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Bank of Pontiac Rates & Review November 2026

Bank of Pontiac's FunTimers CD - 24-Month rates are at 4.10%, Standard CD - 24-Month rates are at 4.10%, FunTimers CD - 15-Month rates are at 4.00%, Standard CD - 15-Month rates are at 4.00%, FunTimers CD - 9-Month rates are at 3.90%. Bank of Pontiac's money market rates are at 0.65%. Bank of Pontiac's checking rates are as high as 0.05%. Bank of Pontiac's top CD rate of 4.10% APY on a 2 year CD is 40% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Bank of Pontiac with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.83%. Rates last updated and verified on 11/05/2026.

Bank of Pontiac 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 Bank of Pontiac? Share your experience about Bank of Pontiac by leaving a review below, or read customer reviews before you decide to use Bank of Pontiac.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.83%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Bank of Pontiac
300 W Washington St
Pontiac, IL 61764
https://www.bankofpontiac.com
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Bank of Pontiac CD Rates

Product Rate APY Term Min. Deposit View More
FunTimers CD - 24-Month 4.04% 4.10% 24 Month $2,500
Min Deposit $2,500
Details Interest Penalty: 6 Month; Comp. Freq.: Quarterly; Int. Paid: Quarterly
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
Standard CD - 24-Month 4.04% 4.10% 24 Month $2,500
Min Deposit $2,500
Details Interest penalty: 6 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
FunTimers CD - 15-Month 3.94% 4.00% 15 Month $500
Min Deposit $500
Details Interest Penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid: Quarterly
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
Standard CD - 15-Month 3.94% 4.00% 15 Month $500
Min Deposit $500
Details Interest penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
FunTimers CD - 9-Month 3.84% 3.90% 9 Month $2,500
Min Deposit $2,500
Details Interest Penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid: Quarterly
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
Standard CD - 9-Month 3.84% 3.90% 9 Month $2,500
Min Deposit $2,500
Details Interest penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
FunTimers CD - 6-Month 3.69% 3.74% 6 Month $2,500
Min Deposit $2,500
Details Interest Penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid: Quarterly
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 3.74% APY · checked 7 times
3.24%3.74%4.24%Oct 14, 2026: 3.74% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
Standard CD - 6-Month 3.64% 3.69% 6 Month $2,500
Min Deposit $2,500
Details Interest penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 3.69% APY · checked 7 times
3.19%3.69%4.19%Oct 14, 2026: 3.69% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
FunTimers CD - 60-Month 1.10% 1.10% 60 Month $500
Min Deposit $500
Details Interest Penalty: 12 Month; Comp. Freq.: Quarterly; Int. Paid: Quarterly
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 1.10% APY · checked 7 times
0.60%1.10%1.60%Oct 14, 2026: 1.10% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
Standard CD - 60-Month 1.10% 1.10% 60 Month $500
Min Deposit $500
Details Interest penalty: 12 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 1.10% APY · checked 7 times
0.60%1.10%1.60%Oct 14, 2026: 1.10% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
FunTimers CD - 36-Month 0.70% 0.70% 36 Month $500
Min Deposit $500
Details Interest Penalty: 12 Month; Comp. Freq.: Quarterly; Int. Paid: Quarterly
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 0.70% APY · checked 7 times
0.20%0.70%1.20%Oct 14, 2026: 0.70% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
Standard CD - 36-Month 0.70% 0.70% 36 Month $500
Min Deposit $500
Details Interest penalty: 12 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 0.70% APY · checked 7 times
0.20%0.70%1.20%Oct 14, 2026: 0.70% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
FunTimers CD - 12-Month 0.35% 0.35% 12 Month $500
Min Deposit $500
Details Interest Penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid: Quarterly
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 0.35% APY · checked 7 times
0.00%0.43%0.85%Oct 14, 2026: 0.35% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
Standard CD - 12-Month 0.35% 0.35% 12 Month $500
Min Deposit $500
Details Interest penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 0.35% APY · checked 7 times
0.00%0.43%0.85%Oct 14, 2026: 0.35% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
FunTimers CD - 3-Month 0.20% 0.20% 3 Month $2,500
Min Deposit $2,500
Details Interest Penalty: 3 Month; Comp. Freq.: Maturity; Int. Paid: Maturity
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Oct 14, 2026: 0.20% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
Standard CD - 3-Month 0.20% 0.20% 3 Month $2,500
Min Deposit $2,500
Details Interest penalty: 3 Month; Comp. Freq.: Maturity; Int. Paid when Comp.: Maturity
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Oct 14, 2026: 0.20% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
FunTimers CD - 31 Day 0.10% 0.10% 31 Day $5,000
Min Deposit $5,000
Details Interest Penalty: 31 Day; Comp. Freq.: Maturity; Int. Paid: Maturity
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Oct 14, 2026: 0.10% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
Standard CD - 31 Day 0.10% 0.10% 31 Day $5,000
Min Deposit $5,000
Details Interest penalty: 31 Day; Comp. Freq.: Maturity; Int. Paid when Comp.: Maturity
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Oct 14, 2026: 0.10% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%

