American Community Bank & Trust CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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American Community Bank & TrustToday's 12-month CD rates can be found at 3.70%, 6-month CD rates at 4.00% and 3-month CD rates at 0.20%. Current savings rates are at 0.10% and money market rates are at 0.25%. Mortgage rates today on 30-year fixed loans are around 6.56%. Credit Card rates are at 13.90%. Personal Loan rates are at 8.99%. All these rates, and more, can be found in our database of rates.

To see how these rates compare to American Community Bank & Trust CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from American Community Bank & Trust, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with American Community Bank & Trust CD rates. You can also compare American Community Bank & Trust savings rates, MMA rates and mortgage rates using our other rate lists.

American Community Bank & Trust money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at American Community Bank & Trust? Share your experience about American Community Bank & Trust by leaving a review below, or read customer reviews before you decide to use American Community Bank & Trust.

American Community Bank & Trust Texas Ratio

American Community Bank & Trust's Texas Ratio is at 0.00%, which is considered excellent. The Texas Ratio for American Community Bank & Trust is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, American Community Bank & Trust is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
American Community Bank & Trust
1290 Lake Ave
Woodstock, IL 60098
Member FDIC
MonitorBankRates' Rating
4/5
★★★★☆

Compare American Community Bank & Trust Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
VisionBank Saint Louis Park, MN
VisionBank Saint Louis Park, MN
12-Month CD
4.35%
$1,000
Stearns Bank Holdingford
Stearns Bank Holdingford
9-Month CD
4.23%
$500
Five Star Credit Union
Five Star Credit Union
48-Month CD
4.05%
$500
ValleyDirect
ValleyDirect
12-Month CD
4.00%
$500
Benchmark Community Bank
Benchmark Community Bank
Success Checking
4.00%
$100
Bank Five Nine
Bank Five Nine
36-Month CD
4.00%
$1,000
The Bank of Tescott
The Bank of Tescott
24-Month CD
3.95%
$0
Guardian Credit Union Montgomery, AL
Guardian Credit Union Montgomery, AL
12-Month CD
3.80%
$500
Everence Trust Company
Everence Trust Company
30-Month CD
3.40%
$500
First Southern State Bank
First Southern State Bank
60-Month CD
3.29%
$500
OBC Bank
OBC Bank
18-Month CD
3.04%
$1,000
Unison Bank
Unison Bank
18-Month CD
3.01%
$2,500
First National Bank VA
First National Bank VA
30-Month CD
2.78%
$500
Coffee County Bank
Coffee County Bank
36-Month CD
2.75%
$1,000
DB&T
DB&T
18-Month CD
2.75%
$1,000
Citizens Bank of Kansas
Citizens Bank of Kansas
12-Month CD
2.52%
$500
The Bank of Princeton
The Bank of Princeton
18-Month CD
2.50%
$500
Sound Community Bank
Sound Community Bank
60-Month CD w/checking
2.43%
$1,000
First State Bank and Trust
First State Bank and Trust
36-Month CD
2.32%
$1,000
Exchange Bank of Alabama
Exchange Bank of Alabama
48-Month CD
2.26%
$1,000
CNB of McConnelsville
36-Month CD
2.25%
$5,000
Van Wert Federal Savings Bank
Van Wert Federal Savings Bank
48-Month CD
2.17%
$1,000
Putnam County State Bank
Putnam County State Bank
Money Market
2.00%
$2,500
1st Ed Credit Union
1st Ed Credit Union
36-Month CD
1.70%
$500
Madison County Bank
Madison County Bank
12-Month CD
1.60%
$500
1st MidAmerica Credit Union
1st MidAmerica Credit Union
60-Month CD
1.51%
$1,000
NCS Bank
NCS Bank
12-Month CD
1.00%
$500
NASA Federal Credit Union
NASA Federal Credit Union
Elite Checking
1.00%
$0
Rhinebeck Bank
Rhinebeck Bank
Business Money Market
0.87%
$0
Bank of Kampsville
Bank of Kampsville
30-Month CD
0.75%
$1,000
Mutual Federal Bank
Mutual Federal Bank
60-Month CD
0.65%
$500
Cayuga Lake National Bank
Cayuga Lake National Bank
Money Market
0.60%
$100,000
North Shore Bank Co-op
60-Month CD
0.50%
$1,000
Westbury Bank
Westbury Bank
Daily Savings
0.50%
$0
Farmers State Bank Wathena, KS
Farmers State Bank Wathena, KS
18-Month CD
0.45%
$500
First National Bank VA
First National Bank VA
Statement Savings
0.30%
$100
USLA Union S&L
USLA Union S&L
Money Market
0.25%
$100
West Pointe Bank
West Pointe Bank
Regular Savings
0.25%
$25
Jarrettsville Federal S&L
Jarrettsville Federal S&L
Money Market
0.15%
$0
The Honesdale National Bank
The Honesdale National Bank
Statement Saving
0.10%
$100
Greenville National Bank
Greenville National Bank
Savings
0.05%
$100
JTNB
JTNB
Money Market
0.05%
$2,500
River Falls State Bank
River Falls State Bank
Savings
0.05%
$90
The Bank of Glen Burnie
The Bank of Glen Burnie
Statement Savings
0.05%
$100
SSB Sherwood State Bank
SSB Sherwood State Bank
6-Month CD
0.05%
$1,000
Central Bank Houston, TX
Central Bank Houston, TX
Central Choice Premier Checking
0.05%
$100
United Southern Bank
United Southern Bank
Regular Savings
0.05%
$50
First State Bank and Trust Bayport, MN
First State Bank and Trust Bayport, MN
Business Checking
0.01%
$100
Brenham National Bank
Brenham National Bank
Success Savings
0.01%
$0
PriorityOne Bank
PriorityOne Bank
Statement Savings
0.01%
$100
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates April 21, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
15-Year Fixed
5.125%
5.243%
0.625
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
15-Year Fixed
5.375%
5.431%
0.000
5.125%
5.447%
1.125
5.250%
5.482%
0.500
5.250%
5.491%
0.000
5.250%
5.506%
0.000
5.375%
5.507%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
15-Year Fixed Jumbo
5.500%
5.526%
0.000
5.375%
5.563%
0.000
5.500%
5.569%
0.000
5.250%
5.570%
1.250
5.375%
5.582%
1.000
5.500%
5.614%
0.000
5.250%
5.615%
1.750
5.250%
5.629%
2.000
5.500%
5.638%
0.000
5.500%
5.639%
0.250
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Our apologies, we do not have American Community Bank & Trust rate data right now, check back for updates, we are adding rates all the time.

