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 First Federal S&L of Central Illinois, S.B. Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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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: April 16, 2026
First Federal S&L of Central Illinois, S.B.'s 36-Month CD / IRA rates are at 3.05%, 48-Month CD / IRA rates are at 3.05%, 60-Month CD / IRA rates are at 3.05%, 30-Month CD / IRA rates are at 2.79%, 24-Month CD / IRA rates are at 2.53%. First Federal S&L of Central Illinois, S.B.'s savings rates are at 0.75%. First Federal S&L of Central Illinois, S.B.'s money market rates are at 0.75%. MonitorBankRates evaluates the financial stability of First Federal S&L of Central Illinois, S.B. with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.33%. Rates were last updated on 04/16/2026. First Federal S&L of Central Illinois, S.B. 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 First Federal S&L of Central Illinois, S.B.? Share your experience about First Federal S&L of Central Illinois, S.B. by leaving a review below, or read customer reviews before you decide to use First Federal S&L of Central Illinois, S.B.. First Federal S&L of Central Illinois, S.B.
200 W Main Street
https://www.1stfedci.com Shelbyville, IL 62565 
First Federal S&L of Central Illinois, S.B. CD Rates
First Federal S&L of Central Illinois, S.B. Savings Rates
First Federal S&L of Central Illinois, S.B. Money Market Rates
First Federal S&L of Central Illinois, S.B. Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First Federal S&L of Central Illinois, S.B. 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 First Federal S&L of Central Illinois, S.B. 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 First Federal S&L of Central Illinois, S.B.'s official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
First Federal S&L of Central Illinois, S.B.
FDIC Certificate #
29645
Address
200 W Main Street,
Shelbyville, IL 62565 · Shelby
Website
https://www.1stfedci.com
Established
01/01/1906
FDIC Insurance Date
08/09/1989
Domestic Offices
3
Total Branches
3
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 95/100
5.0
Exceptional
Out of 5.0 Stars
10.33%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.0655%
Return on Equity (ROE)
11.7100%
Non-Performing Loans (NPL)
0.67%
Total Assets
$225,118,000
Total Deposits
$188,155,000
Equity Capital
$24,886,000
Net Income
$2,470,000
Headquarters
Shelbyville
Total Offices
3
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About First Federal S&L of Central Illinois, S.B.Is First Federal S&L of Central Illinois, S.B. a safe place to deposit money?Yes, First Federal S&L of Central Illinois, S.B. is considered a safe financial institution. With a Texas Ratio of 10.327342385487%, 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 First Federal S&L of Central Illinois, S.B. operate?First Federal S&L of Central Illinois, S.B. currently maintains approximately 3 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, First Federal S&L of Central Illinois, S.B. 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, First Federal S&L of Central Illinois, S.B. provides members with tools to manage their accounts and build a solid financial history. Does First Federal S&L of Central Illinois, S.B. offer online and mobile banking?Most modern institutions like First Federal S&L of Central Illinois, S.B. 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.1stfedci.com. Current First Federal S&L of Central Illinois, S.B. Rates
Retrieved from our database of financial products. Rates subject to change.
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