Bank of Pontiac Money Market Rates

Product Rate APY View More
Investment Money Market 0.65% 0.65%
Min Deposit $5,000
Min Balance $2,500,000
Details Balance: $2,500,000 or more; Tier V; Comp. Freq.: Monthly; Int. Paid: Monthly
Last Updated 11/05/2026
Rate History
No change since Sep 8, 2026 · 0.65% APY · checked 15 times
0.15%0.65%1.15%Sep 8, 2026: 0.65% APYSep 8, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
Investment Money Market 0.55% 0.55%
Min Deposit $5,000
Min Balance $250,000
Details Balance: $250,000 - $2,499,999.99; Tier IV; Comp. Freq.: Monthly; Int. Paid: Monthly
Last Updated 11/05/2026
Rate History
No change since Sep 8, 2026 · 0.55% APY · checked 15 times
0.05%0.55%1.05%Sep 8, 2026: 0.55% APYSep 8, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
Investment Money Market 0.40% 0.40%
Min Deposit $5,000
Min Balance $150,000
Details Balance: $150,000 - $249,999.99; Tier III; Comp. Freq.: Monthly; Int. Paid: Monthly
Last Updated 11/05/2026
Rate History
No change since Sep 8, 2026 · 0.40% APY · checked 15 times
0.00%0.45%0.90%Sep 8, 2026: 0.40% APYSep 8, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
Investment Money Market 0.35% 0.35%
Min Deposit $5,000
Min Balance $75,000
Details Balance: $75,000 - $149,999.99; Tier II; Comp. Freq.: Monthly; Int. Paid: Monthly
Last Updated 11/05/2026
Rate History
No change since Sep 8, 2026 · 0.35% APY · checked 15 times
0.00%0.43%0.85%Sep 8, 2026: 0.35% APYSep 8, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
Investment Money Market 0.25% 0.25%
Min Deposit $5,000
Min Balance $5,000
Details Balance: 0 - $74,999.99; Tier I; Comp. Freq.: Monthly; Int. Paid: Monthly
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Oct 14, 2026: 0.25% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
Investment Money Market 0.25% 0.25%
Min Deposit $5,000
Min Balance $0
Details Balance: $0 - $74,999.99; Minimum w/o Fee: $5,000; Comp. Freq.: Monthly; Int. Paid: Monthly
Last Updated 11/05/2026
Rate History
No change since Sep 8, 2026 · 0.25% APY · checked 15 times
0.00%0.38%0.75%Sep 8, 2026: 0.25% APYSep 8, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
Money Market 0.10% 0.10%
Min Deposit $1,000
Min Balance $2,500
Details Balance: $2,500 or more; Minimum w/o Fee: $1,000; Comp. Freq: Monthly; Int. Paid: Monthly
Last Updated 11/05/2026
Rate History
No change since Sep 8, 2026 · 0.10% APY · checked 15 times
0.00%0.30%0.60%Sep 8, 2026: 0.10% APYSep 8, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
Money Market 0.05% 0.05%
Min Deposit $1,000
Min Balance $0
Details Balance: $0.00 - $2,499.99; Minimum w/o Fee: $1,000; Comp. Freq: Monthly; Int. Paid: Monthly
Last Updated 11/05/2026
Rate History
No change since Sep 8, 2026 · 0.05% APY · checked 15 times
0.00%0.28%0.55%Sep 8, 2026: 0.05% APYSep 8, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%

