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% →

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Your Location:
New York City,New York

The Clay City Banking Co. : The Clay City Banking Co. — distance 774.5 mi

Deposit Rates - June 24, 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 24, 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: 292473	6.389%	6.250% 0.88 points $4,725 fees	$1,971	Learn More
NMLS ID: 401822	6.758%	6.625% 0.75 points $4,395 fees	$2,049	Learn More
NMLS ID: 3030		points fees		Learn More
NMLS ID: 401822		points fees		Learn More

See More Mortgage Rates →

Featured - Illinois Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]
Farmers Bank of Kansas City See Table	Intro APR 8.750 % After Intro: 8.750 %	$25,000	Learn More More Info
This is not a pre-approval or an offer of credit. This is an invitation to apply, and in order to qualify for a loan you must meet our credit and other requirements. Applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. Farmers Bank of Kansas City’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. The HELOC interest rate will not go below 5% or higher than 18%. The minimum line amount offered is $25,000 and the maximum line amount offered is $350,000. The minimum draw amount required is $25,000 or half of the maximum line amount, whichever is greater. A HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Repayment begins approximately 30 calendar days after funding. Farmers Bank of Kansas City also offers a fixed rate Home Equity Loan (HELOAN). Rates vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV

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