MonitorBankRates
☰
  1. Home›
  2. Banks›
  3. Crystal Lake Bank and Trust Co., N.A
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Crystal Lake Bank and Trust Co., N.A Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Crystal Lake Bank and Trust Co., N.A's savings rates are at 2.00%. MonitorBankRates evaluates the financial stability of Crystal Lake Bank and Trust Co., N.A with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.94%. Rates last updated and verified on 11/05/2026.

Crystal Lake Bank and Trust Co., N.A 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 Crystal Lake Bank and Trust Co., N.A? Share your experience about Crystal Lake Bank and Trust Co., N.A by leaving a review below, or read customer reviews before you decide to use Crystal Lake Bank and Trust Co., N.A.

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 ?
2.94%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Crystal Lake Bank and Trust Co., N.A
70 N Williams St
Crystal Lake, IL 60014
https://www.crystallakebank.com
MemberFDIC
Customer Reviews
Be the first to review
Write a Review
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.

Crystal Lake Bank and Trust Co., N.A Savings Rates

Product Rate APY View More
Statement Savings Advanced Special - 2.00%
Min Balance $0
Details Qualifications Required: Open new Statement Savings Advanced account; mention offer during in-branch account opening or visit URL provided; deposit new money at account opening; With qualifying activities; Variable rate; No minimum to open; $200 daily balance to avoid a $5 monthly maintenance fee; New money only; Minimum daily balance of $0.01 required to obtain APY; Offer available to existing or closed savings account customers; APY accurate as of 10/29/26
Last Updated 11/05/2026
Rate History
No change since Sep 30, 2026 · 2.00% APY · checked 11 times
1.50%2.00%2.50%Sep 30, 2026: 2.00% APYSep 30, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.94%

Crystal Lake Bank and Trust Co., N.A Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 7.00%
Details Amount: $500,000+; Variable rate; Total term 360 months; 10-year draw period
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 7.00% APR · checked 7 times
6.50%7.00%7.50%Oct 14, 2026: 7.00% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.94%
Home Equity Line of Credit - - 7.25%
Details Amount: $250,000 - $499,999; Variable rate; Total term 360 months; 10-year draw period
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 7.25% APR · checked 7 times
6.75%7.25%7.75%Oct 14, 2026: 7.25% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.94%
Home Equity Line of Credit - - 7.50%
Details Amount: $100,000 - $249,999; Variable rate; Total term 360 months; 10-year draw period
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 7.50% APR · checked 7 times
7.00%7.50%8.00%Oct 14, 2026: 7.50% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.94%
Home Equity Line of Credit - - 7.75%
Details Amount: $10,000 - $99,999; Variable rate; Total term 360 months; 10-year draw period
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 7.75% APR · checked 7 times
7.25%7.75%8.25%Oct 14, 2026: 7.75% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.94%
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.
Powered by MonitorBankRates

Financial Health History

Crystal Lake Bank and Trust Co., N.A’s Texas Ratio fell from 4.78% in Q3 2023 to 2.94% in Q2 2026, so its financial health has improved and is now 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★ 2% 2.0★ 4.1% 3.0★ 6.1% 4.0★ 8.2% 5.0★ Healthy zone – entire history below the 15% limit 4.78% 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 2.94% 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$2.3B2.94%5.0A+
March 31, 2026$2.1B3.22%5.0A+
December 31, 2025$2.1B4.87%5.0A+
September 30, 2025$2.0B1.10%5.0A+
June 30, 2025$1.9B2.43%5.0A+
March 31, 2025$1.8B3.12%5.0A+
December 31, 2024$1.8B4.87%5.0A+
September 30, 2024$1.8B6.04%5.0A
June 30, 2024$1.8B3.15%5.0A+
March 31, 2024$1.6B3.38%5.0A+
December 31, 2023$1.6B2.70%5.0A+
September 30, 2023$1.7B4.78%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 Crystal Lake Bank and Trust Co., N.A 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 Crystal Lake Bank and Trust Co., N.A 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 Crystal Lake Bank and Trust Co., N.A's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Crystal Lake Bank and Trust Co., N.A
Website https://www.crystallakebank.com
Address 70 N Williams St, Crystal Lake, IL 60014  ·  Mchenry
Bank Holding Company WINTRUST FINANCIAL CORP
FDIC Certificate # 34681
Regulator OCC
Established December 19, 1997
FDIC Insurance Date December 19, 1997
Domestic Offices 6
Total Branches 6
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
2.94%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.5424%
Return on Equity (ROE)
16.7100%
Non-Performing Loans Ratio (NPL)
0.26%
Total Assets
$2,259,402,000
Total Deposits
$1,866,772,000
Equity Capital
$200,063,000
Net Income
$16,669,000
Headquarters
Crystal Lake
Total Branches and Offices
6
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Crystal Lake Bank and Trust Co., N.A 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/crystal-lake-bank-and-trust-rates-review-34681">
  <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

There are no reviews for Crystal Lake Bank and Trust Co., N.A 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
0
Add Your Rating and Review for Crystal Lake Bank and Trust Co., N.A
Your Name:
Your Rating:

Frequently Asked Questions About Crystal Lake Bank and Trust Co., N.A

What is the highest savings rate at Crystal Lake Bank and Trust Co., N.A?

The highest Crystal Lake Bank and Trust Co., N.A savings rate is its Statement Savings Advanced Special at 2.00% APY, verified by MonitorBankRates as of November 5, 2026.

How many branches does Crystal Lake Bank and Trust Co., N.A operate?

Crystal Lake Bank and Trust Co., N.A currently maintains approximately 6 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, Crystal Lake Bank and Trust Co., N.A 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, Crystal Lake Bank and Trust Co., N.A provides members with tools to manage their accounts and build a solid financial history.

Does Crystal Lake Bank and Trust Co., N.A offer online and mobile banking?

Most modern institutions like Crystal Lake Bank and Trust Co., N.A 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.crystallakebank.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 Crystal Lake Bank and Trust Co., N.A rates compare?

Crystal Lake Bank and Trust Co., N.A's top rate is its Statement Savings Advanced Special at 2.00% APY, verified by MonitorBankRates on November 5, 2026.

Current Crystal Lake Bank and Trust Co., N.A Rates

  • Savings2.00%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

Mayville Savings Bank French-American Banking Corporation (NYIC) First Midwest Bank of Dexter First State Bank Valliant, OK Georgia Community Bank First Metro Bank Marquette Bank Citizens Bank & Trust Company Big Timber, MT Midstates Bank, N.A. FNB of Gordon Buckeye State Bank Port Washington State Bank 1st State Bank MI First State B&T Monticello, IL BCB Community Bank WestStar Bank Jackson Savings Bank, SSB First Federal S&L Centerburg, OH Johnson Bank Rayne Building and Loan Association Little Horn State Bank