Bank of Pontiac CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews
Today's 12-month CD rates can be found at 3.75%, 6-month CD rates at 3.50% and 3-month CD rates at 4.00%. Current savings rates are at 0.05% and money market rates are at 2.00%. Mortgage rates today on 30-year fixed loans are around 7.24%. Credit Card rates are at 15.40%. Personal Loan rates are at 8.99%. All these rates, and more, can be found in our database of rates. Bank of Pontiac's 60-Month CD rates are at 1.10%, 36-Month CD rates are at 0.70%, 30-Month CD rates are at 0.60%, 24-Month CD rates are at 0.50%, 18-Month CD rates are at 0.45%. Bank of Pontiac's savings rates are at 0.05%. Bank of Pontiac's money market rates are at 0.10%.
To see how these rates compare to Bank of Pontiac CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Bank of Pontiac, 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 Bank of Pontiac CD rates. You can also compare Bank of Pontiac savings rates, MMA rates and mortgage rates using our other rate lists. 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. Bank of Pontiac Texas Ratio Bank of Pontiac's Texas Ratio is at 1.86%, which is considered excellent. The Texas Ratio for Bank of Pontiac 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, Bank of Pontiac is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars. Bank of Pontiac CD Rates and Interest Rates
Bank of Pontiac
60-Month CD
1.10%
$500
Bank of Pontiac
36-Month CD
0.70%
$500
Bank of Pontiac
30-Month CD
0.60%
$500
Bank of Pontiac
24-Month CD
0.50%
$500
Bank of Pontiac
18-Month CD
0.45%
$500
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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. Compare Bank of Pontiac Rates with Other Competitive Bank and Credit Union Rates
Union State Bank of Everest
3-Month CD
4.65%
$1,000
First Southwest Bank
6-Month CD
4.50%
$1,000
The Golden 1 Credit Union
13-Month CD
4.50%
$500
Riverside Bank of Dublin
18-Month CD
4.35%
$500
Mid-America Bank
12-Month CD (Jumbo)
4.30%
$100,000
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 January 20, 2025Show 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. Bank of Pontiac InformationBank of Pontiac
300 W Washington StPontiac, IL 61764 Livingston Established Date: 09/06/1947 FDIC Certificate #: 16982 Date of FDIC Deposit Insurance: 01/29/1951 Bank Holding Company: PONTIAC BCORP INC How Many Domestic U.S. Offices? 11 How Many Branches are There? 14 Website: https://www.bankofpontiac.com
Is Bank of Pontiac FDIC Insured? Yes
What is Bank of Pontiac's Cert number? 16982
What is the maximum amount for insured deposits? $250,000 per holder, per account
Bank of Pontiac FinancialsTotal Assets:
$1,107,014,000
Total Deposits:
$962,430,000
Equity Capital:
$104,171,000
Domestic Deposits:
$962,430,000
Net Income:
$2,645,000
Return on Assets:
1.3880%
Quarterly Return on Assets:
1.0000%
Pretax Return on Assets:
1.3282%
Pretax Quarterly Return on Assets:
1.3300%
Return on Equity:
14.4900%
Quarterly Return on Equity:
10.2400%
Common Equity Tier 1 Capital Ratio:
12.9667%
Tier 1 Risk-Based Capital Ratio:
12.9667%
Leverage Tier 1 (Core Capital) Ratio:
9.8200%
Total Risk-Based Capital Ratio (YTD):
14.0828%
Total Interest Income (YTD):
4.7445%
Headquarters:
Pontiac
FDIC Field Office:
Champaign
Regulator:
FED
County:
Livingston
# of Offices:
11
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC Last Updated 03/31/2024
Explore Other Rate DealsCredit Union 1 of Rantoul, Illinois, is advertising regular share certificates of deposit and Individual Retirement Account certificates of deposit. IRA certificates include Traditional CDs, Roth CDs and Educational CDs. CD terms range between 6 months and 5 years. CD rates are tiered for balances of $1,000 or more and $10,000 or more.
Despite comments in late August by Fed Chair, Janet Yellen, and NY Fed President, William Dudley, regarding a September rate hike, it didn't happen. The FOMC wrapped up their meeting yesterday and decided to leave the fed funds rate unchanged.  Current mortgage rates stayed low this week in the most recent survey released today even though the future economic outlook is a lot brighter and 10-year U.S. Treasury rates have risen to 3.75 percent.
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