What are the current interest rates at Central Bank Illinois?

Current rates for Central Bank Illinois include: 12-Month CD: 2.00%, 18-Month CD: 3.75%, 60-Month CD: 3.75%, Savings: 0.05%, MMA: 0.25%

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Central Bank Illinois

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Central Bank Illinois Rates & Review October 2026

Q: How many branches does Central Bank Illinois operate?

Central Bank Illinois currently maintains approximately 12 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, Central Bank Illinois 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, Central Bank Illinois 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 7, 2026

Central Bank Illinois's top rates as of October 7, 2026 are 4.15% APY on its 19-Months 19-Month Certificate, 0.05% APY on savings, and 0.25% APY on money market accounts, according to rates verified by MonitorBankRates. Other Central Bank Illinois CD rates include 19-Months 19-Month Certificate (Fulton) at 4.15%, 19-Months Geneseo / Andover 19-Month at 4.15%, and 19-Months Special Term - 19-Month at 4.15%. MonitorBankRates evaluates the financial stability of Central Bank Illinois with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.39%. Rates last updated and verified on 10/07/2026.

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

Overall Health & Safety Grade

A-

Very Good Health Score: 92/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

15.39%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Central Bank Illinois

101 N State St
Geneseo, IL 61254

https://www.central-bank.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.

Central Bank Illinois CD Rates

Product	Rate	APY	Term
19 Month Certificate	4.11%	4.15%	19 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
19 Month Certificate (Fulton)	4.11%	4.15%	19 Months
Min Balance $1,000 Details Over $25,000 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 4.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Geneseo / Andover 19 month	4.11%	4.15%	19 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Special Term - 19 month	4.11%	4.15%	19 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 4.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Sterling 19 month	4.11%	4.15%	19 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
13 Month Certificate	4.06%	4.10%	13 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 9, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75% Oct 7, 20264.10%▲ from 3.75% Sep 9, 20263.75%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
13 Month Certificate (Fulton)	4.06%	4.10%	13 Months
Min Balance $1,000 Details Over $25,000 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Geneseo / Andover 13 month	4.06%	4.10%	13 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Special Term - 13 month	4.06%	4.10%	13 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75% Oct 2, 20264.10%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Sterling 13 month	4.06%	4.10%	13 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
7 Month Certificate	3.81%	3.85%	7 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 9, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 7, 20263.85%▲ from 3.75% Sep 9, 20263.75%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
7 Month Certificate (Fulton)	3.81%	3.85%	7 Months
Min Balance $1,000 Details Over $25,000 Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Geneseo / Andover 7 month	3.81%	3.85%	7 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Special Term - 7 month	3.81%	3.85%	7 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 9, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 2, 20263.85%▲ from 3.75% Sep 9, 20263.75%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Sterling 7 month	3.81%	3.85%	7 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
18 Month Certificate	3.72%	3.75%	18 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
18 Month Certificate (Fulton)	3.72%	3.75%	18 Months
Min Balance $1,000 Details Over $25,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
18 Month Geneseo / Andover CD	3.72%	3.75%	18 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
18 Month Sterling Certificate of Deposit	3.72%	3.75%	18 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
30 Month Certificate	3.72%	3.75%	30 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
30 Month Certificate (Fulton)	3.72%	3.75%	30 Months
Min Balance $1,000 Details Over $25,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
30 Month Geneseo / Andover CD	3.72%	3.75%	30 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
30 Month Sterling Certificate of Deposit	3.72%	3.75%	30 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
60 Month Certificate	3.72%	3.75%	60 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
60 Month Certificate (Fulton)	3.72%	3.75%	60 Months
Min Balance $1,000 Details Over $25,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
60 Month Geneseo / Andover CD	3.72%	3.75%	60 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
60 Month Sterling Certificate of Deposit	3.72%	3.75%	60 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
12 Month Certificate	2.00%	2.00%	12 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
12 Month Certificate (Fulton)	2.00%	2.00%	12 Months
Min Balance $1,000 Details Over $25,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
12 Month Geneseo / Andover CD	2.00%	2.00%	12 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
12 Month Sterling Certificate of Deposit	2.00%	2.00%	12 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
182 Day Certificate	1.75%	1.75%	182 Days
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
182 Day Certificate (Fulton)	1.75%	1.75%	182 Days
Min Balance $1,000 Details Over $25,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
182 Day Geneseo / Andover CD	1.75%	1.75%	182 Days
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
182 Day Sterling Certificate of Deposit	1.75%	1.75%	182 Days
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
91 Day Certificate	1.50%	1.50%	91 Days
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
91 Day Certificate (Fulton)	1.50%	1.50%	91 Days
Min Balance $1,000 Details Over $25,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
91 Day Geneseo / Andover CD	1.50%	1.50%	91 Days
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
91 Day Sterling Certificate of Deposit	1.50%	1.50%	91 Days
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%

