^*	$50k^*	-	Platinum Savings
OTHER TIERS: 0.25% → $0 - $50k
0.20%	$0	-	Regular Savings
0.05%	$0	-	High Yield Savings Account

Illinois Bank & Trust Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.95%	$0	-	Money Market Special - New Money
1.75%^*	$1m^*	-	Premium Money Market Savings
OTHER TIERS: 0.05% → $0 - $100k \| 1.25% → $100k - $1m
1.00%^*	$100k^*	-	Regular Money Market Savings
OTHER TIERS: 0.05% → $0 - $100k

Illinois Bank & Trust Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$250k^*	-	Signature Series Checking
OTHER TIERS: 0.25% → $50k - $250k
0.25%^*	$50k^*	-	Platinum Checking
OTHER TIERS: 0.10% → $0 - $50k

Illinois Bank & Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%	$0	$1m	8 Month CD Special - New Money
0.75%	$0	-	48 Month CD
0.75%	$0	-	60 Month CD
0.70%	$0	-	36 Month CD
0.60%	$0	-	24 Month CD
0.60%	$0	-	18 Month CD
0.55%	$0	-	12 Month CD
0.25%	$0	-	6 Month CD
0.10%	$0	-	3 Month CD

Illinois Bank & Trust IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%	$0	$1m	8 Month IRA Special - New Money
0.75%	$0	-	48 Month IRA
0.75%	$0	-	60 Month IRA
0.70%	$0	-	36 Month IRA
0.60%	$0	-	24 Month IRA
0.60%	$0	-	18 Month IRA
0.55%	$0	-	12 Month IRA
0.25%	$0	-	6 Month IRA
0.10%	$0	-	3 Month IRA
0.10%	$0	-	IRA Savings

Locations

Illinois Bank & Trust Locations
Rt. 173 Banking Center Branch	1515 West Lane Rd	Machesney Park, IL 61115
Sterling Banking Center	2403 North Locust Street	Sterling, IL 61081
Harrison Avenue Branch	2625 Stowmarket Avenue	Rockford, IL 61109
Illinois Bank & Trust	4571 Guilford Rd	Rockford, IL 61107
South Main Facility	400 South Main Street	Galena, IL 61036
Stewart Square Office Branch	308 W. State Street Suite 100	Rockford, IL 61101
Rockford Branch	6855 E Riverside Blvd	Rockford, IL 61114
Galena Branch	716 S. Bench Street	Galena, IL 61036

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.