State Bank of the Lakes CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 4.15%, 6-month CD rates at 2.26% and 3-month CD rates at 1.00%. Current savings rates are at 0.45% and money market rates are at 0.35%. Mortgage rates today on 30-year fixed loans are around 6.94%. Credit Card rates are at 16.24%. Personal Loan rates are at 11.24%. All these rates, and more, can be found in our database of rates. State Bank of the Lakes's 18-Month CD rates are at 0.50%, 12-Month CD rates are at 0.50%. State Bank of the Lakes's savings rates are at 0.02%. State Bank of the Lakes's money market rates are at 0.50%.

State Bank of the Lakes

To see how these rates compare to State Bank of the Lakes CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from State Bank of the Lakes, 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 State Bank of the Lakes CD rates. You can also compare State Bank of the Lakes savings rates, MMA rates and mortgage rates using our other rate lists.

State Bank of the Lakes 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 State Bank of the Lakes? Share your experience about State Bank of the Lakes by leaving a review below, or read customer reviews before you decide to use State Bank of the Lakes.

State Bank of the Lakes Texas Ratio

State Bank of the Lakes's Texas Ratio is at 7.15%, which is considered excellent. The Texas Ratio for State Bank of the Lakes 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, State Bank of the Lakes 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
0.50%
18-Month CD
0.50%
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
0.02%
MMA
0.50%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
State Bank of the Lakes
440 Lake St
Antioch, IL 60002
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

State Bank of the Lakes CD Rates and Interest Rates

Bank
Product
APY
Min Dep
State Bank of the Lakes
State Bank of the Lakes
Money Market
0.50%
$50,000
State Bank of the Lakes
State Bank of the Lakes
12-Month CD
0.50%
$1,000
State Bank of the Lakes
State Bank of the Lakes
18-Month CD
0.50%
$1,000
State Bank of the Lakes
State Bank of the Lakes
Savings Account
0.02%
$0

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.

Compare State Bank of the Lakes Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
State Bank of India US
State Bank of India US
12-Month CD
4.37%
$1,000
Frontier State Bank
Frontier State Bank
6-Month CD
4.35%
$1,000
Advantage Plus Federal Credit Union
Advantage Plus Federal Credit Union
24-Month CD
4.00%
$1,000
Old Exchange Bank of Okawville
Old Exchange Bank of Okawville
12-Month CD
3.94%
$1,000
FNB of Waterloo
FNB of Waterloo
12-Month CD
3.91%
$1,000
Main Bank
Main Bank
6-Month CD
3.90%
$1,000
Farmers and Drovers Bank
Farmers and Drovers Bank
60-Month CD
3.85%
$500
Riverland Bank
Riverland Bank
48-Month CD
3.80%
$1,000
The Citizens Bank of Weston
The Citizens Bank of Weston
48-Month CD
3.80%
$500
First Southwest Bank
First Southwest Bank
12-Month CD
3.75%
$1,000
Vystar Credit Union
Vystar Credit Union
24-Month CD
3.70%
$500
First Jackson Bank
First Jackson Bank
36-Month CD
3.50%
$1,000
Mechanics Cooperative Bank
Mechanics Cooperative Bank
60-Month CD
3.40%
$500
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
48-Month CD
3.30%
$100
Savings Bank of Walpole
Savings Bank of Walpole
12-Month CD
3.25%
$500
State Bank Spirit Lake, IA
State Bank Spirit Lake, IA
60-Month CD
3.03%
$1,000
Charles River Bank
Charles River Bank
30-Month CD
3.00%
$1,000
Ladysmith Federal S&L
Christmas Club Savings
2.75%
$0
Financial Partners CU
Financial Partners CU
30-Month CD
2.75%
$1,000
BankVista
BankVista
48-Month CD
2.75%
$1,000
Badger Bank
Badger Bank
12-Month CD
2.74%
$1,000
Harvest Bank
Harvest Bank
24-Month CD
2.60%
$1,000
State Bank & Trust Company
State Bank & Trust Company
60-Month CD
2.52%
$1,000
Gateway Bank Mendota Heights, MN
Gateway Bank Mendota Heights, MN
18-Month CD
2.40%
$1,000
1st Mississippi Federal Credit Union
1st Mississippi Federal Credit Union
60-Month CD
2.27%
$500
American Bank and Trust Company, N.A.
American Bank and Trust Company, N.A.
24-Month CD
2.11%
$500
Home Bank of California
Home Bank of California
36-Month CD
2.08%
$2,500
Clay County Savings Bank
Clay County Savings Bank
60-Month CD
1.84%
$500
Connex Credit Union
Connex Credit Union
60-Month CD
1.80%
$500
Hyperion Bank
Hyperion Bank
36-Month CD
1.75%
$500
Peoples Bank of Kentucky
Peoples Bank of Kentucky
18-Month CD
1.50%
$1,000
Lisle Savings Bank
Lisle Savings Bank
E-Savings
1.25%
$50,000
USAA Federal Savings Bank
USAA Federal Savings Bank
48-Month CD
1.25%
$1,000
FirstOak Bank
FirstOak Bank
48-Month CD
0.95%
$500
First Federal S&L of Central Illinois, S.B.
First Federal S&L of Central Illinois, S.B.
Health Savings
0.75%
$0
Premier Bank
Premier Bank
24-Month CD
0.70%
$500
Mutual Federal Bank
Mutual Federal Bank
24-Month CD
0.65%
$500
First Federal Community Bank N.A.
First Federal Community Bank N.A.
36-Month CD
0.60%
$500
Ballston Spa National Bank
Ballston Spa National Bank
Diamond Money Market
0.60%
$50,000
Bank of Prairie du Sac
Bank of Prairie du Sac
Money Market
0.50%
$2,500
The Wilmington Savings Bank
The Wilmington Savings Bank
36-Month CD
0.50%
$500
Pennsville National Bank
Pennsville National Bank
48-Month CD
0.40%
$500
Mercer Savings Bank
Mercer Savings Bank
36-Month CD
0.30%
$100
Pataskala Banking Company
Pataskala Banking Company
36-Month CD
0.30%
$500
ESB Bank
ESB Bank
Statement Savings
0.30%
$0
USB Union Savings Bank
USB Union Savings Bank
12-Month CD
0.25%
$1,000
TSB Bank
TSB Bank
Statement Savings
0.20%
$0
Androscoggin Savings Bank
Androscoggin Savings Bank
Companion Savings
0.05%
$25
Bank Five Nine
Bank Five Nine
Statement Savings
0.04%
$50
Chelsea Groton Bank
Chelsea Groton Bank
Checking
0.01%
$25
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 June 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
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.494%
0.000
4.750%
5.507%
0.000
5.375%
5.525%
0.750
5.000%
5.531%
0.000
5.250%
5.545%
1.000
5.500%
5.569%
0.000
5.500%
5.614%
0.000
5.250%
5.629%
2.000
5.500%
5.637%
0.000
5.625%
5.693%
0.000
5.500%
5.728%
1.125
30-Year Fixed
5.560%
5.730%
0.000
5.500%
5.759%
0.000
15-Year Fixed Jumbo
5.750%
5.776%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.250%
5.791%
2.000
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.

