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West Central Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.westcentralbank.com
217-476-3325
400 E Buchanan St
Ashland, IL 62612

West Central Bank is headquartered in ASHLAND and is the 175th largest bank in the state of Illinois. It is also the 2,765th largest bank in the nation. It was established in 1933 and as of March of 2025, it had grown to 44 employees at 6 locations. West Central Bank's CD rates are 5X the national average, and it has a B health rating.

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Health
B

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #10853
Year Established1933
Employees44
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.5%
Return on Equity - YTD20.4%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$247.4MM$242MM
LoansQ1 2025vs Q1 2024$183.5MM$177.4MM
DepositsQ1 2025vs Q1 2024$201.8MM$191.5MM
Equity CapitalQ1 2025vs Q1 2024$19.3MM$16.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.2MM$1.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.7MM$2.1MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$100-Savings Account
0.35%$0-Christmas Club
0.35%$0-Vacation Club
0.30%*$50k*-Health Savings Account
OTHER TIERS: 0.15% → $0 - $10k | 0.20% → $10k - $25k | 0.25% → $25k - $50k

West Central Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$50k*-Platinum Money Market
OTHER TIERS: 0.50% → $10k - $25k | 0.55% → $25k - $50k
0.40%$2.5k-Money Market Account

West Central Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$1.5k-Now Account

West Central Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.06%$10k-12 Month New CD
3.80%$1k-182 Day CD (6 months)
3.55%$1k-91 Day CD (3 months)
2.52%$1k-12 Month CD
2.52%$1k-60 Month CD (5 year)
2.47%$1k-48 Month CD (4 year)
2.42%$1k-36 Month CD (3 year)
2.37%$1k-30 Month Flex CD
2.32%$1k-24 Month CD (2 year)
2.27%$1k-15 Month Flex CD
2.27%$100-15 Month Smart Start CD
0.75%$1k-15-90 Day CD

West Central Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.47%$25-IRA - 48 Month (Fixed)
2.32%$25-IRA - 24 Month (Fixed)
2.02%$25-IRA (Variable)
Locations


West Central Bank Locations
Beardstown Branch122 South State StreetBeardstown, IL 62618
West Central Bank400 E Buchanan StAshland, IL 62612
Springfield Branch3600 Wabash AvenueSpringfield, IL 62711
Rushville BranchU.S. Routes 24 and 67Rushville, IL 62681
Beardstown Il Facility1 Plaza DriveBeardstown, IL 62618
Fremont Street BranchSylvan and Fremont StreetsAshland, IL 62612

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