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Itasca Bank & Trust Co. 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
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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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| 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 6, 2026

Itasca Bank & Trust Co.'s Variable 18-Month IRA/SEP rates are at 2.20%. Itasca Bank & Trust Co.'s savings rates are at 0.45%. Itasca Bank & Trust Co.'s money market rates are at 0.50%. Itasca Bank & Trust Co.'s checking rates are as high as 0.28%. Itasca Bank & Trust Co.'s savings rates are 40% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Itasca Bank & Trust Co. with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.14%. Rates last updated and verified on 11/06/2026.

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

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 ?
2.14%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Itasca Bank & Trust Co.
308 W Irving Park Rd
Itasca, IL 60143
https://www.itascabank.com
MemberFDIC
Customer Reviews
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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.

Itasca Bank & Trust Co. CD Rates

Product Rate APY Term View More
Variable 18-Month IRA/SEP 2.18% 2.20% 18 Month
Min Balance $1,000
Details Variable rate account; Balance to obtain APY: $1,000.00
Last Updated 11/06/2026
Rate History
1 change since Sep 14, 2026 · 2.15% → 2.20% ▲ 0.05 pts · high 2.20% / low 2.15%
1.65%2.18%2.70%Sep 14, 2026: 2.15% APYOct 3, 2026: 2.20% APYSep 14, 2026Nov 9, 2026
  • Oct 3, 20262.20%▲ from 2.15%
  • Sep 14, 20262.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.14%

Itasca Bank & Trust Co. Savings Rates

Product Rate APY View More
Health Savings Account 0.45% 0.45%
Min Balance $10,000
Details Balance: $10,000.00 and over
Last Updated 11/06/2026
Rate History
1 change since Sep 14, 2026 · 0.40% → 0.45% ▲ 0.05 pts · high 0.45% / low 0.40%
0.00%0.48%0.95%Sep 14, 2026: 0.40% APYOct 3, 2026: 0.45% APYSep 14, 2026Nov 9, 2026
  • Oct 3, 20260.45%▲ from 0.40%
  • Sep 14, 20260.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.14%
Itasca Savings 0.30% 0.30%
Min Balance $250
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 10 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.14%
Savings IRA/SEP 0.30% 0.30%
Min Balance $250
Details Balance to obtain APY: $250.00
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 10 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.14%
Savings-Minor 0.30% 0.30%
Min Balance $100
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 10 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.14%
Health Savings Account 0.20% 0.20%
Min Balance $1,500
Details Balance: $1,500.00-$9,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 9 times
0.00%0.35%0.70%Sep 24, 2026: 0.20% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.14%
Health Savings Account 0.05% 0.05%
Min Balance $0
Details Balance: $.01-$1,499.99
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 10 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.14%

Itasca Bank & Trust Co. Business Savings Rates

Product Rate APY View More
Business Savings 0.30% 0.30%
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 10 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.14%

Itasca Bank & Trust Co. Money Market Rates

Product Rate APY View More
Personal Money Market 0.50% 0.50%
Min Balance $2,500
Last Updated 11/06/2026
Rate History
1 change since Sep 14, 2026 · 0.45% → 0.50% ▲ 0.05 pts · high 0.50% / low 0.45%
0.00%0.50%1.00%Sep 14, 2026: 0.45% APYOct 3, 2026: 0.50% APYSep 14, 2026Nov 9, 2026
  • Oct 3, 20260.50%▲ from 0.45%
  • Sep 14, 20260.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.14%

Itasca Bank & Trust Co. Business Money Market Rates

Product Rate APY View More
Business Money Market 0.50% 0.50%
Min Balance $2,500
Last Updated 11/06/2026
Rate History
1 change since Sep 14, 2026 · 0.45% → 0.50% ▲ 0.05 pts · high 0.50% / low 0.45%
0.00%0.50%1.00%Sep 14, 2026: 0.45% APYOct 3, 2026: 0.50% APYSep 14, 2026Nov 9, 2026
  • Oct 3, 20260.50%▲ from 0.45%
  • Sep 14, 20260.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.14%

Itasca Bank & Trust Co. Checking Rates

Product Rate APY View More
Personal Interest Checking 0.28% 0.28%
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Sep 14, 2026 · 0.28% APY · checked 10 times
0.00%0.39%0.78%Sep 14, 2026: 0.28% APYSep 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.14%

