First State B&T Monticello, IL CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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First State B&T Monticello, ILToday's 12-month CD rates can be found at 3.04%, 6-month CD rates at 3.30% and 3-month CD rates at 0.05%. Current savings rates are at 0.05% and money market rates are at 1.00%. Mortgage rates today on 30-year fixed loans are around 6.98%. Credit Card rates are at 14.24%. Personal Loan rates are at 7.00%. All these rates, and more, can be found in our database of rates.

To see how these rates compare to First State B&T Monticello, IL CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from First State B&T Monticello, IL, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with First State B&T Monticello, IL CD rates. You can also compare First State B&T Monticello, IL savings rates, MMA rates and mortgage rates using our other rate lists.

First State B&T Monticello, IL 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 State B&T Monticello, IL? Share your experience about First State B&T Monticello, IL by leaving a review below, or read customer reviews before you decide to use First State B&T Monticello, IL.

First State B&T Monticello, IL Texas Ratio

First State B&T Monticello, IL's Texas Ratio is at 8.45%, which is considered excellent. The Texas Ratio for First State B&T Monticello, IL 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.

Overall, First State B&T Monticello, IL is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
First State B&T Monticello, IL
201 W Main St
Monticello, IL 61856
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Compare First State B&T Monticello, IL Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
American Bank & Trust Co, Inc.
American Bank & Trust Co, Inc.
18-Month CD
4.65%
$1,000
The Golden 1 Credit Union
The Golden 1 Credit Union
16-Month CD
4.30%
$500
FSB of Westmoreland
FSB of Westmoreland
48-Month CD
4.14%
$1,000
Lyndon State Bank
Lyndon State Bank
6-Month CD
4.14%
$2,500
Skyone Federal Credit Union
Skyone Federal Credit Union
60-Month CD
4.00%
$1,000
The Seymour Bank
The Seymour Bank
60-Month CD
3.80%
$1,000
The Citizens Bank of Weston
The Citizens Bank of Weston
36-Month CD
3.71%
$500
F&M Bank of Hutsonville
F&M Bank of Hutsonville
Platinum Money Market
3.56%
$500,000
Abbey Credit Union
Abbey Credit Union
60-Month CD
3.55%
$500
The Grant County Bank
The Grant County Bank
Plateau Premium Investment Checking
3.34%
$25,000
Abound Federal Credit Union
Abound Federal Credit Union
48-month CD
3.25%
$500
Artisans Bank
Artisans Bank
18-Month CD
3.25%
$500
Citizens Savings Bank Bogalusa, LA
Citizens Savings Bank Bogalusa, LA
18-Month CD
3.25%
$2,500
Bonanza Valley State Bank
Bonanza Valley State Bank
60-Month CD
3.15%
$500
Bank of Prague
Bank of Prague
48-Month CD
3.12%
$1,000
Bank of Kampsville
Bank of Kampsville
18-Month CD
3.03%
$1,000
BLC Community Bank
BLC Community Bank
18-Month CD
3.00%
$2,500
First Shore Federal S&L
First Shore Federal S&L
36-Month CD
3.00%
$500
Bank of Burlington
Bank of Burlington
6-Month CD
2.78%
$1,000
LNB Community Bank
LNB Community Bank
36-Month CD
2.52%
$500
First Federal S&L of Lakewood
First Federal S&L of Lakewood
60-Month CD
2.32%
$500
First Federal S&L of Central Illinois, S.B.
First Federal S&L of Central Illinois, S.B.
18-Month CD
2.28%
$1,000
Port Washington State Bank
Port Washington State Bank
24-Month CD
2.25%
$10,000
CNB Hugoton, KS
CNB Hugoton, KS
12-Month CD
2.06%
$500
Swedish-American State Bank
Swedish-American State Bank
60-Month CD
2.05%
$500
BluPeak Credit Union
BluPeak Credit Union
36-Month CD
2.00%
$1,000
United Bank of Union
United Bank of Union
Companion Savings
1.50%
$1,000
CorTrust Bank
CorTrust Bank
Cor Savings
1.50%
$1,000,000
Bank of Lake Mills
Bank of Lake Mills
18-Month CD
1.45%
$500
Mechanics Cooperative Bank
Mechanics Cooperative Bank
12-Month CD
1.00%
$500
Ascendia Bank
Ascendia Bank
Money Market Checking
1.00%
$1,000
SSB State Street Bank
SSB State Street Bank
18-Month CD
0.90%
$1,000
Foresight Bank
Foresight Bank
High-Interest Savings
0.90%
$100
Nashville Savings Bank
Nashville Savings Bank
18-Month CD
0.90%
$1,000
Greenstate Credit Union
Greenstate Credit Union
60-Month CD
0.75%
$500
Security Savings Bank
Security Savings Bank
Savings Round Up
0.70%
$0
Everett Co-operative Bank
Everett Co-operative Bank
18-Month CD
0.65%
$500
Atkins Savings B&T
Atkins Savings B&T
Money Market
0.50%
$1,500
Pillar Bank
Pillar Bank
60-Month CD
0.45%
$500
Somerset Trust Company
Somerset Trust Company
24-Month CD
0.35%
$500
Greenville National Bank
Greenville National Bank
48-Month CD
0.35%
$1,000
Murphy-Wall State B&T Co.
Murphy-Wall State B&T Co.
12-Month CD
0.30%
$1,000
Wrentham Co-operative Bank
Wrentham Co-operative Bank
12-Month CD
0.30%
$500
The Dolores State Bank
The Dolores State Bank
Regular Savings
0.20%
$50
1st Bank Yuma
1st Bank Yuma
1st Premium Money Market
0.20%
$25,000
PNB Community Bank
PNB Community Bank
36-Month CD
0.15%
$1,000
SSB Community Bank
SSB Community Bank
Money Market
0.15%
$10,000
Stock Exchange Bank, Caldwell, KS
Stock Exchange Bank, Caldwell, KS
Money Market
0.15%
$2,500
Union Bank, Inc.
Union Bank, Inc.
Regular Savings
0.04%
$25
1st University Credit Union
1st University Credit Union
Savings
0.01%
$100
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates February 15, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.125%
5.230%
0.000
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
5.500%
5.614%
0.000
5.500%
5.654%
0.000
30-Year Fixed
5.560%
5.730%
0.000
5.750%
5.756%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.750%
5.793%
0.000
5.625%
5.797%
0.000
5.750%
5.801%
0.000
5.750%
5.801%
0.000
15-Year Fixed
5.750%
5.806%
0.000
10-Year Fixed (Power Rate)
5.500%
5.814%
0.000
5.500%
5.820%
0.000
5.750%
5.832%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Our apologies, we do not have First State B&T Monticello, IL rate data right now, check back for updates, we are adding rates all the time.

