The Clay City Banking Co.

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.02%	Reward Checking	2.05% - National Average
2.78%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD
1.76%	1-year CD	2.65% - Barclays 12 Month Online CD

View all The Clay City Banking Co. rates »

Overview / Commentary

www.claycitybanking.bank

618-676-1511

331 S. Main St
Clay City, IL 62824

The Clay City Banking Co. is headquartered in Clay City and is the 253^rd largest bank in the state of Illinois. It is also the 3,557^th largest bank in the nation. It was established in 1892 and as of September of 2018, it had grown to 35 employees at 4 locations. The Clay City Banking Co.'s money market rates are 4X the national average, and it has a B health rating.

Reviews

Write a Review

No reviews have been left for this bank yet. Be the first to review.

Health

B

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	10845
Year Established	1892
Employees	35
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.7%
Return on Equity - YTD	7.22%
Annual Interest Income	$4.3MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$139.5MM$135.4MM
Loans	Q3 2018vs Q3 2017	$112.4MM$105.6MM
Deposits	Q3 2018vs Q3 2017	$122.7MM$120.4MM
Equity Capital	Q3 2018vs Q3 2017	$13.8MM$13.2MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$975.00K$959.00K
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$1.6MM$964.00K
Real Estate Owned	Q3 2018vs Q3 2017	$800.00K$1.1MM

Rates

Skip to rates for:

Savings
Money Market
Checking
CD
IRA

Report an Issue

Always verify rates and promotions with the bank or credit union. We are not The Clay City Banking Co.; 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.

The Clay City Banking Co. Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%	-	-	Hometown Saver
0.20%	-	-	Savings Account
0.20%	-	-	Business Savings Account
0.18%^*	$25k^*	-	Health Savings Account
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $25k

The Clay City Banking Co. Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%^*	$250k^*	-	Hometown Money Market Deposit Account
OTHER TIERS: 0.35% → Up to $25k \| 0.50% → $25k - $100k \| 0.75% → $100k - $250k
0.20%^*	$25k^*	-	Money Market
OTHER TIERS: 0.15% → $2.5k - $10k \| 0.18% → $10k - $25k
0.20%^*	$25k^*	-	Business Money Market Account
OTHER TIERS: 0.15% → $2.5k - $10k \| 0.18% → $10k - $25k

The Clay City Banking Co. Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%^*	-	$25k	Hometown Rewards with Interest
OTHER TIERS: 0.35% → $25k+
0.20%	$1k	-	1892 Founder's Club Checking
0.15%^*	$5k^*	-	Checking Plus
OTHER TIERS: 0.10% → $1k - $5k
0.15%^*	$5k^*	-	Business Checking Plus
OTHER TIERS: 0.10% → $1k - $5k

The Clay City Banking Co. CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.78%	$1k	-	60 Month CD
2.78%	$1k	-	Business 60 Month CD
2.52%	$1k	-	48 Month CD
2.52%	$1k	-	Business 48 Month CD
2.32%	$1k	-	30 Month CD
2.32%	$1k	-	Business 30 Month CD
2.27%	$1k	-	Business 24 Month CD
2.27%	$1k	-	24 Month CD
2.12%	$1k	-	14 Month CD Special
2.02%	$1k	-	18 Month CD
2.02%	$1k	-	Business 18 Month CD
1.76%	$1k	-	12 Month CD
1.76%	$1k	-	Business 12 Month CD
1.41%	$1k	-	6 Month CD
1.41%	$1k	-	Business 6 Month CD
1.41%	$500	-	24 Month Hometown Freedom CD Special
1.26%	$1k	-	3 Month CD
1.26%	$1k	-	Business 3 Month CD
1.16%	$1k	-	1 Month CD
1.16%	$1k	-	Business 1 Month CD

The Clay City Banking Co. IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.42%	$1k	-	30 Month Fixed IRA
2.42%	$1k	-	30 Month Fixed SEP IRA
2.12%	$1k	-	18 Month Variable IRA
2.12%	$1k	-	18 Month Fixed IRA
2.12%	$1k	-	18 Month Fixed SEP IRA
2.12%	$1k	-	18 Month Variable SEP IRA
1.86%	$1k	-	12 Month Fixed IRA
1.86%	$1k	-	12 Month Fixed SEP IRA

Locations

The Clay City Banking Co. Locations
Flora Branch	207 Gary Hagen Drive	Flora, IL 62839
Louisville Branch	225 Route 45 North	Louisville, IL 62858
The Clay City Banking Co.	331 South Main Street	Clay City, IL 62824
Fairfield Il Branch	915 Commerce Drive	Fairfield, IL 62837

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.