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Advertiser Disclosure
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Spring Valley City Bank Rates & Review May 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: May 21, 2026
Spring Valley City Bank's 24-Month CD/IRA rates are at 3.41%, 1 Year CD/IRA rates are at 3.30%, 60-Month CD/IRA rates are at 3.30%, 182 Day CD/IRA rates are at 3.17%, 18-Month IRA (Variable Rate) rates are at 0.65%. Spring Valley City Bank's savings rates are at 0.10%. Spring Valley City Bank's money market rates are at 0.00%. MonitorBankRates evaluates the financial stability of Spring Valley City Bank with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.12%. Rates were last updated on 05/21/2026. Spring Valley City Bank 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 Spring Valley City Bank? Share your experience about Spring Valley City Bank by leaving a review below, or read customer reviews before you decide to use Spring Valley City Bank. 
Spring Valley City Bank CD Rates
Spring Valley City Bank Savings Rates
Spring Valley City Bank Money Market Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Spring Valley City Bank 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 Spring Valley City Bank 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 Spring Valley City Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Spring Valley City Bank
Bank Holding Company
SPRING VALLEY BCORP INC
Address
315 N Cornelia St,
Spring Valley, IL 61362 · Bureau
Website
https://www.svcb.com
FDIC Certificate #
12087
Established
11/01/1905
FDIC Insurance Date
01/01/1934
Domestic Offices
2
Total Branches
2
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA-
Overall Health Grade
Score: 91/100
4.9
Exceptional
Out of 5.0 Stars
16.12%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.2528%
Return on Equity (ROE)
2.4700%
Non-Performing Loans (NPL)
1.62%
Total Assets
$214,142,000
Total Deposits
$183,218,000
Equity Capital
$26,062,000
Net Income
$1,238,000
Headquarters
Spring Valley
Total Offices
2
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Add Your Rating and Review for Spring Valley City Bank
Frequently Asked Questions About Spring Valley City BankHow many branches does Spring Valley City Bank operate?Spring Valley City Bank 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, Spring Valley City Bank 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, Spring Valley City Bank provides members with tools to manage their accounts and build a solid financial history. Does Spring Valley City Bank offer online and mobile banking?Most modern institutions like Spring Valley City Bank 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.svcb.com. Current Spring Valley City Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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