What are the current interest rates at Wintrust Bank?

Current rates for Wintrust Bank include: 12-Month CD: 4.00%, Savings: 2.00%

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Wintrust Bank Rates & Review October 2026

Q: How many branches does Wintrust Bank operate?

Wintrust Bank currently maintains approximately 38 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Wintrust 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Wintrust Bank 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: October 10, 2026

Wintrust Bank's top rates as of October 10, 2026 are 4.00% APY on its 13-Month CD Special, and 2.00% APY on savings, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Wintrust Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.24%. Rates last updated and verified on 10/10/2026.

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

Verified Healthy Q2 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

3.24%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Wintrust Bank, National Association

231 S La Salle St
Chicago, IL 60604

https://www.wintrustbank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Wintrust Bank CD Rates

Product	Rate	APY	Term	View More
13-Month CD Special	-	4.00%	13-Month
Min Deposit $1,000 Min Balance $0 Details 13-Month CD Special; New money only; At maturity, CD Specials automatically renew into a CD with a different term at our standard interest rate and APY in effect on the maturity date, as stated in your Truth in Savings disclosure provided at account opening. Renewals are not subject to a promotional special rate, unless the bank has notified you otherwise. Early withdrawal penalties apply. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Wintrust Bank Savings Rates

Product	Rate	APY
Statement Savings Advanced Special	-	2.00%
Min Balance $0 Details Qualifications Required: Open new Statement Savings Advanced account; mention offer during in-branch account opening or visit URL provided; deposit new money (money not currently held at any WTFC location) into the new Statement Savings Advanced account at account opening.; Statement Savings Advanced Special; With qualifying activities. Variable rate. $200 daily balance to avoid a $5 monthly maintenance fee. New money only. Offer subject to change at any time & without notice. Annual Percentage Yield ('APY') accurate as of 9/6/24, with qualifying activities. Minimum daily balance of $0.01 required to obtain APY. Offer available to existing or closed savings account customers of WTFC & its subsidiaries or employees. Offer combinable with any WTFC checking offer, but not with a Statement Savings deposit bonus offer. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Statement Savings Advanced Special	-	2.00%
Min Balance $200 Details Qualifications Required: Qualifying activities; Statement Savings Advanced Special; Variable rate; Digital access; New money only; Offer subject to change at any time & without notice. Annual Percentage Yield ('APY') accurate as of 2/27/26, with qualifying activities. APY not available at all locations. Minimum daily balance of $0.01 required to obtain APY. Offer available to existing or closed savings account customers of Wintrust Financial Corporation & its subsidiaries or employees. Offer combinable with any Wintrust Financial Corporation checking offer, but not with a Statement Savings deposit bonus offer. May not be available at all locations. Statement Savings Advanced Account. Interest rate may change at any time. Fees may reduce earnings. Digital Banking Services. Online or mobile banking required to access Zelle. Internet/mobile connectivity required. Third-party message/data rates & other restrictions may apply. For more information go to wintrust.com/agreement-and-disclosure . New Money. Money not currently held at any Wintrust Financial Corporation location. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Wintrust Bank Home Equity & HELOC

Product	Rate	Points	APR
Home Equity HELOC	-	-	7.00%
Details Amount: $500,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Home Equity Line of Credit	-	-	7.00%
Details Amount: $500,000+ Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Home Equity HELOC	-	-	7.25%
Details Amount: $250,000 - $499,999 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Home Equity Line of Credit	-	-	7.25%
Details Amount: $250,000 - $499,999 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Home Equity HELOC	-	-	7.50%
Details Amount: $100,000 - $249,999 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Home Equity Line of Credit	-	-	7.50%
Details Amount: $100,000 - $249,999 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Home Equity HELOC	-	-	7.75%
Details Amount: $10,000 - $99,999 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Home Equity Line of Credit	-	-	7.75%
Details Amount: $10,000 - $99,999 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

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

Wintrust Bank’s Texas Ratio rose from 2.24% in Q3 2023 to 3.24% 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; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$9.6B	3.24%	5.0	A+
March 31, 2026	$9.3B	3.28%	5.0	A+
December 31, 2025	$9.6B	3.74%	5.0	A+
September 30, 2025	$9.4B	4.20%	5.0	A+
June 30, 2025	$9.6B	6.12%	5.0	A
March 31, 2025	$9.6B	3.92%	5.0	A+
December 31, 2024	$9.4B	5.26%	5.0	A+
September 30, 2024	$9.6B	5.72%	5.0	A+
June 30, 2024	$9.6B	8.14%	5.0	A
March 31, 2024	$9.6B	2.91%	5.0	A+
December 31, 2023	$9.5B	3.24%	5.0	A+
September 30, 2023	$9.4B	2.24%	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 Wintrust 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 Wintrust 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 Wintrust Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Wintrust Bank

Bank Holding Company WINTRUST FINANCIAL CORP

Address 231 S La Salle St, Chicago, IL 60604 · Cook

Website https://www.wintrustbank.com

FDIC Certificate # 33935

Established 19940914

FDIC Insurance Date 19940914

Domestic Offices 37

Total Branches 38

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

3.24%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.9762%

Return on Equity (ROE) 17.2100%

Non-Performing Loans (NPL) 0.30%

Total Assets $9,567,734,000

Total Deposits $8,285,568,000

Equity Capital $1,106,591,000

Net Income $93,615,000

Headquarters Chicago

Total Branches and Offices 37

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Wintrust Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Wintrust Bank

How many branches does Wintrust Bank operate?

Wintrust Bank currently maintains approximately 38 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, Wintrust 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, Wintrust Bank provides members with tools to manage their accounts and build a solid financial history.

Does Wintrust Bank offer online and mobile banking?

Most modern institutions like Wintrust 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.wintrustbank.com.