The Clay City Banking Co. CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 3.03%, 6-month CD rates at 4.23% and 3-month CD rates at 5.00%. Current savings rates are at 0.15% and money market rates are at 0.25%. Mortgage rates today on 30-year fixed loans are around 6.41%. Credit Card rates are at 29.24%. Personal Loan rates are at 10.00%. All these rates, and more, can be found in our database of rates. The Clay City Banking Co.'s 6-Month CD rates are at 4.58%, 12-Month CD rates are at 4.42%, 3-Month CD rates are at 4.06%, 18-Month CD rates are at 3.80%, 24-Month CD rates are at 3.65%. The Clay City Banking Co.'s savings rates are at 0.60%. The Clay City Banking Co.'s money market rates are at 1.21%.

The Clay City Banking Co.

To see how these rates compare to The Clay City Banking Co. CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from The Clay City Banking Co., 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 The Clay City Banking Co. CD rates. You can also compare The Clay City Banking Co. savings rates, MMA rates and mortgage rates using our other rate lists.

The Clay City Banking 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 The Clay City Banking Co.? Share your experience about The Clay City Banking Co. by leaving a review below, or read customer reviews before you decide to use The Clay City Banking Co..

The Clay City Banking Co. Texas Ratio

The Clay City Banking Co.'s Texas Ratio is at 3.56%, which is considered excellent. The Texas Ratio for The Clay City Banking Co. is lower than the national average of all banks, currently at 6.24%. 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, The Clay City Banking Co. 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
4.42%
18-Month CD
3.80%
24-Month CD
3.65%
36-Month CD
N/A
48-Month CD
3.55%
60-Month CD
3.55%
Savings
0.60%
MMA
1.21%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
The Clay City Banking Co.
331 S Main St
Clay City, IL 62824
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

The Clay City Banking Co. CD Rates and Interest Rates

Bank
Product
APY
Min Dep
The Clay City Banking Co.
The Clay City Banking Co.
6-Month CD
4.58%
$1,000
The Clay City Banking Co.
The Clay City Banking Co.
12-Month CD
4.42%
$1,000
The Clay City Banking Co.
The Clay City Banking Co.
3-Month CD
4.06%
$1,000
The Clay City Banking Co.
The Clay City Banking Co.
18-Month CD
3.80%
$1,000
The Clay City Banking Co.
The Clay City Banking Co.
24-Month CD
3.65%
$1,000
The Clay City Banking Co.
The Clay City Banking Co.
60-Month CD
3.55%
$1,000
The Clay City Banking Co.
The Clay City Banking Co.
48-Month CD
3.55%
$1,000
The Clay City Banking Co.
The Clay City Banking Co.
Money Market Deposit Account
1.21%
$0
The Clay City Banking Co.
The Clay City Banking Co.
Savings Account
0.60%
$0
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.

