What are the current interest rates at Barrington Bank & Trust Company?

Current rates for Barrington Bank & Trust Company include: 12-Month CD: 3.55%, 18-Month CD: 3.50%, 24-Month CD: 3.35%

☰

Home›
Banks›
Barrington Bank & Trust Company

iAdvertiser Disclosure

Barrington Bank & Trust Company Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Barrington Bank & Trust Company 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: August 28, 2026

Barrington Bank & Trust Company's 7-Month CD SPECIAL rates are at 3.90%, 11-Month CD SPECIAL rates are at 3.55%, 17-Month CD SPECIAL rates are at 3.50%, 23-Month CD SPECIAL rates are at 3.35%, 26-Month CD SPECIAL rates are at 3.35%. MonitorBankRates evaluates the financial stability of Barrington Bank & Trust Company with a 3.1 Star Rating, an D Overall Health Grade, and a Texas Ratio of 38.14%. Rates last updated and verified on 08/28/2026.

Barrington Bank & Trust Company 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 Barrington Bank & Trust Company? Share your experience about Barrington Bank & Trust Company by leaving a review below, or read customer reviews before you decide to use Barrington Bank & Trust Company.

Overall Health & Safety Grade

Weak Health Score: 62/100

MonitorBankRates Rating

3.1

Good Out of 5.0 Stars

Texas Ratio

38.14%

Fair Higher than avg

Barrington Bank & Trust Company, National Association

201 S Hough St
Barrington, IL 60010

https://www.barringtonbank.com

Barrington Bank & Trust Company CD Rates

Product	Rate	APY	Term
7-Month CD SPECIAL	-	3.90%	7-Month
Min Deposit $1,000 Details New money only. Last Updated 08/28/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 38.14%
11-Month CD SPECIAL	-	3.55%	11-Month
Min Deposit $1,000 Details New money only. Last Updated 08/28/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 38.14%
17-Month CD SPECIAL	-	3.50%	17-Month
Min Deposit $1,000 Details New money only. Last Updated 08/28/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 38.14%
23-Month CD SPECIAL	-	3.35%	23-Month
Min Deposit $1,000 Details New money only. Last Updated 08/28/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 38.14%
26-Month CD SPECIAL	-	3.35%	26-Month
Min Deposit $1,000 Details New money only. Last Updated 08/28/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 38.14%
33-Month CD SPECIAL	-	3.35%	33-Month
Min Deposit $1,000 Details New money only. Last Updated 08/28/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 38.14%

