St. Charles Bank is running a marketing campaign that has one of the highest CD rates for a one year term CD in Illinois.  The bank CD has an interest rate of 4.00% on the one year CD.  The minimum deposit for this account is $2,500.00. The bank is offering a two other special CDs.  The bank has a 4 month CD with an interest rate of 3.50% and a 10 month term CD with a yield of 3.75% APY. There is a $5,000.00 minimum opening balance for these two CD accounts.

St. Charles Bank is a locally controlled and managed bank.  The bank states on their website that, “we have the unique ability to make decisions more quickly and provide more customized services and products that truly benefit residents of the area.  We can pass the savings on to our customers in the form of better rates because we don’t have the big overhead of other banks.”  The bank also offers commercial banking, wealth management, on-line banking, and bill pay services.  Consumer products and services provided by the bank include; free checking, college checking, NOW accounts, statement savings account, passbook savings account, money market accounts, variable rate home equity lines of credit, home equity loans, lot financing, construction loans, end mortgages, bank credit cards as well as certificates of deposit.

St. Charles Bank has two locations, one branch in St. Charles as well as a bank branch in Geneva.  St. Charles Bank maintains most of their consumer rate information on their website at www.bankstcharles.com.  The phone number for current rate information is 630-377-9500.  CD interest rates were verified December 19, 2008.  Rates are subject to change and conditions may apply.

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