The Clay City Banking Co.: The Clay City Banking Co.

331 South Main Street
Clay City, IL 62824

Notable Rates	Vs. Others
Savings 0.60%	4.66% →
1-Year CD 3.70%	4.59% →
2-Year CD 4.22%	4.25% →
5-Year CD 3.44%	4.20% →
30-Year Mortgage N.A.	4.91% →
15-Year Mortgage N.A.	4.39% →
HELOC N.A.	0.99% →

Visit The Clay City Banking Co. main page on BestCashCow.

Your Location:
Fair Lawn,New Jersey

The Clay City Banking Co. : The Clay City Banking Co. — distance 770.44 mi

Deposit Rates - June 30, 2025

Savings and Money Market Rates	APY	MIN	MAX
SAV	0.50%	$0	-	Learn More Reviews
Hometown Saver	0.60%	$1	-	Learn More Reviews
Money Market	1.21%	$0	$24,999	Learn More Reviews
Money Market	1.00%	$2,500	$9,999	Learn More Reviews
Money Market	1.11%	$10,000	$24,999	Learn More Reviews
Money Market	1.45%	$25,000	$99,999	Learn More Reviews
Money Market	1.36%	$25,001	-	Learn More Reviews
Money Market	1.60%	$100,000	$249,999	Learn More Reviews
Money Market	2.00%	$250,000	-	Learn More Reviews

CD Rates	APY	MIN	MAX
3 Month CD	3.55%	$1,000	-	Learn More Reviews
6 Mo CD	3.65%	$1,000	-	Learn More Reviews
7 Month CD Special	4.06%	$1,000	-	Learn More Reviews
12 Mo CD	3.70%	$1,000	-	Learn More Reviews
18 Mo CD	3.49%	$1,000	-	Learn More Reviews
24 Month Bump Up CD	4.22%	$500	-	Learn More Reviews
24 Mo CD	3.49%	$1,000	-	Learn More Reviews
30 Mo CD	3.44%	$1,000	-	Learn More Reviews
48 Mo CD	3.44%	$1,000	-	Learn More Reviews
60 Mo CD	3.44%	$1,000	-	Learn More Reviews

Fixed IRA Rates	APY	MIN	MAX
12 Mo FIRA	3.70%	$1,000	-	Learn MoreShow Less
18 Month CD	3.49%	$1,000	-	Learn MoreShow Less
30 Month CD	3.44%	$1,000	-	Learn MoreShow Less

Variable IRA Rates	APY	MIN	MAX
18 Month Variable CD	3.49%	$1,000	-	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
INTCK	0.75%	$1,000	-	Learn MoreShow Less
Checking Plus	0.60%	$1,001	$4,999	Learn MoreShow Less
Checking Plus	0.70%	$5,000	-	Learn MoreShow Less

Checking Rates	APY	MIN	FEE
Hometown Rewards with Interest Checking	2.02%	$0	$0.00	Learn MoreShow Less

Loan Rates - June 30, 2025

There are currently no loan rates available for The Clay City Banking Co.:The Clay City Banking Co.

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Illinois 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 112851 License#: N0002974	6.216%	6.125% 1.00 points $3,110 fees	$1,945	Learn More
NMLS ID: 292473	6.249%	6.125% 0.75 points $4,248 fees	$1,945	Learn More
NMLS ID: 447490	6.472%	6.375% 0.63 points $3,267 fees	$1,997	Learn More
NMLS ID: 1025894	6.476%	6.375% 0.88 points $3,388 fees	$1,997	Learn More

See More Mortgage Rates →

Featured - Illinois Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 7.150 % After Intro: 7.150 %	$15,000	Learn More More Info
Available APRs range from 6.70% - 14.65%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Achieve Loans See Table	Intro APR 10.125 % After Intro: 10.125 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements; offer APRs may include a discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month and can fluctuate during the draw period. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. Combined loan-to-value ratio may not exceed 80% (20 and 30 year debt consolidation requests may not exceed 75%), including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Equal Housing Opportunity. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

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