Compare The Clay City Banking Co. Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
First Federal S&L Pascagoula, MS
First Federal S&L Pascagoula, MS
Legacy Checking Account
6.00%
$25
Vanguard
Vanguard
6-Month CD brokered
5.35%
$1,000
Citizens Bank New Haven, MO
Citizens Bank New Haven, MO
6-Month CD special
5.25%
$1,000
Customers Bank
Customers Bank
Yield Shield Savings Account
5.14%
$25,000
Barclays Bank
Barclays Bank
Online Savings Account
4.35%
$0
First Southern Bank Florence, AL
First Southern Bank Florence, AL
20-Month CD special
4.25%
$10,000
Freedom Bank of Southern Missouri
Freedom Bank of Southern Missouri
6-Month CD
4.11%
$1,000
Vidalia Federal Savings Bank
Vidalia Federal Savings Bank
24-Month CD
4.08%
$2,500
First Command Bank
First Command Bank
18-Month CD
4.00%
$1,000
PSB Indianola, IA
PSB Indianola, IA
Kasasa Cash Checking
4.00%
$100
RBAZ Republic Bank of Arizona
3-Month CD
3.99%
$1,000
Haverhill Bank
Haverhill Bank
24-Month CD
3.75%
$500
Spring Bank Bronx, NY
Spring Bank Bronx, NY
3-Month CD
3.75%
$250
1st Bergen Federal Credit Union
1st Bergen Federal Credit Union
36-Month CD certificate
3.50%
$250
FSB of Randolph County
FSB of Randolph County
36-Month CD
3.40%
$500
First United Bank Park River, ND
First United Bank Park River, ND
31-Month CD special
3.36%
$500
Northwoods Bank of Minnesota
Northwoods Bank of Minnesota
11-Month CD special
3.05%
$1,000
FNB of Hereford
FNB of Hereford
Real Saver Account
3.03%
$1
St. Ansgar State Bank
St. Ansgar State Bank
12-Month CD
3.00%
$1,000
Cleveland State Bank
Cleveland State Bank
48-Month CD
2.77%
$500
Zions Bank
Zions Bank
24-Month CD
2.53%
$1,000
cfsbank
cfsbank
12-Month CD
2.52%
$1,000
Jonah Bank of Wyoming
Jonah Bank of Wyoming
3-Month CD
2.02%
$500
First Federal Bank of Kansas City
First Federal Bank of Kansas City
6-Month CD
2.01%
$1,000
First Citizens State Bank
First Citizens State Bank
12-Month CD
1.50%
$1,000
Monroe Savings Bank
Monroe Savings Bank
18-Month CD
1.50%
$500
HomeBank
12-Month CD
1.26%
$2,500
Bank of Herrin
Bank of Herrin
18-Month CD
1.21%
$1,000
FNB of River Falls
FNB of River Falls
Personal Tiered Money Market
1.20%
$250,000
FSB Mcpherson, KS
FSB Mcpherson, KS
Pinnacle Money Market
1.11%
$250,000
First State Bank and Trust Bayport, MN
First State Bank and Trust Bayport, MN
36-Month CD
1.00%
$1,000
First State Bank and Trust Bayport, MN
First State Bank and Trust Bayport, MN
24-Month CD
0.75%
$1,000
First State Bank and Trust Bayport, MN
First State Bank and Trust Bayport, MN
18-Month CD
0.50%
$1,000
First State Bank and Trust Bayport, MN
First State Bank and Trust Bayport, MN
12-Month CD
0.50%
$1,000
Wayne Savings Community Bank
Wayne Savings Community Bank
36-Month CD
0.50%
$1,000
Vibrant Credit Union
Vibrant Credit Union
36-Month CD certificate
0.50%
$5
Rolette State Bank
Rolette State Bank
Passbook Savings
0.35%
$100
Community Bank Topeka, KS
Community Bank Topeka, KS
18-Month CD
0.25%
$1,000
Conneaut Savings Bank
Conneaut Savings Bank
18-Month CD relationship bonus
0.25%
$1,000
Peoples Bank Coldwater, KS
Peoples Bank Coldwater, KS
Passbook Savings
0.25%
$50
Embassy Bank for the Lehigh Valley
Embassy Bank for the Lehigh Valley
36-Month CD
0.25%
$500
Peoples Savings Bank Urbana OH
Peoples Savings Bank Urbana OH
Statement Savings
0.20%
$100
Somerset Trust Company
Somerset Trust Company
12-Month CD
0.20%
$500
Farmers and Merchants Bank Milford, NE
Farmers and Merchants Bank Milford, NE
Savings Account
0.10%
$0
F&M State Bank Winterset, IA
F&M State Bank Winterset, IA
F&M Classic Plus Checking
0.10%
$1,500
First Financial of Maryland FCU
First Financial of Maryland FCU
Share Savings
0.10%
$5
Bank of Cadiz and Trust Company
Bank of Cadiz and Trust Company
Christmas Club Account
0.05%
$100
Crystal Lake Bank and Trust Co., N.A
Crystal Lake Bank and Trust Co., N.A
18-Month CD
0.05%
$1,000
Norway Savings Bank
Norway Savings Bank
Basic Savings
0.03%
$25
NCF Savings Bank
NCF Savings Bank
Statement Savings
0.02%
$0
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 April 17, 2024