Central Bank Illinois Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Statement Savings	0.25%	0.25%
Details Balance: All balances Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Health Savings Account (HSA)	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Health Savings Account (HSA)	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000 - $4,999.99 Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Health Savings Account (HSA)	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $999.99 Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%

Central Bank Illinois Money Market Rates

Product	Rate	APY
Premium Money Market	1.05%	1.06%
Min Balance $500,000 Details Balance: $500,000+ Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 1.06% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Premium Money Market	0.95%	0.95%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 0.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Premium Money Market	0.90%	0.90%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 0.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Premium Money Market	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Money Market	0.60%	0.60%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Premium Money Market	0.60%	0.60%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Money Market	0.35%	0.35%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Money Market	0.25%	0.25%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%

Central Bank Illinois Checking Rates

Product	Rate	APY
Image Plus Checking	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Image Plus Checking	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Image Plus Checking	0.10%	0.10%
Min Balance $2,000 Details Balance: $2,000 - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%

Central Bank Illinois Other Rates

Product	Rate	Points	APY/APR	Term
Geneseo / Andover 12 Months	2.00%	-	2.00%	12 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Geneseo / Andover 18 Months	3.72%	-	3.75%	18 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Geneseo / Andover 182 Days	1.75%	-	1.75%	182 Days
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Geneseo / Andover 30 Months	3.72%	-	3.75%	30 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Geneseo / Andover 60 Months	3.72%	-	3.75%	60 Months
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Geneseo / Andover 91 Days	1.50%	-	1.50%	91 Days
Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
IRA Roth	0.05%	-	0.05%
Min Balance $0 Details Balance: $0 - $1,000 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
IRA Roth	0.25%	-	0.25%
Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
IRA Traditional	0.05%	-	0.05%
Min Balance $0 Details Balance: $0 - $1,000 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
IRA Traditional	0.25%	-	0.25%
Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Kasasa Cash Checking	1.14%	-	1.15%
Min Deposit $50 Min Balance $0 Details Balance: 0 to $20,000 Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 1.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Kasasa Cash Checking	0.05%	-	0.05%
Min Deposit $50 Details All balances if qualifications not met Last Updated 10/07/2026 Rate History No change since Sep 9, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Kasasa Saver Savings	3.93%	-	4.00%
Min Deposit $100 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 to $50,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Special Term (Geneseo/Andover)	3.81%	-	3.85%	7 Months
Min Balance $1,000 Details Over $25,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Special Term (Geneseo/Andover)	4.06%	-	4.10%	13 Months
Min Balance $1,000 Details Over $25,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%
Special Term (Geneseo/Andover)	4.11%	-	4.15%	19 Months
Min Balance $1,000 Details Over $25,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.39%

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.
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Financial Health History

Central Bank Illinois’s Texas Ratio rose from 0.63% in Q3 2023 to 15.39% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A-. 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	$1.5B	15.39%	5.0	A-
March 31, 2026	$1.5B	11.74%	5.0	A
December 31, 2025	$1.4B	8.46%	5.0	A
September 30, 2025	$1.4B	2.76%	5.0	A+
June 30, 2025	$1.4B	3.04%	5.0	A+
March 31, 2025	$1.4B	3.18%	5.0	A+
December 31, 2024	$1.4B	1.40%	5.0	A+
September 30, 2024	$1.4B	1.96%	5.0	A+
June 30, 2024	$1.4B	0.67%	5.0	A+
March 31, 2024	$1.3B	1.15%	5.0	A+
December 31, 2023	$1.3B	0.85%	5.0	A+
September 30, 2023	$1.3B	0.63%	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 Central Bank Illinois 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 Central Bank Illinois 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 Central Bank Illinois's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Central Bank Illinois

Bank Holding Company CENTRAL BANC INC

Address 101 N State St, Geneseo, IL 61254 · Henry

Website https://www.central-bank.com

FDIC Certificate # 11670

Established 19070201

FDIC Insurance Date 19340101

Domestic Offices 12

Total Branches 12

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 92/100

5.0

Exceptional Out of 5.0 Stars

15.39%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9754%

Return on Equity (ROE) 9.5000%

Non-Performing Loans (NPL) 1.31%

Total Assets $1,462,374,000

Total Deposits $1,118,252,000

Equity Capital $151,996,000

Net Income $7,088,000

Headquarters Geneseo

Total Branches and Offices 12

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Central Bank Illinois

How many branches does Central Bank Illinois operate?

Central Bank Illinois currently maintains approximately 12 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, Central Bank Illinois 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, Central Bank Illinois provides members with tools to manage their accounts and build a solid financial history.

Does Central Bank Illinois offer online and mobile banking?

Most modern institutions like Central Bank Illinois 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.central-bank.com.