Overview / Commentary
618-676-1511
331 S. Main St
Clay City, IL 62824

The Clay City Banking Co. is headquartered in Clay City and is the 253rd largest bank in the state of Illinois. It is also the 3,557th 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.

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Health

Health Grade Components

Overall
FDIC Certificate #10845
Year Established1892
Employees35
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD7.22%
Annual Interest Income$4.3MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$139.5MM$135.4MM
LoansQ3 2018vs Q3 2017$112.4MM$105.6MM
DepositsQ3 2018vs Q3 2017$122.7MM$120.4MM
Equity CapitalQ3 2018vs Q3 2017$13.8MM$13.2MM
Loan Loss AllowanceQ3 2018vs Q3 2017$975.00K$959.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$1.6MM$964.00K
Real Estate OwnedQ3 2018vs Q3 2017$800.00K$1.1MM
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*-$25kHometown 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Branch207 Gary Hagen DriveFlora, IL 62839
Louisville Branch225 Route 45 NorthLouisville, IL 62858
The Clay City Banking Co.331 South Main StreetClay City, IL 62824
Fairfield Il Branch915 Commerce DriveFairfield, IL 62837

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