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 204th largest bank in the state of Illinois. It is also the 3,028th largest bank in the nation. It was established in 1892 and as of March of 2022, it had grown to 35 employees at 4 locations. The Clay City Banking Co.'s money market rates are 82% higher than the national average, and it has an A health rating.


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Health Grade Components

FDIC Certificate #10845
Year Established1892
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.46%
Return on Equity - YTD18.05%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$212.2MM$187.5MM
LoansQ1 2022vs Q1 2021$126.0MM$123.6MM
DepositsQ1 2022vs Q1 2021$191.7MM$166.8MM
Equity CapitalQ1 2022vs Q1 2021$15.9MM$16.2MM
Loan Loss AllowanceQ1 2022vs Q1 2021$1.0MM$1.0MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$525.00K$3.2MM
Real Estate OwnedQ1 2022vs Q1 2021$0$101.00K
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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

0.25%--Hometown Saver
0.18%*$25k*-Health Savings Account
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k
0.10%--Savings Account
0.10%--Business Savings Account

The Clay City Banking Co. Money Market Rates

0.80%*$250k*-Hometown Money Market Deposit Account
OTHER TIERS: 0.25% Up to $25k | 0.35% $25k - $100k | 0.55% $100k - $250k
0.35%*$25k*-Money Market
OTHER TIERS: 0.20% $2.5k - $10k | 0.30% $10k - $25k
0.35%*$25k*-Business Money Market Account
OTHER TIERS: 0.20% $2.5k - $10k | 0.30% $10k - $25k

The Clay City Banking Co. Checking Account Rates

1.01%*-$25kHometown Rewards with Interest
OTHER TIERS: 0.25% $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

1.61%$1k-60 Month CD
1.61%$1k-Business 60 Month CD
1.51%$1k-48 Month CD
1.51%$1k-Business 48 Month CD
1.31%$1k-30 Month CD
1.31%$1k-Business 30 Month CD
1.31%$500-24 Month Hometown Freedom CD Special
1.21%$1k-Business 24 Month CD
1.21%$1k-24 Month CD
1.00%$1k-18 Month CD
1.00%$1k-Business 18 Month CD
0.90%$1k-12 Month CD
0.90%$1k-Business 12 Month CD
0.60%$1k-6 Month CD
0.60%$1k-Business 6 Month CD
0.50%$1k-3 Month CD
0.50%$1k-Business 3 Month CD
0.35%$1k-1 Month CD
0.35%$1k-Business 1 Month CD

The Clay City Banking Co. IRA Rates

1.41%$1k-30 Month Fixed IRA
1.41%$1k-30 Month Fixed SEP IRA
1.10%$1k-18 Month Variable IRA
1.10%$1k-18 Month Fixed IRA
1.10%$1k-18 Month Fixed SEP IRA
1.10%$1k-18 Month Variable SEP IRA
1.00%$1k-12 Month Fixed IRA
1.00%$1k-12 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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