First State B&T Monticello, IL Information

First State B&T Monticello, IL
201 W Main St
Monticello, IL 61856
Piatt
Established Date: 11/10/1945
FDIC Certificate #: 16332
Date of FDIC Deposit Insurance: 11/10/1945
Bank Holding Company: FIRST ST BCORP MONTICELLO EMPLOYEE STK OWNERSHIP PLAN
How Many Domestic U.S. Offices? 10
How Many Branches are There? 10
Is First State B&T Monticello, IL FDIC Insured? Yes
What is First State B&T Monticello, IL's Cert number? 16332
What is the maximum amount for insured deposits? $250,000 per holder, per account

First State B&T Monticello, IL Financials

Total Assets:
$485,292,000
Total Deposits:
$447,658,000
Equity Capital:
$32,473,000
Domestic Deposits:
$447,658,000
Net Income:
$2,359,000
Return on Assets:
1.9967%
Quarterly Return on Assets:
1.9500%
Pretax Return on Assets:
1.9501%
Pretax Quarterly Return on Assets:
1.9500%
Return on Equity:
34.8600%
Quarterly Return on Equity:
29.3700%
Common Equity Tier 1 Capital Ratio:
20.2630%
Tier 1 Risk-Based Capital Ratio:
20.2630%
Leverage Tier 1 (Core Capital) Ratio:
8.1107%
Total Risk-Based Capital Ratio (YTD):
21.3631%
Total Interest Income (YTD):
4.4709%
 
 
Headquarters:
Monticello
FDIC Field Office:
Champaign
Regulator:
FDIC
County:
Piatt
# of Offices:
10
Metropolitan Statistical Area (MSA):
Champaign-Urbana, IL
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC Last Updated 03/31/2024

Explore Other Rate Deals

This is a first in a very long time, both average 1 year CD rates and the best 1 year CD rates in our database are higher this week. Average 1 year CD rates increased from 0.88 percent to 0.90 percent and the highest 1 year rate offered by banks in our database increased from 1.05 percent to 1.07 percent.
Mortgage rates are mostly higher today following bond yields and stock prices higher. 10 year bond yields rose to just under 3.00% on news of record U.S. exports. Current 30 year mortgage rates are averaging 4.53%, up from yesterday’s average 30 year mortgage rate of 4.45% as reported by MonitorBankRates.com.
Listed below are the best variable deposit rates for March 1, 2016. For a list of today's deposit rates search our database of rates at Deposit Rates.

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