Barrington Bank & Trust Company Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity HELOC	-	-	6.75%
No additional details. Last Updated 08/28/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 38.14%
Home Equity Line of Credit	-	-	6.75%	360 months
Details Variable rate based on WSJ Prime + margin. During Draw Period (10 years): $10,000 - $99,999.99: 7.50% (Prime + 0.75%), $100,000 - $249,999.99: 7.25% (Prime + .50%), $250,000-$500,000: 7.00% (Prime + .25%), $500,000+: 6.75% (Prime + .00% or floor rate, whichever is greater). Minimum APR 3.99%, Maximum APR 20.00%. During Repayment Period (20 years): variable rate based on WSJ Prime + margin at closing with floor of 3.99%. Minimum APR 3.99%, Maximum APR 20.00%. Annual fee of $75, waived for the first year. Offer applies to lines secured by owner occupied or second homes, one-to four-family residences. Loan to values exceeding 80% may have higher rates. Property insurance is required & flood insurance may be required. Consult a tax advisor regarding the deductibility of interest. Third party fees will be paid by the bank with the exception of the following: fees on purchase money (including simultaneous loans) or fees on properties located in any state that is not IL, WI, IN, MI, Collier County, FL and Lee County, FL (the rest of FL not included). Pricing shown assumes borrower meets underwriting guidelines, otherwise a higher APR may apply, or credit may not be available. See your loan officer for details. Last Updated 08/28/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 38.14%
Home Equity HELOC	-	-	7.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 38.14%
Home Equity Line of Credit	-	-	7.00%	360 months
Details Variable rate based on WSJ Prime + margin. During Draw Period (10 years): $10,000 - $99,999.99: 7.50% (Prime + 0.75%), $100,000 - $249,999.99: 7.25% (Prime + .50%), $250,000-$500,000: 7.00% (Prime + .25%), $500,000+: 6.75% (Prime + .00% or floor rate, whichever is greater). Minimum APR 3.99%, Maximum APR 20.00%. During Repayment Period (20 years): variable rate based on WSJ Prime + margin at closing with floor of 3.99%. Minimum APR 3.99%, Maximum APR 20.00%. Annual fee of $75, waived for the first year. Offer applies to lines secured by owner occupied or second homes, one-to four-family residences. Loan to values exceeding 80% may have higher rates. Property insurance is required & flood insurance may be required. Consult a tax advisor regarding the deductibility of interest. Third party fees will be paid by the bank with the exception of the following: fees on purchase money (including simultaneous loans) or fees on properties located in any state that is not IL, WI, IN, MI, Collier County, FL and Lee County, FL (the rest of FL not included). Pricing shown assumes borrower meets underwriting guidelines, otherwise a higher APR may apply, or credit may not be available. See your loan officer for details. Last Updated 08/28/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 38.14%
Home Equity HELOC	-	-	7.25%
No additional details. Last Updated 08/28/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 38.14%
Home Equity Line of Credit	-	-	7.25%	360 months
Details Variable rate based on WSJ Prime + margin. During Draw Period (10 years): $10,000 - $99,999.99: 7.50% (Prime + 0.75%), $100,000 - $249,999.99: 7.25% (Prime + .50%), $250,000-$500,000: 7.00% (Prime + .25%), $500,000+: 6.75% (Prime + .00% or floor rate, whichever is greater). Minimum APR 3.99%, Maximum APR 20.00%. During Repayment Period (20 years): variable rate based on WSJ Prime + margin at closing with floor of 3.99%. Minimum APR 3.99%, Maximum APR 20.00%. Annual fee of $75, waived for the first year. Offer applies to lines secured by owner occupied or second homes, one-to four-family residences. Loan to values exceeding 80% may have higher rates. Property insurance is required & flood insurance may be required. Consult a tax advisor regarding the deductibility of interest. Third party fees will be paid by the bank with the exception of the following: fees on purchase money (including simultaneous loans) or fees on properties located in any state that is not IL, WI, IN, MI, Collier County, FL and Lee County, FL (the rest of FL not included). Pricing shown assumes borrower meets underwriting guidelines, otherwise a higher APR may apply, or credit may not be available. See your loan officer for details. Last Updated 08/28/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 38.14%
Home Equity HELOC	-	-	7.50%
No additional details. Last Updated 08/28/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 38.14%
Home Equity Line of Credit	-	-	7.50%	360 months
Details Variable rate based on WSJ Prime + margin. During Draw Period (10 years): $10,000 - $99,999.99: 7.50% (Prime + 0.75%), $100,000 - $249,999.99: 7.25% (Prime + .50%), $250,000-$500,000: 7.00% (Prime + .25%), $500,000+: 6.75% (Prime + .00% or floor rate, whichever is greater). Minimum APR 3.99%, Maximum APR 20.00%. During Repayment Period (20 years): variable rate based on WSJ Prime + margin at closing with floor of 3.99%. Minimum APR 3.99%, Maximum APR 20.00%. Annual fee of $75, waived for the first year. Offer applies to lines secured by owner occupied or second homes, one-to four-family residences. Loan to values exceeding 80% may have higher rates. Property insurance is required & flood insurance may be required. Consult a tax advisor regarding the deductibility of interest. Third party fees will be paid by the bank with the exception of the following: fees on purchase money (including simultaneous loans) or fees on properties located in any state that is not IL, WI, IN, MI, Collier County, FL and Lee County, FL (the rest of FL not included). Pricing shown assumes borrower meets underwriting guidelines, otherwise a higher APR may apply, or credit may not be available. See your loan officer for details. Last Updated 08/28/2026 Institution Ratings 3.1 Star Rating D Health Grade ◈ Texas Ratio: 38.14%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Barrington Bank & Trust Company 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 Barrington Bank & Trust Company 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 Barrington Bank & Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Barrington Bank & Trust Company

Bank Holding Company WINTRUST FINANCIAL CORP

Address 201 S Hough St, Barrington, IL 60010 · Cook

Website https://www.barringtonbank.com

FDIC Certificate # 34395

Established 12/19/1996

FDIC Insurance Date 12/19/1996

Domestic Offices 9

Total Branches 9

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 62/100

3.1

Good Out of 5.0 Stars

38.14%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8787%

Return on Equity (ROE) 7.5300%

Non-Performing Loans (NPL) 3.46%

Total Assets $4,769,383,000

Total Deposits $3,666,507,000

Equity Capital $519,730,000

Net Income $48,160,000

Headquarters Barrington

Total Branches and Offices 9

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

There are no reviews for Barrington Bank & Trust Company yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Barrington Bank & Trust Company

Frequently Asked Questions About Barrington Bank & Trust Company

How many branches does Barrington Bank & Trust Company operate?

Barrington Bank & Trust Company currently maintains approximately 9 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, Barrington Bank & Trust Company 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, Barrington Bank & Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does Barrington Bank & Trust Company offer online and mobile banking?

Most modern institutions like Barrington Bank & Trust Company 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.barringtonbank.com.