What are the current interest rates at Bank of Pontiac?

Current rates for Bank of Pontiac include: 12-Month CD: 0.35%, 18-Month CD: 0.45%, 24-Month CD: 0.50%, 36-Month CD: 0.70%, 60-Month CD: 1.10%, MMA: 0.05%

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Bank of Pontiac

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Bank of Pontiac Rates & Review September 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Bank of Pontiac's 6-Month Certificate rates are at 3.75%, 6-Month CD "Specials" rates are at 3.70%, 15-Month Certificate rates are at 3.49%, 15-Month CD "Specials" rates are at 3.44%, 60-Month Certificate rates are at 1.10%. Bank of Pontiac's money market rates are at 0.05%. 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 1.86%. Rates last updated and verified on 09/19/2026.

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.

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

1.86%

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

Bank of Pontiac CD Rates

Product	Rate	APY	Term
6 Month Certificate	3.70%	3.75%	6 Month
Min Deposit $2,500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
6 Month CD "Specials"	3.65%	3.70%	6 Month
Min Deposit $2,500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
15 Month Certificate	3.45%	3.49%	15 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
15 Month CD "Specials"	3.40%	3.44%	15 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
60 Month Certificate	1.10%	1.10%	60 Month
Min Deposit $500 Details Interest Penalty: 12 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
36 Month Certificate	0.70%	0.70%	36 Month
Min Deposit $500 Details Interest Penalty: 12 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
30 Month Certificate	0.60%	0.60%	30 Month
Min Deposit $500 Details Interest Penalty: 6 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
24 Month Certificate	0.50%	0.50%	24 Month
Min Deposit $500 Details Interest Penalty: 6 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
18 Month Certificate	0.45%	0.45%	18 Month
Min Deposit $500 Details Interest Penalty: 6 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
15 Month Certificate	0.40%	0.40%	15 Month
Min Deposit $500 Details Interest Penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
12 Month Certificate	0.35%	0.35%	12 Month
Min Deposit $500 Details Interest Penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
6 Month Certificate	0.30%	0.30%	6 Month
Min Deposit $2,500 Details Interest Penalty: 3 Month; Comp. Freq.: Quarterly; Int. Paid when Comp.: Quarterly Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
3 Month Certificate	0.20%	0.20%	3 Month
Min Deposit $2,500 Details Interest Penalty: 3 Month; Comp. Freq.: Maturity; Int. Paid when Comp.: Maturity Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
31 Day Certificate	0.10%	0.10%	31 Day
Min Deposit $5,000 Details Interest Penalty: 31 Day; Comp. Freq.: Maturity; Int. Paid when Comp.: Maturity Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Bank of Pontiac Money Market Rates

Product	Rate	APY
Investment Money Market	0.65%	0.65%
Min Deposit $5,000 Min Balance $2,500,000 Details Balance: $2,500,000 or more Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Investment Money Market	0.55%	0.55%
Min Deposit $5,000 Min Balance $250,000 Details Balance: $250,000 - $2,499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Investment Money Market	0.40%	0.40%
Min Deposit $5,000 Min Balance $150,000 Details Balance: $150,000 - $249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Investment Money Market	0.35%	0.35%
Min Deposit $5,000 Min Balance $75,000 Details Balance: $75,000 - $149,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Investment Money Market	0.25%	0.25%
Min Deposit $5,000 Min Balance $0 Details Balance: 0 - $74,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Money Market	0.10%	0.10%
Min Deposit $1,000 Min Balance $2,500 Details Balance: $2,500 or more; Comp. Freq.: Monthly; Int. Paid: Monthly Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Money Market	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: 0 - $2,499.99; Comp. Freq.: Monthly; Int. Paid: Monthly Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Bank of Pontiac Checking Rates

Product	Rate	APY
Interest Checking	0.05%	0.05%
Min Deposit $500 Min Balance $2,500 Details Balance: $2,500 or more; Comp. Freq.: Daily; Int. Paid: Monthly Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%
Interest Checking	0.02%	0.02%
Min Deposit $500 Min Balance $0 Details Balance: 0 - $2,499.99; Comp. Freq.: Daily; Int. Paid: Monthly Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.86%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Bank of Pontiac’s Texas Ratio stayed near 1.52% in Q3 2023 to 1.86% 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.

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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.2B	1.86%	5.0	A+
March 31, 2026	$1.2B	2.71%	5.0	A+
December 31, 2025	$1.2B	1.08%	5.0	A+
September 30, 2025	$1.2B	1.19%	5.0	A+
June 30, 2025	$1.1B	1.26%	5.0	A+
March 31, 2025	$1.1B	0.85%	5.0	A+
December 31, 2024	$1.2B	2.32%	5.0	A+
September 30, 2024	$1.1B	2.76%	5.0	A+
June 30, 2024	$1.1B	2.22%	5.0	A+
March 31, 2024	$1.1B	3.68%	5.0	A+
December 31, 2023	$1.0B	1.39%	5.0	A+
September 30, 2023	$976M	1.52%	5.0	A+

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

Institution Name Bank of Pontiac

Bank Holding Company PONTIAC BCORP INC

Address 300 W Washington St, Pontiac, IL 61764 · Livingston

Website https://www.bankofpontiac.com

FDIC Certificate # 16982

Established 19470906

FDIC Insurance Date 19510129

Domestic Offices 14

Total Branches 14

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.86%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2792%

Return on Equity (ROE) 11.1000%

Non-Performing Loans (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 06/30/2026

2026 MBR Health & Safety Badge

Bank of Pontiac earned the Verified Healthy badge

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Frequently Asked Questions About Bank of Pontiac

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.