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Beverly Bank & Trust Company N.A.

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Beverly Bank & Trust Company N.A. Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Beverly Bank & Trust Company N.A. 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: August 30, 2026

Beverly Bank & Trust Company N.A. rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.56%. Savings rates are at 0.84% and money market rates are at 1.16%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Beverly Bank & Trust Company N.A., and you can see how they compare in the Beverly Bank & Trust Company N.A. rate tables below. MonitorBankRates evaluates the financial stability of Beverly Bank & Trust Company N.A. with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.89%. Database rates last updated and verified on 08/30/2026.

Beverly Bank & Trust Company N.A. 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 Beverly Bank & Trust Company N.A.? Share your experience about Beverly Bank & Trust Company N.A. by leaving a review below, or read customer reviews before you decide to use Beverly Bank & Trust Company N.A..

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.89%

Excellent Lower than avg

Beverly Bank & Trust Company, National Association

10258 S Western Ave
Chicago, IL 60643

https://www.thebeverlybank.com

Beverly Bank & Trust Company N.A. Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity HELOC	-	-	6.75%
No additional details. Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Home Equity Line of Credit	-	-	6.75%	360 months
Details Variable Rate; The WSJ Prime Rate was 6.75% on 12/15/25; Prime + .00% or floor rate, whichever is greater, for $500,000+; Minimum APR is 3.99% (floor rate) & maximum APR is 20.00%; Interest only minimum payments required during the Draw Period; Subsequent changes will occur on the 1st day of the statement cycle following a Prime Rate change; monthly principal & interest payments will be required to fully amortize the loan during the Repayment Period; Annual fee of $75, waived for the first year; Offer applies to lines secured by owner occupied or second homes, one-to four-family residences; Loan to values exceeding 80% may have higher rates; Property insurance is required & flood insurance may be required; Consult a tax advisor regarding the deductibility of interest; Third party fees will be paid by the bank with the exception of the following: fees on purchase money (including simultaneous loans) or fees on properties located in any state that is not IL, WI, IN, MI, Collier County, FL and Lee County, FL (the rest of FL not included); Pricing shown assumes borrower meets underwriting guidelines, otherwise a higher APR may apply, or credit may not be available. Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Home Equity HELOC	-	-	7.00%
No additional details. Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Home Equity Line of Credit	-	-	7.00%	360 months
Details Variable Rate; The WSJ Prime Rate was 6.75% on 12/15/25; Prime + .25% for $250,000-$500,000; Minimum APR is 3.99% (floor rate) & maximum APR is 20.00%; Interest only minimum payments required during the Draw Period; Subsequent changes will occur on the 1st day of the statement cycle following a Prime Rate change; monthly principal & interest payments will be required to fully amortize the loan during the Repayment Period; Annual fee of $75, waived for the first year; Offer applies to lines secured by owner occupied or second homes, one-to four-family residences; Loan to values exceeding 80% may have higher rates; Property insurance is required & flood insurance may be required; Consult a tax advisor regarding the deductibility of interest; Third party fees will be paid by the bank with the exception of the following: fees on purchase money (including simultaneous loans) or fees on properties located in any state that is not IL, WI, IN, MI, Collier County, FL and Lee County, FL (the rest of FL not included); Pricing shown assumes borrower meets underwriting guidelines, otherwise a higher APR may apply, or credit may not be available. Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Home Equity HELOC	-	-	7.25%
No additional details. Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Home Equity Line of Credit	-	-	7.25%	360 months
Details Variable Rate; The WSJ Prime Rate was 6.75% on 12/15/25; Prime + .50% for $100,000 - $249,999.99; Minimum APR is 3.99% (floor rate) & maximum APR is 20.00%; Interest only minimum payments required during the Draw Period; Subsequent changes will occur on the 1st day of the statement cycle following a Prime Rate change; monthly principal & interest payments will be required to fully amortize the loan during the Repayment Period; Annual fee of $75, waived for the first year; Offer applies to lines secured by owner occupied or second homes, one-to four-family residences; Loan to values exceeding 80% may have higher rates; Property insurance is required & flood insurance may be required; Consult a tax advisor regarding the deductibility of interest; Third party fees will be paid by the bank with the exception of the following: fees on purchase money (including simultaneous loans) or fees on properties located in any state that is not IL, WI, IN, MI, Collier County, FL and Lee County, FL (the rest of FL not included); Pricing shown assumes borrower meets underwriting guidelines, otherwise a higher APR may apply, or credit may not be available. Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Home Equity HELOC	-	-	7.50%
No additional details. Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Home Equity Line of Credit	-	-	7.50%	360 months
Details Variable Rate; The WSJ Prime Rate was 6.75% on 12/15/25; Prime + 0.75% for $10,000 - $99,999.99; Minimum APR is 3.99% (floor rate) & maximum APR is 20.00%; Interest only minimum payments required during the Draw Period; Subsequent changes will occur on the 1st day of the statement cycle following a Prime Rate change; monthly principal & interest payments will be required to fully amortize the loan during the Repayment Period; Annual fee of $75, waived for the first year; Offer applies to lines secured by owner occupied or second homes, one-to four-family residences; Loan to values exceeding 80% may have higher rates; Property insurance is required & flood insurance may be required; Consult a tax advisor regarding the deductibility of interest; Third party fees will be paid by the bank with the exception of the following: fees on purchase money (including simultaneous loans) or fees on properties located in any state that is not IL, WI, IN, MI, Collier County, FL and Lee County, FL (the rest of FL not included); Pricing shown assumes borrower meets underwriting guidelines, otherwise a higher APR may apply, or credit may not be available. Last Updated 08/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%

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.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Beverly Bank & Trust Company N.A. 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 Beverly Bank & Trust Company N.A. 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 Beverly Bank & Trust Company N.A.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Beverly Bank & Trust Company N.A.

Bank Holding Company WINTRUST FINANCIAL CORP

Address 10258 S Western Ave, Chicago, IL 60643 · Cook

Website https://www.thebeverlybank.com

FDIC Certificate # 57701

Established 04/01/2004

FDIC Insurance Date 04/01/2004

Domestic Offices 8

Total Branches 8

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

3.89%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3982%

Return on Equity (ROE) 13.5400%

Non-Performing Loans (NPL) 0.28%

Total Assets $2,522,542,000

Total Deposits $2,133,322,000

Equity Capital $262,321,000

Net Income $36,862,000

Headquarters Chicago

Total Branches and Offices 8

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Beverly Bank & Trust Company N.A.

How many branches does Beverly Bank & Trust Company N.A. operate?

Beverly Bank & Trust Company N.A. currently maintains approximately 8 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, Beverly Bank & Trust Company N.A. 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, Beverly Bank & Trust Company N.A. provides members with tools to manage their accounts and build a solid financial history.

Does Beverly Bank & Trust Company N.A. offer online and mobile banking?

Most modern institutions like Beverly Bank & Trust Company N.A. 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.thebeverlybank.com.