American Community Bank & Trust Information

American Community Bank & Trust
1290 Lake Ave
Woodstock, IL 60098
Mchenry
Established Date: 03/13/2000
FDIC Certificate #: 35412
Date of FDIC Deposit Insurance: 03/13/2000
Bank Holding Company: AMERICAN CMTY FINANCIAL INC
How Many Domestic U.S. Offices? 5
How Many Branches are There? 5
Is American Community Bank & Trust FDIC Insured? Yes
What is American Community Bank & Trust's Cert number? 35412
What is the maximum amount for insured deposits? $250,000 per holder, per account

American Community Bank & Trust Financials

Total Assets:
$1,099,299,000
Total Deposits:
$876,145,000
Equity Capital:
$101,777,000
Domestic Deposits:
$876,145,000
Net Income:
$3,196,000
Return on Assets:
0.7369%
Quarterly Return on Assets:
1.2500%
Pretax Return on Assets:
1.6464%
Pretax Quarterly Return on Assets:
1.6500%
Return on Equity:
7.6500%
Quarterly Return on Equity:
12.7900%
Leverage Tier 1 (Core Capital) Ratio:
10.1241%
Total Interest Income (YTD):
4.7507%
 
 
Headquarters:
Woodstock
FDIC Field Office:
Chicago
Regulator:
FDIC
County:
Mchenry
# of Offices:
5
Metropolitan Statistical Area (MSA):
Chicago-Naperville-Elgin, IL-IN-WI
Consolidated Metropolitan Statistical Area (CMSA):
Chicago-Gary-Kenosha, IL-IN-WI
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC Last Updated 03/31/2024

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