The Clay City Banking Co.

Overview / Commentary
331 S. Main St
Clay City, IL 62824

The Clay City Banking Co. is headquartered in CLAY CITY and is the 196th largest bank in the state of Illinois. It is also the 2,987th largest bank in the nation. It was established in 1892 and as of September of 2023, it had grown to 36 employees at 4 locations. The Clay City Banking Co.'s CD rates are 5X the national average, and it has a B health rating.


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Health Grade Components

FDIC Certificate #10845
Year Established1892
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD10.54%
Annual Interest Income$6.7MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$206.5MM$205.8MM
LoansQ3 2023vs Q3 2022$147.6MM$138.9MM
DepositsQ3 2023vs Q3 2022$189.9MM$190.2MM
Equity CapitalQ3 2023vs Q3 2022$15.4MM$14.4MM
Loan Loss AllowanceQ3 2023vs Q3 2022$1.3MM$1.1MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$1.6MM$514K
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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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

0.70%--Hometown Saver
0.60%*$25k*-Health Savings Account
OTHER TIERS: 0.50% Up to $10k | 0.55% $10k - $25k
0.60%--Savings Account
0.60%--Business Savings Account

The Clay City Banking Co. Money Market Rates

2.00%*$250k*-Hometown Money Market Deposit Account
OTHER TIERS: 1.21% Up to $25k | 1.45% $25k - $100k | 1.60% $100k - $250k
1.36%*$25k*-Money Market
OTHER TIERS: 1.00% $2.5k - $10k | 1.11% $10k - $25k
1.36%*$25k*-Business Money Market Account
OTHER TIERS: 1.00% $2.5k - $10k | 1.11% $10k - $25k

The Clay City Banking Co. Checking Account Rates

2.02%*-$25kHometown Rewards with Interest
OTHER TIERS: 0.35% $25k+
0.75%$1k-1892 Founder's Club Checking
0.70%*$5k*-Checking Plus
OTHER TIERS: 0.60% $1k - $5k
0.70%*$5k*-Business Checking Plus
OTHER TIERS: 0.60% $1k - $5k

The Clay City Banking Co. CD Rates

4.73%$1k-7 Month CD Special
4.42%$1k-6 Month CD
4.42%$1k-12 Month CD
4.42%$1k-Business 6 Month CD
4.42%$1k-Business 12 Month CD
4.22%$500-24 Month Bump Up CD
4.07%$1k-1 Month CD
4.07%$1k-Business 1 Month CD
4.06%$1k-3 Month CD
4.06%$1k-Business 3 Month CD
3.80%$1k-18 Month CD
3.80%$1k-Business 18 Month CD
3.65%$1k-Business 24 Month CD
3.65%$1k-24 Month CD
3.55%$1k-30 Month CD
3.55%$1k-48 Month CD
3.55%$1k-60 Month CD
3.55%$1k-Business 30 Month CD
3.55%$1k-Business 48 Month CD
3.55%$1k-Business 60 Month CD

The Clay City Banking Co. IRA Rates

4.42%$1k-12 Month Fixed IRA
4.42%$1k-12 Month Fixed SEP IRA
3.85%$1k-18 Month Variable IRA
3.85%$1k-18 Month Fixed IRA
3.85%$1k-18 Month Fixed SEP IRA
3.85%$1k-18 Month Variable SEP IRA
3.55%$1k-30 Month Fixed IRA
3.55%$1k-30 Month Fixed SEP IRA

The Clay City Banking Co. Locations
Flora Branch207 Gary Hagen DriveFlora, IL 62839
Louisville Branch225 Route 45 NorthLouisville, IL 62858
The Clay City Banking Co.331 S Main StClay City, IL 62824
Fairfield Il Branch915 Commerce DriveFairfield, IL 62837

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