WCB West Central Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 5.10%, 6-month CD rates at 0.05% and 3-month CD rates at 3.00%. Current savings rates are at 0.15% and money market rates are at 1.50%. Mortgage rates today on 30-year fixed loans are around 7.14%. Credit Card rates are at 13.50%. Personal Loan rates are at 9.99%. All these rates, and more, can be found in our database of rates. WCB West Central Bank's 12-Month CD new money rates are at 4.58%, 6-Month CD rates are at 4.32%, 3-Month CD rates are at 4.06%, 60-Month CD rates are at 2.52%, 48-Month CD rates are at 2.47%. WCB West Central Bank's savings rates are at 0.40%. WCB West Central Bank's money market rates are at 1.00%.

WCB West Central Bank

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

WCB West Central 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 WCB West Central Bank? Share your experience about WCB West Central Bank by leaving a review below, or read customer reviews before you decide to use WCB West Central Bank.

WCB West Central Bank Texas Ratio

WCB West Central Bank's Texas Ratio is at 14.07%, which is considered excellent. The Texas Ratio for WCB West Central Bank is higher 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, WCB West Central Bank is a good bank worth considering, with an overall rating of 3 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
4.58%
18-Month CD
N/A
24-Month CD
2.32%
36-Month CD
2.42%
48-Month CD
2.47%
60-Month CD
2.52%
Savings
0.40%
MMA
1.00%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
WCB West Central Bank
400 E Buchanan St
Ashland, IL 62612
Member FDIC
MonitorBankRates' Rating
3/5
★★★☆☆

WCB West Central Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
WCB West Central Bank
WCB West Central Bank
12-Month CD new money
4.58%
$10,000
WCB West Central Bank
WCB West Central Bank
6-Month CD
4.32%
$1,000
WCB West Central Bank
WCB West Central Bank
3-Month CD
4.06%
$1,000
WCB West Central Bank
WCB West Central Bank
60-Month CD
2.52%
$1,000
WCB West Central Bank
WCB West Central Bank
48-Month CD
2.47%
$1,000
WCB West Central Bank
WCB West Central Bank
36-Month CD
2.42%
$1,000
WCB West Central Bank
WCB West Central Bank
30-Month CD Flex
2.37%
$1,000
WCB West Central Bank
WCB West Central Bank
24-Month CD
2.32%
$1,000
WCB West Central Bank
WCB West Central Bank
15-Month CD Flex
2.27%
$1,000
WCB West Central Bank
WCB West Central Bank
Platinum Money Market Tier 3
1.00%
$50,000
WCB West Central Bank
WCB West Central Bank
Savings Account
0.40%
$100
WCB West Central Bank
WCB West Central Bank
NOW Checking
0.35%
$1,000
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 WCB West Central Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Bank Five Nine
Bank Five Nine
15-Month CD special new money
5.40%
$2,500
OWB One World Bank
OWB One World Bank
12-Month Jumbo CD
5.15%
$100,000
Northeast Bank Portland, ME
Northeast Bank Portland, ME
12-Month CD
5.00%
$5,000
S&T Bank
S&T Bank
6-Month CD
5.00%
$500
First US Bank (AL)
First US Bank (AL)
8-Month CD Special
4.94%
$500
Cattaraugus County Bank
Cattaraugus County Bank
12-Month CD Jumbo special
4.75%
$100,000
Oak View National Bank
Oak View National Bank
6-Month CD special
4.75%
$1,000
Farm Bureau Bank FSB
Farm Bureau Bank FSB
12-Month IntraFi (CDARS)
4.70%
$250,000
F & C Bank
F & C Bank
9-Month CD special
4.46%
$10,000
Guardian Savings Bank
Guardian Savings Bank
12-Month CD
4.25%
$1,000
Atkins Savings B&T
Atkins Savings B&T
24-Month CD Adjust-A-Rate
4.04%
$1,000
Communitywide Federal Credit Union
Communitywide Federal Credit Union
60-Month CD
4.00%
$1,000
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
12-Month CD
4.00%
$500
Massena Savings and Loan
Massena Savings and Loan
60-Month CD
3.86%
$100
Avidia Bank
Avidia Bank
60-Month CD
3.82%
$1,000
Pentagon Federal Credit Union
Pentagon Federal Credit Union
36-Month CD (Certificate)
3.60%
$1,000
QNB Bank
QNB Bank
18-Month CD
3.50%
$500
T Bank
T Bank
24-Month CD
3.35%
$1,000
Farmers Insurance Federal Credit Union
Farmers Insurance Federal Credit Union
6-Month CD certificate
3.30%
$1,000
Phoenixville Federal B&T
36-Month CD
3.30%
$500
First National Bank in Marlow
First National Bank in Marlow
12-Month CD
3.20%
$500
New Peoples Bank
New Peoples Bank
48-Month CD
3.10%
$0
1st Northern California Credit Union
1st Northern California Credit Union
12-Month CD share certificate
2.63%
$1,000
cfsbank
cfsbank
12-Month CD
2.52%
$1,000
Federated Bank Onarga, IL
Federated Bank Onarga, IL
60-Month CD
2.06%
$1,000
Dundee Bank
Dundee Bank
24-Month CD
2.00%
$500
Hyperion Bank
Hyperion Bank
30-Month CD
2.00%
$500
American Bank
American Bank
36-Month CD
1.50%
$500
MountainOne Bank
MountainOne Bank
18-Month CD
1.35%
$1,000
Ultima Bank Minnesota
Ultima Bank Minnesota
3-Month CD
1.25%
$1,000
Forte Bank
Forte Bank
12-Month CD
1.00%
$1,000
Hingham Institution for Savings
Hingham Institution for Savings
48-Month CD
1.00%
$1,000
Murray Bank
Murray Bank
48-Month CD
1.00%
$1,000
First National B&T Co. of Bottineau
First National B&T Co. of Bottineau
Money Market
0.75%
$2,500
Catskill Hudson Bank
Catskill Hudson Bank
48-Month CD
0.70%
$500
Bank of 1889
Bank of 1889
12-Month CD
0.50%
$500
Iowa Falls State Bank
Iowa Falls State Bank
Premium Checking Account
0.50%
$1,000
Bank of Lake Mills
Bank of Lake Mills
18-Month CD
0.45%
$500
Grand Rapids SB
Grand Rapids SB
30-Month CD
0.40%
$1,000
Chemung Canal Trust Company
Chemung Canal Trust Company
12-Month CD
0.20%
$1,000
Mvsb
Everyday Money Market
0.15%
$1,000
Farmers Bank of Appomattox
Farmers Bank of Appomattox
Statement Savings
0.10%
$100
FNB of Absecon
FNB of Absecon
12-Month CD
0.10%
$0
Southwest Missouri Bank
Southwest Missouri Bank
Regular Savings
0.10%
$100
Greenville Federal
Greenville Federal
Savings Account
0.05%
$10
Wells River Savings Bank
Wells River Savings Bank
Money Market
0.05%
$2,500
Busey Bank
Busey Bank
24-Month CD
0.05%
$1,000
Haverhill Bank
Haverhill Bank
Savings Account
0.05%
$10
Citizens State Bank Hudson, WI
Citizens State Bank Hudson, WI
Premium Interest Checking
0.04%
$0
Fifth Third Bank, N.A.
Fifth Third Bank, N.A.
48-Month CD
0.01%
$500
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 22, 2024

