What are the current interest rates at Bank of Pontiac?

Current rates for Bank of Pontiac include: Savings: 0.05%

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Bank of Pontiac Rates & Review April 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: April 22, 2026

Bank of Pontiac's savings 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 1.52%. Rates were last updated on 04/22/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.52%

Excellent Lower than avg

Bank of Pontiac

300 W Washington St
Pontiac, IL 61764

https://www.bankofpontiac.com

Bank of Pontiac Savings Rates

Product	Rate	APY	View More
Savings	0.05%	0.05%
Min Deposit $100 Last Updated 04/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.52%

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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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 09/06/1947

FDIC Insurance Date 01/29/1951

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

1.52%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3880%

Return on Equity (ROE) 14.4900%

Non-Performing Loans (NPL) 0.10%

Total Assets $1,171,422,000

Total Deposits $1,000,722,000

Equity Capital $132,739,000

Net Income $16,206,000

Headquarters Pontiac

Total Offices 14

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Bank of Pontiac

Is Bank of Pontiac a safe place to deposit money?

Yes, Bank of Pontiac is considered a safe financial institution. With a Texas Ratio of 1.5243454343125%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

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.