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Village Bank and Trust National Association

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Village Bank and Trust National Association Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Village Bank and Trust National Association 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

Village Bank and Trust National Association 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 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Village Bank and Trust National Association, and you can see how they compare in the Village Bank and Trust National Association rate tables below. MonitorBankRates evaluates the financial stability of Village Bank and Trust National Association with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.82%. Database rates last updated and verified on 08/30/2026.

Village Bank and Trust National Association 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 Village Bank and Trust National Association? Share your experience about Village Bank and Trust National Association by leaving a review below, or read customer reviews before you decide to use Village Bank and Trust National Association.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.82%

Excellent Lower than avg

Village Bank and Trust, National Association

234 W Northwest Hwy
Arlington Heights, IL 60004

https://www.bankatvillage.com

Village Bank and Trust National Association Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity HELOC	-	-	6.75%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Home Equity Line of Credit	-	-	6.75%	360 months
Details Variable Rate; Prime + .00% (floor rate, whichever is greater) for lines $500,000+. The WSJ Prime Rate was 6.75% as of 12/15/25. Minimum APR is 3.99% and maximum APR is 20.00%. Interest only minimum payments required during the 10-year Draw Period. Subsequent changes will occur on the 1st day of the statement cycle following a Prime Rate change. 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. See your loan officer for details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Home Equity HELOC	-	-	7.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Home Equity Line of Credit	-	-	7.00%	360 months
Details Variable Rate; Prime + .25% for lines $250,000-$500,000. The WSJ Prime Rate was 6.75% as of 12/15/25. Minimum APR is 3.99% and maximum APR is 20.00%. Interest only minimum payments required during the 10-year Draw Period. Subsequent changes will occur on the 1st day of the statement cycle following a Prime Rate change. 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. See your loan officer for details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Home Equity HELOC	-	-	7.25%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Home Equity Line of Credit	-	-	7.25%	360 months
Details Variable Rate; Prime + .50% for lines $100,000 - $249,999.99. The WSJ Prime Rate was 6.75% as of 12/15/25. Minimum APR is 3.99% and maximum APR is 20.00%. Interest only minimum payments required during the 10-year Draw Period. Subsequent changes will occur on the 1st day of the statement cycle following a Prime Rate change. 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. See your loan officer for details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Home Equity HELOC	-	-	7.50%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Home Equity Line of Credit	-	-	7.50%	360 months
Details Variable Rate; Prime + 0.75% for lines $10,000 - $99,999.99. The WSJ Prime Rate was 6.75% as of 12/15/25. Minimum APR is 3.99% and maximum APR is 20.00%. Interest only minimum payments required during the 10-year Draw Period. Subsequent changes will occur on the 1st day of the statement cycle following a Prime Rate change. 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. See your loan officer for details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%

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 Village Bank and Trust National Association 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 Village Bank and Trust National Association 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 Village Bank and Trust National Association's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Village Bank and Trust National Association

Bank Holding Company WINTRUST FINANCIAL CORP

Address 234 W Northwest Hwy, Arlington Heights, IL 60004 · Cook

Website https://www.bankatvillage.com

FDIC Certificate # 34011

Established 05/08/1995

FDIC Insurance Date 05/08/1995

Domestic Offices 8

Total Branches 8

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.82%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.8675%

Return on Equity (ROE) 17.7900%

Non-Performing Loans (NPL) 0.14%

Total Assets $3,499,023,000

Total Deposits $2,869,437,000

Equity Capital $346,066,000

Net Income $60,926,000

Headquarters Arlington Heights

Total Branches and Offices 8

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Village Bank and Trust National Association

How many branches does Village Bank and Trust National Association operate?

Village Bank and Trust National Association 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, Village Bank and Trust National Association 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, Village Bank and Trust National Association provides members with tools to manage their accounts and build a solid financial history.

Does Village Bank and Trust National Association offer online and mobile banking?

Most modern institutions like Village Bank and Trust National Association 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.bankatvillage.com.