Lender
Product
Rate
APR
Points
4.500%
4.666%
0.000
4.650%
4.766%
0.000
4.990%
5.287%
0.500
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
5.500%
5.868%
2.000
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
5.750%
5.946%
0.250
5.875%
5.958%
0.000
5.875%
5.958%
0.000
5-Year ARM (LTV 80% or less)
6.250%
5.963%
0.000
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.

WCB West Central Bank Information

WCB West Central Bank
400 E Buchanan St
Ashland, IL 62612
Cass
Established Date: 06/12/1933
FDIC Certificate #: 10853
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: WEST CENTRAL BANCSHARES INC
How Many Domestic U.S. Offices? 6
How Many Branches are There? 6
Is WCB West Central Bank FDIC Insured? Yes
What is WCB West Central Bank's Cert number? 10853
What is the maximum amount for insured deposits? $250,000 per holder, per account

WCB West Central Bank Financials

Total Assets:
$222,635,000
Total Deposits:
$192,698,000
Equity Capital:
$15,613,000
Domestic Deposits:
$192,698,000
Net Income:
$748,000
Return on Assets:
0.9557%
Quarterly Return on Assets:
1.2900%
Pretax Return on Assets:
1.2906%
Pretax Quarterly Return on Assets:
1.2900%
Return on Equity:
12.5600%
Quarterly Return on Equity:
19.6300%
Leverage Tier 1 (Core Capital) Ratio:
9.6708%
Total Interest Income (YTD):
3.6407%
 
 
Headquarters:
Ashland
FDIC Field Office:
Springfield Il
Regulator:
FDIC
County:
Cass
# of Offices:
6
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC

Explore Other Rate Deals

The Federal Reserve is considering ways to cut back on their buying mortgage-backed securities and long term U.S. bonds without sending interest rates higher and hurting the economy.  As a result, U.S. banks are warning they will start charging depositors if the Federal Reserve cuts the interest rate they give banks.
CD rates continue to slowly decline and there isn't any positive news to drive CD rates higher for the foreseeable future. In the FOMC's most recent statement on monetary policy released on August 10, 2010, the Fed said "the pace of recovery in output and employment has slowed in recent months".

Bank or Credit Union Offers and Deals

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