State Bank of the Lakes Information

State Bank of the Lakes
440 Lake St
Antioch, IL 60002
Lake
Established Date: 01/01/1926
FDIC Certificate #: 5744
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: WINTRUST FINANCIAL CORP
How Many Domestic U.S. Offices? 9
How Many Branches are There? 9
Is State Bank of the Lakes FDIC Insured? Yes
What is State Bank of the Lakes's Cert number? 5744
What is the maximum amount for insured deposits? $250,000 per holder, per account

State Bank of the Lakes Financials

Total Assets:
$1,984,766,000
Total Deposits:
$1,656,553,000
Equity Capital:
$231,037,000
Domestic Deposits:
$1,656,553,000
Net Income:
$7,891,000
Return on Assets:
1.6147%
Quarterly Return on Assets:
1.6100%
Pretax Return on Assets:
2.1615%
Pretax Quarterly Return on Assets:
2.1600%
Return on Equity:
14.3500%
Quarterly Return on Equity:
13.5500%
Common Equity Tier 1 Capital Ratio:
10.9854%
Tier 1 Risk-Based Capital Ratio:
10.9854%
Leverage Tier 1 (Core Capital) Ratio:
9.5028%
Total Risk-Based Capital Ratio (YTD):
11.4096%
Total Interest Income (YTD):
5.4390%
 
 
Headquarters:
Antioch
FDIC Field Office:
Chicago
Regulator:
OCC
County:
Lake
# of Offices:
9
Metropolitan Statistical Area (MSA):
Chicago-Naperville-Elgin, IL-IN-WI
Consolidated Metropolitan Statistical Area (CMSA):
Chicago-Gary-Kenosha, IL-IN-WI
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC Last Updated 03/31/2024

Explore Other Rate Deals

30-year-mortgage-rates-decrease-to-495-15-year-rates-at-43330 year mortgage rates were down in the latest mortgage survey released this morning. 30 year fixed mortgage rates averaged 4.95 percent for the week ending March 11, 2010 in the today's Primary Mortgage Market Survey released by Freddie Mac. Average mortgage discount points on 30 year mortgages remained the same at 0.7 points.
For several years now, the average online bank deposit interest rate has been higher than the average traditional brick and mortar bank interest rate. In fact, this month the top 10 deposit rates listed in our database are all offered by online banks. Banks that do not have branches have lower overhead, which is how they can offer higher savings rates and money market rates.
Elkhorn Valley Bank and Trust, headquartered in Norfolk, Nebraska, is advertising some of the highest savings rates and money market account rates currently available in Nebraska or anywhere else in the United States. Elkhorn Valley Bank and Trust advertised interest rates include the bank's little Eagle Savings rate, a Passbook Savings rate, an IRA Variable Rate account and a money market account with tiered interest rates.

Bank or Credit Union Offers and Deals

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Best Low Interest Balance Transfer Credit Cards and Credit Card Rates
Fixed Term Rate Mortgages and Adjustable Rate Mortgages Lower
EverBank Money Market Account Rates now at 0.61%
Current Mortgage Rates are Driving an Upturn in Housing
Home Buyer Tax Credit Ends April 30, 2010

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