First Federal S&L of Central Illinois, S.B. Rates and Review February 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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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 1.01%. First Federal S&L of Central Illinois, S.B.'s money market rates are at 0.75%.
Rate Updates and AvailabilityFirst 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. Texas RatioFirst Federal S&L of Central Illinois, S.B.'s Texas Ratio is at 11.12%, which is considered excellent. The Texas Ratio for First Federal S&L of Central Illinois, S.B. is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
First Federal S&L of Central Illinois, S.B. has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, First Federal S&L of Central Illinois, S.B. is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable.
First Federal S&L of Central Illinois, S.B.
200 W Main Street
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 & OverviewFirst Federal S&L of Central Illinois, S.B.
200 W Main StreetShelbyville, IL 62565 Shelby Established Date: 01/01/1906 FDIC Certificate #: 29645 Date of FDIC Deposit Insurance: 08/09/1989 How Many Domestic U.S. Offices? 3 How Many Branches are There? 3 Website: https://www.1stfedci.com
Is First Federal S&L of Central Illinois, S.B. FDIC Insured? Yes
What is First Federal S&L of Central Illinois, S.B.'s Cert number? 29645
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$200,195,000
Total Deposits:
$170,268,000
Equity Capital:
$19,907,000
Net Income:
$697,000
Return on Assets (ROA):
1.0655%
Return on Equity (ROE):
11.7100%
Headquarters:
Shelbyville
Regulator:
FDIC
# of Offices:
3
Source: FDIC | Last Updated 03/31/2024
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Frequently Asked Questions About First Federal S&L of Central Illinois, S.B.How do I open an account at First Federal S&L of Central Illinois, S.B.?You can typically open an account at First Federal S&L of Central Illinois, S.B. by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, First Federal S&L of Central Illinois, S.B. provides a range of mortgage and home equity products. 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. Your accounts are federally insured by the FDIC up to $250,000 per depositor. 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 including online balance checks and transfers. Compare to other Banks |
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