The First Trust and Savings Bank of Watseka, Illinois

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.50%

Our Rating

3.5 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.46%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.55%

Our Rating

4.2 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Overview / Commentary

www.ftsbank.com

815-432-2494

120 East Walnut Street
Watseka, IL 60970-0160

The First Trust and Savings Bank of Watseka, Illinois is headquartered in WATSEKA and is the 146^th largest bank in the state of Illinois. It is also the 2,370^th largest bank in the nation. It was established in 1909 and as of September of 2024, it had grown to 32 employees at 2 locations. The First Trust and Savings Bank of Watseka, Illinois' CD rates are 4X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	10831
Year Established	1909
Employees	32
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.71%
Return on Equity - YTD	12.01%
Annual Interest Income	$10.8MM

Assets and Liabilities
Assets	Q3 2024vs Q3 2023	$325.5MM$314.4MM
Loans	Q3 2024vs Q3 2023	$168.4MM$149MM
Deposits	Q3 2024vs Q3 2023	$278.1MM$272.7MM
Equity Capital	Q3 2024vs Q3 2023	$46.4MM$41MM
Loan Loss Allowance	Q3 2024vs Q3 2023	$1.9MM$1.8MM
Unbacked Noncurrent Loans	Q3 2024vs Q3 2023	$57K$136K
Real Estate Owned	Q3 2024vs Q3 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.50%

Our Rating

3.5 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.46%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.55%

Our Rating

4.2 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The First Trust and Savings Bank of Watseka, Illinois Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.25%	$100	-	Health Savings Account
3.25%	$100	-	Business Health Savings Account
0.15%	$0	-	First Statement Savings
0.15%	$0	-	First Kids Club
0.15%	$0	-	Business First Statement Savings

The First Trust and Savings Bank of Watseka, Illinois Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%^*	$1m^*	-	Community Money Market Account
OTHER TIERS: 0.25% → $0 - $100k \| 0.50% → $100k - $500k \| 1.25% → $500k - $1m
1.00%^*	$200k^*	-	First Money Market Account
OTHER TIERS: 0.40% → $2.5k - $15k \| 0.45% → $15k - $50k \| 0.50% → $50k - $100k \| 0.75% → $100k - $200k
1.00%^*	$200k^*	-	Business Money Market Account
OTHER TIERS: 0.40% → $2.5k - $15k \| 0.45% → $15k - $50k \| 0.50% → $50k - $100k \| 0.75% → $100k - $200k

The First Trust and Savings Bank of Watseka, Illinois Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%^*	$1m^*	-	Community Plus Checking
OTHER TIERS: 0.25% → $0 - $100k \| 0.50% → $100k - $500k \| 1.25% → $500k - $1m
1.00%^*	$200k^*	-	First Investor Choice Checking
OTHER TIERS: 0.25% → $15k - $50k \| 0.45% → $50k - $100k \| 0.75% → $100k - $200k
0.50%^*	$50k^*	-	Business Plus Checking
OTHER TIERS: 0.10% → $0 - $15k \| 0.25% → $15k - $50k
0.15%^*	$2.5k^*	-	First Relationship Checking
OTHER TIERS: 0.05% → $0 - $500 \| 0.10% → $500 - $2.5k

The First Trust and Savings Bank of Watseka, Illinois CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.75%	$1k	-	6 Month CD
3.75%	$1k	-	Business 6 Month CD
3.50%	$1k	-	12 Month CD
3.50%	$1k	-	Business 12 Month CD
3.25%	$1k	-	18 Month CD
3.25%	$1k	-	24 Month CD
3.25%	$1k	-	Business 18 Month CD
3.25%	$1k	-	Business 24 Month CD
1.00%	$1k	-	3 Month CD
1.00%	$1k	-	30 Month CD
1.00%	$1k	-	36 Month CD
1.00%	$1k	-	48 Month CD
1.00%	$1k	-	60 Month CD
1.00%	$1k	-	Business 3 Month CD
1.00%	$1k	-	Business 30 Month CD
1.00%	$1k	-	Business 36 Month CD
1.00%	$1k	-	Business 48 Month CD
1.00%	$1k	-	Business 60 Month CD

The First Trust and Savings Bank of Watseka, Illinois IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.50%	$100	-	1 Year Fixed IRA
3.25%	$100	-	1 Year Variable IRA
3.25%	$100	-	2 Year IRA
1.00%	$100	-	2.5 Year IRA
1.00%	$100	-	3 Year IRA
1.00%	$100	-	4 Year IRA
1.00%	$100	-	5 Year IRA

Locations

The First Trust and Savings Bank of Watseka, Illinois Locations
The First Trust and Savings Bank Of Watseka, Illin	120 East Walnut Street	Watseka, IL 60970
Clifton Branch	145 East Fifth Avenue	Clifton, IL 60927

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