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North Central Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
Bonus Amount
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.northcentralbank.com
815-925-7373
126 E. High Street
Hennepin, IL 61327

North Central Bank is headquartered in HENNEPIN and is the 231st largest bank in the state of Illinois. It is also the 3,369th largest bank in the nation. It was established in 1946 and as of March of 2025, it had grown to 24 employees at 2 locations. North Central Bank has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #17241
Year Established1946
Employees24
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.19%
Return on Equity - YTD10.49%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$153.9MM$152MM
LoansQ1 2025vs Q1 2024$84MM$82.1MM
DepositsQ1 2025vs Q1 2024$134.8MM$133.6MM
Equity CapitalQ1 2025vs Q1 2024$17.2MM$16MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.3MM$1.3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$56K$83K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
APY APY = Annual Percentage Yield Rates as of 7/13/2025
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
Bonus Amount
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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

North Central Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$50-Statement Savings
0.03%$50-Health Savings Account
0.03%$0-Christmas Club

North Central Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.12%*$200k*-Money Market
OTHER TIERS: 0.04% → $2.5k - $25k | 0.06% → $25k - $50k | 0.08% → $50k - $100k | 0.10% → $100k - $200k

North Central Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.04%$2.5k-Super Now Account
0.03%$0-Elite Checking
0.02%$1k-NOW Checking

North Central Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%$1k-60 Month CD
0.45%$1k-48 Month CD
0.40%$1k-36 Month CD
0.35%$1k-30 Month CD
0.30%$1k-24 Month CD
0.25%$1k-18 Month CD
0.20%$1k-12 Month CD
0.10%$1k-6 Month CD
0.05%$1k-3 Month CD

North Central Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$1k-30 Month Fixed IRA
0.10%$100-Variable Rate IRA Savings
Locations


North Central Bank Locations
Ladd Branch110 North Main StreetLadd, IL 61329
North Central Bank126 E High StHennepin, IL 61327

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