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Libertyville Bank & Trust Company

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Libertyville Bank & Trust Company Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Libertyville Bank & Trust Company provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Libertyville Bank & Trust Company rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Libertyville Bank & Trust Company, and you can see how they compare in the Libertyville Bank & Trust Company rate tables below. MonitorBankRates evaluates the financial stability of Libertyville Bank & Trust Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.59%. Database rates last updated and verified on 09/23/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.59%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Libertyville Bank & Trust Company, National Association

507 N Milwaukee Ave
Libertyville, IL 60048

https://www.libertyvillebank.com

Libertyville Bank & Trust Company Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity HELOC	-	-	6.75%
Details Balance: $500,000+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.59%
Home Equity Line of Credit	-	-	6.75%	360 months
Details Variable rate based on the highest Prime Rate reported in the Money Rates section of the Wall Street Journal (the "WSJ Prime"), plus a margin based on the amount of the line. On 12/15/25, the WSJ Prime Rate was 6.75% resulting in the following APRs: $10,000 - $99,999.99: 7.50% (Prime + 0.75%), $100,000 - $249,999.99: 7.25% (Prime + .50%), $250,000-$500,000: 7.00% (Prime + .25%), $500,000+: 6.75% (Prime + .00% or floor rate, whichever is greater). The APR may vary based on the use of auto-debit. The minimum APR is 3.99% (floor rate) & the maximum APR is 20.00%. Rates will change on the 1st day of the statement cycle following a Prime Rate change. Interest only minimum payments required during the Draw Period. During the "Repayment Period", the remaining 20 years, the APR is a variable rate based on the WSJ Prime + the margin in effect at closing with floor of 3.99%. Subsequent changes will occur on the 1st day of the statement cycle following a Prime Rate change. The minimum APR is 3.99% (floor rate) & the maximum APR is 20.00%. During the Repayment Period, monthly principal & interest payments will be required to fully amortize the loan. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.59%
Home Equity HELOC	-	-	7.00%
Details Balance: $250,000 - $499,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.59%
Home Equity Line of Credit	-	-	7.00%	360 months
Details Variable rate based on the highest Prime Rate reported in the Money Rates section of the Wall Street Journal (the "WSJ Prime"), plus a margin based on the amount of the line. On 12/15/25, the WSJ Prime Rate was 6.75% resulting in the following APRs: $10,000 - $99,999.99: 7.50% (Prime + 0.75%), $100,000 - $249,999.99: 7.25% (Prime + .50%), $250,000-$500,000: 7.00% (Prime + .25%), $500,000+: 6.75% (Prime + .00% or floor rate, whichever is greater). The APR may vary based on the use of auto-debit. The minimum APR is 3.99% (floor rate) & the maximum APR is 20.00%. Rates will change on the 1st day of the statement cycle following a Prime Rate change. Interest only minimum payments required during the Draw Period. During the "Repayment Period", the remaining 20 years, the APR is a variable rate based on the WSJ Prime + the margin in effect at closing with floor of 3.99%. Subsequent changes will occur on the 1st day of the statement cycle following a Prime Rate change. The minimum APR is 3.99% (floor rate) & the maximum APR is 20.00%. During the Repayment Period, monthly principal & interest payments will be required to fully amortize the loan. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.59%
Home Equity HELOC	-	-	7.25%
Details Balance: $100,000 - $249,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.59%
Home Equity Line of Credit	-	-	7.25%	360 months
Details Variable rate based on the highest Prime Rate reported in the Money Rates section of the Wall Street Journal (the "WSJ Prime"), plus a margin based on the amount of the line. On 12/15/25, the WSJ Prime Rate was 6.75% resulting in the following APRs: $10,000 - $99,999.99: 7.50% (Prime + 0.75%), $100,000 - $249,999.99: 7.25% (Prime + .50%), $250,000-$500,000: 7.00% (Prime + .25%), $500,000+: 6.75% (Prime + .00% or floor rate, whichever is greater). The APR may vary based on the use of auto-debit. The minimum APR is 3.99% (floor rate) & the maximum APR is 20.00%. Rates will change on the 1st day of the statement cycle following a Prime Rate change. Interest only minimum payments required during the Draw Period. During the "Repayment Period", the remaining 20 years, the APR is a variable rate based on the WSJ Prime + the margin in effect at closing with floor of 3.99%. Subsequent changes will occur on the 1st day of the statement cycle following a Prime Rate change. The minimum APR is 3.99% (floor rate) & the maximum APR is 20.00%. During the Repayment Period, monthly principal & interest payments will be required to fully amortize the loan. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.59%
Home Equity HELOC	-	-	7.50%
Details Balance: $10,000 - $99,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.59%
Home Equity Line of Credit	-	-	7.50%	360 months
Details Variable rate based on the highest Prime Rate reported in the Money Rates section of the Wall Street Journal (the "WSJ Prime"), plus a margin based on the amount of the line. On 12/15/25, the WSJ Prime Rate was 6.75% resulting in the following APRs: $10,000 - $99,999.99: 7.50% (Prime + 0.75%), $100,000 - $249,999.99: 7.25% (Prime + .50%), $250,000-$500,000: 7.00% (Prime + .25%), $500,000+: 6.75% (Prime + .00% or floor rate, whichever is greater). The APR may vary based on the use of auto-debit. The minimum APR is 3.99% (floor rate) & the maximum APR is 20.00%. Rates will change on the 1st day of the statement cycle following a Prime Rate change. Interest only minimum payments required during the Draw Period. During the "Repayment Period", the remaining 20 years, the APR is a variable rate based on the WSJ Prime + the margin in effect at closing with floor of 3.99%. Subsequent changes will occur on the 1st day of the statement cycle following a Prime Rate change. The minimum APR is 3.99% (floor rate) & the maximum APR is 20.00%. During the Repayment Period, monthly principal & interest payments will be required to fully amortize the loan. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.59%