Lender
Product
Rate
APR
Points
10 Year Fixed
6.750%
0.000%
0.000
15 Year Fixed
7.000%
0.000%
0.000
20 Year Fixed
7.500%
0.000%
0.000
5.250%
0.000%
0.000
4.500%
4.666%
0.000
4.650%
4.766%
0.000
4.990%
5.287%
0.500
5.000%
5.363%
2.000
5.500%
5.570%
0.000
5.500%
5.614%
0.000
10-Year Power Rate Fixed
5.954%
5.625%
0.000
15-Year Fixed
5.625%
5.681%
0.000
5.500%
5.716%
0.500
15-Year Power Rate Fixed
5.974%
5.750%
0.000
5.625%
5.777%
0.500
5.500%
5.820%
0.000
5.750%
5.834%
0.000
15-Year Fixed
5.625%
5.877%
0.975
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
10-Year Fixed (LTV 90% or less)
5.675%
5.894%
0.000
5.625%
5.909%
1.000
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.

The Clay City Banking Co. Information

The Clay City Banking Co.
331 S Main St
Clay City, IL 62824
Clay
Established Date: 07/05/1892
FDIC Certificate #: 10845
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: CLAY CITY BANK SHARES INC
How Many Domestic U.S. Offices? 4
How Many Branches are There? 4
Is The Clay City Banking Co. FDIC Insured? Yes
What is The Clay City Banking Co.'s Cert number? 10845
What is the maximum amount for insured deposits? $250,000 per holder, per account

The Clay City Banking Co. Financials

Total Assets:
$216,709,000
Total Deposits:
$199,857,000
Equity Capital:
$15,683,000
Domestic Deposits:
$199,857,000
Net Income:
$417,000
Return on Assets:
1.3045%
Quarterly Return on Assets:
0.7800%
Pretax Return on Assets:
1.0201%
Pretax Quarterly Return on Assets:
1.0200%
Return on Equity:
17.0500%
Quarterly Return on Equity:
10.8600%
Common Equity Tier 1 Capital Ratio:
13.5739%
Tier 1 Risk-Based Capital Ratio:
13.5739%
Leverage Tier 1 (Core Capital) Ratio:
9.0871%
Total Risk-Based Capital Ratio (YTD):
14.3191%
Total Interest Income (YTD):
3.7030%
 
 
Headquarters:
Clay City
FDIC Field Office:
Mount Vernon
Regulator:
FDIC
County:
Clay
# of Offices:
4
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC

Explore Other Rate Deals

mortgage-rates-average-mortgage-interest-rates-mixedMortgage rates were mixed in the latest survey released this week by a mortgage industry association. Current mortgage interest rates have been treading higher the past couple of weeks on the belief that the economy's contraction this quarter won't be as severe as once thought.
Future Direction of Mortgage RatesFor the past decade, since the Financial Crisis and Great Recession, mortgage rates have been at or near historical lows. Fixed long term mortgage rates started moving higher in 2018 as economic growth picked up and long term bond yields moved higher. 30-year mortgage rates were nearing 5.00 percent and 15-year mortgage rates were around 4.30 percent.
Mortgage rates started 2014 on the downside, which caught many analysts off guard since the general consensus was mortgage rates would follow bond rates higher as a result of the Federal Reserve's policies. For many years now, the Federal Reserve's polices have been designed to suppress mortgage rates and bond rates to help the housing market recover, help the economy grow, and lower the unemployment rate.

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The Clay City Banking Co. Reviews

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