Itasca Bank & Trust Co. Other Rates

Product Rate Points APY/APR Term View More
CD Bonus Savings (Companion) 3.78% - 3.85% 182 days
Min Balance $1,000
Details Requires a CD of 182 days or greater opened at the same time; initial deposit must be equal to or less than the CD's opening balance; no additional deposits after the initial deposit; only in-person withdrawals allowed
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 21, 2026: 3.85% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.14%
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.
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Financial Health History

Itasca Bank & Trust Co.’s Texas Ratio stayed near 2.46% in Q3 2023 to 2.14% in Q2 2026, so its financial health has stayed 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★ 0.8% 2.0★ 1.7% 3.0★ 2.5% 4.0★ 3.4% 5.0★ Healthy zone – entire history below the 15% limit 2.46% 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 2.14% 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$771M2.14%5.0A+
March 31, 2026$765M2.11%5.0A+
December 31, 2025$777M2.50%5.0A+
September 30, 2025$756M1.38%5.0A+
June 30, 2025$740M0.89%5.0A+
March 31, 2025$761M0.52%5.0A+
December 31, 2024$772M0.00%5.0A+
September 30, 2024$772M0.00%5.0A+
June 30, 2024$748M1.86%5.0A+
March 31, 2024$748M2.01%5.0A+
December 31, 2023$734M2.12%5.0A+
September 30, 2023$732M2.46%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 Itasca Bank & Trust Co. 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 Itasca Bank & Trust Co. 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 Itasca Bank & Trust Co.'s official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Itasca Bank & Trust Co.
Website https://www.itascabank.com
Address 308 W Irving Park Rd, Itasca, IL 60143  ·  Dupage
Bank Holding Company ITASCA BCORP INC
FDIC Certificate # 16666
Regulator FDIC
Established January 24, 1948
FDIC Insurance Date January 24, 1948
Domestic Offices 2
Total Branches 2
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
2.14%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.1043%
Return on Equity (ROE)
11.5500%
Non-Performing Loans Ratio (NPL)
0.21%
Total Assets
$770,773,000
Total Deposits
$691,700,000
Equity Capital
$74,308,000
Net Income
$4,257,000
Headquarters
Itasca
Total Branches and Offices
2
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Itasca Bank & Trust Co. 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/itasca-bank-and-trust-co-rates-review-16666">
  <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 Itasca Bank & Trust Co. 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
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Frequently Asked Questions About Itasca Bank & Trust Co.

Does Itasca Bank & Trust Co. offer CDs?

Yes. Itasca Bank & Trust Co. current CD rates include its Variable 18-Month IRA/SEP CD at 2.20% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from Itasca Bank & Trust Co. FDIC insured?

Yes. Itasca Bank & Trust Co. is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Itasca Bank & Trust Co.?

The highest Itasca Bank & Trust Co. CD rate is its Variable 18-Month IRA/SEP CD at 2.20% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does Itasca Bank & Trust Co. offer?

Itasca Bank & Trust Co. CD rates are 2.20% APY for an 18 month CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Itasca Bank & Trust Co. for its full lineup.

What is the highest savings rate at Itasca Bank & Trust Co.?

The highest Itasca Bank & Trust Co. savings rate is its Health Savings Account at 0.45% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest money market rate at Itasca Bank & Trust Co.?

The highest Itasca Bank & Trust Co. money market rate is its Business Money Market at 0.50% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at Itasca Bank & Trust Co.?

The highest Itasca Bank & Trust Co. checking rate is its Personal Interest Checking at 0.28% APY, verified by MonitorBankRates as of November 6, 2026.

How many branches does Itasca Bank & Trust Co. operate?

Itasca Bank & Trust Co. currently maintains approximately 2 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, Itasca Bank & Trust Co. 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, Itasca Bank & Trust Co. provides members with tools to manage their accounts and build a solid financial history.

Does Itasca Bank & Trust Co. offer online and mobile banking?

Most modern institutions like Itasca Bank & Trust Co. 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.itascabank.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 Itasca Bank & Trust Co. rates compare?

Itasca Bank & Trust Co.'s savings rates are 40% lower than the MonitorBankRates national average, and it has an A+ health rating. Itasca Bank & Trust Co.'s top rates are its Variable 18-Month IRA/SEP CD at 2.20% APY, its Health Savings Account at 0.45% APY, its Business Money Market at 0.50% APY and its Personal Interest Checking at 0.28% APY, verified by MonitorBankRates on November 6, 2026.

Current Itasca Bank & Trust Co. Rates

  • 18-Month CD2.20%
  • Savings0.45%
  • MMA0.50%
Retrieved from our database of financial products. Rates subject to change.

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