Wintrust Bank

Overview / Commentary
231 South La Salle Street
Chicago, IL 60604

Wintrust Bank is headquartered in CHICAGO and is the 5th largest bank in the state of Illinois. It is also the 168th largest bank in the nation. It was established in 1994 and as of December of 2023, it had grown to 601 employees at 35 locations. Wintrust Bank's money market rates are 9X the national average, and it has a B+ health rating.


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Health Grade Components

FDIC Certificate #33935
Year Established1994
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.75%
Return on Equity - YTD16.1%
Annual Interest Income$522.6MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$9.54B$9.66B
LoansQ4 2023vs Q4 2022$7.91B$7.77B
DepositsQ4 2023vs Q4 2022$8.23B$8.37B
Equity CapitalQ4 2023vs Q4 2022$1.04B$1.01B
Loan Loss AllowanceQ4 2023vs Q4 2022$87.5MM$69.4MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$33.3MM$7.8MM
Real Estate OwnedQ4 2023vs Q4 2022$309K$549K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Wintrust Bank Savings Account Rates

4.00%--Statement Savings Advanced - New Money
0.15%--Statement Savings
0.15%--Junior Saves Statement Savings
0.03%*$10k*-IRA Savings
OTHER TIERS: 0.02% Up to $10k

Wintrust Bank Money Market Rates

3.75%$50k-MAXSAFE Money Market Special
0.20%*$1m*-MAXSAFE Money Market
OTHER TIERS: 0.10% Up to $150k | 0.15% $150k - $1m
0.03%*$10k*-Money Market
OTHER TIERS: 0.02% Up to $10k

Wintrust Bank Checking Account Rates

0.05%*$100k*-Premier Checking
OTHER TIERS: 0.01% Up to $50k | 0.03% $50k - $100k
0.01%--Platinum Preferred Checking
0.01%--Access Plus Checking

Wintrust Bank CD Rates

5.30%--7 Months CD - New Money
5.00%--11 Month CD - New Money
4.25%--17 Month CD - New Money
4.25%--23 Month CD - New Money
3.50%--26 Month CD - New Money
3.50%--33 Month CD - New Money
0.50%--12 Month MAXSAFE CD
0.50%--18 Month MAXSAFE CD


Chicago Area

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