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.

Financial Health History

Libertyville Bank & Trust Company’s Texas Ratio stayed near 3.87% in Q3 2023 to 3.59% 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.

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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$3.3B	3.59%	5.0	A+
March 31, 2026	$3.2B	3.73%	5.0	A+
December 31, 2025	$3.1B	4.40%	5.0	A+
September 30, 2025	$3.1B	2.65%	5.0	A+
June 30, 2025	$3.0B	4.56%	5.0	A+
March 31, 2025	$2.8B	5.25%	5.0	A+
December 31, 2024	$2.7B	4.47%	5.0	A+
September 30, 2024	$2.7B	3.98%	5.0	A+
June 30, 2024	$2.7B	1.51%	5.0	A+
March 31, 2024	$2.6B	0.97%	5.0	A+
December 31, 2023	$2.6B	0.94%	5.0	A+
September 30, 2023	$2.6B	3.87%	5.0	A+

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 Libertyville Bank & Trust Company 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 Libertyville Bank & Trust Company 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 Libertyville Bank & Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Libertyville Bank & Trust Company

Bank Holding Company WINTRUST FINANCIAL CORP

Address 507 N Milwaukee Ave, Libertyville, IL 60048 · Lake

Website https://www.libertyvillebank.com

FDIC Certificate # 34073

Established 19951010

FDIC Insurance Date 19951010

Domestic Offices 8

Total Branches 8

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.59%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4990%

Return on Equity (ROE) 16.7500%

Non-Performing Loans (NPL) 0.29%

Total Assets $3,338,776,000

Total Deposits $2,855,371,000

Equity Capital $283,947,000

Net Income $24,056,000

Headquarters Libertyville

Total Branches and Offices 8

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Libertyville Bank & Trust Company earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Libertyville Bank & Trust Company

How many branches does Libertyville Bank & Trust Company operate?

Libertyville Bank & Trust Company currently maintains approximately 8 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, Libertyville Bank & Trust Company 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, Libertyville Bank & Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does Libertyville Bank & Trust Company offer online and mobile banking?

Most modern institutions like Libertyville Bank & Trust Company 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.libertyvillebank.com.