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Now is the time to take charge of your financial future. We will help you set financial goals and help you achieve them, whatever they may be. From basic checking accounts to money markets, certificates of deposit, our experienced professionals can help devise a plan that’s right for you. Check out some of our products below.

Traditional Checking

  • May be opened with an initial deposit of $100.00
  • There is no daily minimum or average daily balance requirement to avoid a monthly service charge
  • No limit to the number of checks that may be written per month and there are no charges per check written

 

Personal NOW Account™

Whether you've just moved to the area or are a longtime resident, the Personal NOW Account™ offers a whole bundle of benefits that have no fees. You can utilize some or all of the following benefits:

  • An interest-bearing checking account
  • May be opened with an initial deposit of $100.00
  • Minimum daily balance of $250 to avoid a monthly service charge   
  • No limit to the number of checks that may be written
  • NO ANNUAL FEE ATM or MasterCard debit card
  • Free access to SUM and MoneyPass ATMs in the Chicagoland area
  • FREE imaged checks with CheckManager Plus®
  • FREE Online Banking and Telebank
  • FREE Bill Pay
  • FREE Quicken and Microsoft Money download capabilities

 

Statement Savings Account

  • Initial deposit of $200 required to open account
  • Minimum Daily Balance requirement of only $200 to avoid a quarterly service charge
  • Interest is compounded and paid quarterly
  • Statements conveniently combined with your monthly checking statement or sent quarterly
  • Transfer funds as needed to your checking account with Telebank or FREE online banking

Passbook Savings Account

  • Minimum Daily Balance requirement of only $200 to avoid a quarterly service charge 
  • You receive a personalized passbook which must be presented each time you make a deposit or withdrawal, where all of your transactions are recorded
  • Interest is compounded and paid quarterly

Money Market Account

Our Money Market Account combines liquidity and convenience in a tiered variable-rate, interest-bearing account with limited check-writing privileges.

Features & Benefits

  • Minimum Daily Balance of only $2,000.00 to avoid a monthly service fee
  • Higher interest rates than a typical Savings Account
  • Unlimited deposits and up to six preauthorized debits at no charge
  • Unlimited withdrawals when made in person or by ATM, mail or messenger at the bank
  • FREE Online Banking and Telebank

Fixed Rate Certificates of Deposit

We regularly offer a wide range of fixed-rate certificates of deposit, including the following terms:

  • 3 Months
  • 6 Months
  • 12 Months
  • 18 Months
  • 24 Months
  • 30 Months
  • 36 Months
  • 48 Months
  • 60 Months

Minimum balance to open a fixed-rate certificate of deposit is $1000.00.

 

Home Equity Lines of Credit

Our home equity lines of credit can be used for a variety of purposes, may be tax deductible (consult your tax advisor) and provide a lower cost way to borrow for:

  • Improving your home
  • Purchasing a vehicle
  • Paying off medical bills
  • Consolidating debt
  • Paying off a credit card balance while lowering your cost of borrowing

Give us a call or stop in today for more information.

Overdraft Protection

Products & Programs

  • Overdraft Protection Account—Allows you to cover the unexpected opportunity or the occasional overdraft
  • Flexible line amounts
  • Competitive interest rates

Please call the bank at 773-752-4600 for an application. 

Everyday Loan

We created the Everyday Loan so that when you need to cover an unexpected expense such as car repairs, house repairs, or any other short-term financial emergency, you can.

Features

  • Fixed rate loan with quick decision process
  • Loans available from $500.00 to $2,500.00
  • Loans can be paid off in 12 or 24 months
  • Competitive rates - lower than most credit cards or other fast cash loans
Loan TermLoan amountinterest ratecurrent % apr1monthly repayment
12 months$500.00Prime + 5.00%8.25%$43.55
24 months$2,500.00Prime + 5.00%8.25%$113.35

 Please call the bank at 773-752-4600 for more information or to apply.

Offer subject to change. 1. The Annual Percentage Rate (APR) is a fixed rate that's based off the Prime Rate reported in the Money Rates section of the Wall Street Journal (the "WSJ Prime") plus a margin, at the time the loan is made. Repayment term examples are 12 monthly payments of $43.55 for $500 borrowed or 24 monthly payments of $113.35 for $2,500 borrowed. See the bank of details. Applicant must meet underwriting guidelines.

Auto Loans

Products & Programs

  • Flexible terms
  • Quick turnaround
  • Competitive rates
  • New or used vehicles

Please call the bank at 773-752-4600 for an application.

Mortgages and Refinancing

Thinking about purchasing or refinancing a home? We have a full-service mortgage team to assist you. Our products can be custom-designed to meet your individual needs, and they feature some of the most competitive interest rates in the marketplace. We also provide superior customer service with a personal touch.

Products:

  • Pre-qualifications
  • Fixed-rate mortgages with various terms
  • Adjustable-rate mortgages
  • Jumbo loans (loan amounts up to $6 million)
  • Government loans (FHA, VA – including reverse mortgages)
  • First-time homebuyer programs
  • Interest-only loans
  • Reduced-documentation loans
  • Second home and investment property loans
  • Second mortgage programs
  • Expanded products for unique property types, credit situations, etc.
  • Superior service enabling a quick close

Refinancing our mortgage...

Our mortgage and banking professionals are here to guide you through the refinancing process and make your experience as easy as possible.  Depending on your current mortgage or home equity situation, refinancing may be an attractive option.

By refinancing, you may be able to: 

  • Lower your current rate
  • Extend repayment period
  • Reduce risk
  • Lower your current payment

 

Learn More

Have questions about your mortgage needs? Contact us and we will put you in touch with one of our knowledgeable mortgage loan specialists.

Residential Mortgage loans are provided by Wintrust Mortgage. Wintrust Mortgage is a division of Barrington Bank and Trust Company N.A, NMLS # 449042,  an affiliate of Hyde Park Bank & Trust.