Bank of Pontiac Checking Rates

Product Rate APY View More
Interest Checking 0.05% 0.05%
Min Deposit $500
Min Balance $2,500
Details Balance: $2,500 or more; Minimum w/o Fee: $500; Comp. Freq.: Daily; Int. Paid: Monthly
Last Updated 11/05/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 14 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%
Interest Checking 0.02% 0.02%
Min Deposit $500
Min Balance $0
Details Balance: $0 - $2,499.99; Minimum w/o Fee: $500; Comp. Freq.: Daily; Int. Paid: Monthly
Last Updated 11/05/2026
Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 14 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.83%

Financial Health History

Bank of Pontiac’s Texas Ratio stayed near 1.52% in Q3 2023 to 1.83% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.2% 2.0★ 2.5% 3.0★ 3.7% 4.0★ 5% 5.0★ Healthy zone – entire history below the 15% limit 1.52% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 1.83% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$1.2B1.83%5.0A+
March 31, 2026$1.2B2.67%5.0A+
December 31, 2025$1.2B1.05%5.0A+
September 30, 2025$1.2B1.13%5.0A+
June 30, 2025$1.1B1.26%5.0A+
March 31, 2025$1.1B0.85%5.0A+
December 31, 2024$1.2B2.32%5.0A+
September 30, 2024$1.1B2.76%5.0A+
June 30, 2024$1.1B2.22%5.0A+
March 31, 2024$1.1B3.68%5.0A+
December 31, 2023$1.0B1.39%5.0A+
September 30, 2023$976M1.52%5.0A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bank of Pontiac is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bank of Pontiac rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bank of Pontiac's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Bank of Pontiac
Address 300 W Washington St, Pontiac, IL 61764  ·  Livingston
Bank Holding Company PONTIAC BCORP INC
FDIC Certificate # 16982
Regulator FED
Established September 6, 1947
FDIC Insurance Date January 29, 1951
Domestic Offices 14
Total Branches 14
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.83%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.2792%
Return on Equity (ROE)
11.1000%
Non-Performing Loans Ratio (NPL)
0.19%
Total Assets
$1,178,764,000
Total Deposits
$1,000,333,000
Equity Capital
$138,618,000
Net Income
$7,567,000
Headquarters
Pontiac
Total Branches and Offices
14
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Bank of Pontiac earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/bank-of-pontiac-rates-review-16982">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Bank of Pontiac

Does Bank of Pontiac offer CDs?

Yes. Bank of Pontiac current CD rates include its FunTimers CD - 24-Month at 4.10% APY, its Standard CD - 24-Month at 4.10% APY and its FunTimers CD - 15-Month at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Bank of Pontiac FDIC insured?

Yes. Bank of Pontiac is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Bank of Pontiac?

The highest Bank of Pontiac CD rate is its FunTimers CD - 24-Month at 4.10% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Bank of Pontiac offer?

Bank of Pontiac CD rates are 3.90% APY for a 9 month CD, 0.35% APY for a 12 month CD, 4.00% APY for a 15 month CD, 4.10% APY for a 2 year CD, 0.70% APY for a 3 year CD and 1.10% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Bank of Pontiac for its full lineup.

What is the highest money market rate at Bank of Pontiac?

The highest Bank of Pontiac money market rate is its Investment Money Market at 0.65% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Bank of Pontiac?

The highest Bank of Pontiac checking rate is its Interest Checking at 0.05% APY, verified by MonitorBankRates as of November 5, 2026.

How many branches does Bank of Pontiac operate?

Bank of Pontiac currently maintains approximately 14 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bank of Pontiac does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank of Pontiac provides members with tools to manage their accounts and build a solid financial history.

Does Bank of Pontiac offer online and mobile banking?

Most modern institutions like Bank of Pontiac provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankofpontiac.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Bank of Pontiac rates compare?

Bank of Pontiac's top CD rate of 4.10% APY on a 2 year CD is 40% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A+ health rating. Bank of Pontiac's top rates are its FunTimers CD - 24-Month at 4.10% APY, its Investment Money Market at 0.65% APY and its Interest Checking at 0.05% APY, verified by MonitorBankRates on November 5, 2026.

Current Bank of Pontiac Rates

  • 12-Month CD0.35%
  • 24-Month CD4.10%
  • 36-Month CD0.70%
  • 60-Month CD1.10%
  • MMA0.65%
Retrieved from our database of financial products. Rates subject to change.