West Central Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.07%	5-year CD	2.27% - National Average
1.01%	1-year CD	1.38% - National Average
0.20%	Savings	0.26% - National Average

View all West Central Bank rates »

Overview / Commentary

www.westcentralbank.com

217-476-3325

400 E Buchanan
Ashland, IL 62612

West Central Bank is headquartered in Ashland and is the 206^th largest bank in the state of Illinois. It is also the 3,027^th largest bank in the nation. It was established in 1933 and as of December of 2018, it had grown to 52 employees at 6 locations. West Central Bank's CD rates are 12% higher than 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 Q4 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	10853
Year Established	1933
Employees	52
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.85%
Return on Equity - YTD	8.78%
Annual Interest Income	$8.1MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$187.1MM$191.2MM
Loans	Q4 2018vs Q4 2017	$154.6MM$155.2MM
Deposits	Q4 2018vs Q4 2017	$163.5MM$171.3MM
Equity Capital	Q4 2018vs Q4 2017	$18.9MM$18.2MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$1.2MM$1.3MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$1.6MM$971.00K
Real Estate Owned	Q4 2018vs Q4 2017	$90.00K$346.00K

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 West Central Bank; 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.

West Central Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%	$25	-	IRA (Variable)
0.40%^*	$50k^*	-	Health Savings Account
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $25k \| 0.20% → $25k - $50k
0.20%	$100	-	Savings Account
0.20%	-	-	Christmas Club
0.20%	-	-	Vacation Club

West Central Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%^*	$50k^*	-	Platinum Money Market
OTHER TIERS: 0.25% → $10k - $25k \| 0.30% → $25k - $50k
0.20%	$2.5k	-	Money Market Account

West Central Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$1.5k	-	Now Account

West Central Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.17%	$1k	-	30 Month Flex CD
2.07%	$1k	-	60 Month CD (5 year)
1.91%	$1k	-	48 Month CD (4 year)
1.81%	$1k	-	36 Month CD (3 year)
1.76%	$1k	-	24 Month CD (2 year)
1.71%	$1k	-	15 Month Flex CD
1.71%	$100	-	15 Month Smart Start CD
1.01%	$1k	-	12 Month CD
0.75%	$1k	-	182 Day CD (6 months)
0.50%	$1k	-	91 Day CD (3 months)
0.25%	$1k	-	15-90 Day CD

West Central Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.91%	$25	-	IRA - 48 Month (Fixed)
1.76%	$25	-	IRA - 24 Month (Fixed)

Locations

West Central Bank Locations
Beardstown Branch	122 South State Street	Beardstown, IL 62618
West Central Bank	400 E Buchanan	Ashland, IL 62612
Springfield Branch	3600 Wabash Avenue	Springfield, IL 62711
Rushville Branch	U.S. Routes 24 and 67	Rushville, IL 62681
Beardstown Il Facility	1 Plaza Drive	Beardstown, IL 62618
Fremont Street Branch	Sylvan and Fremont Streets	Ashland, IL 62612

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.