- Who We Are
- What We Offer
- Solutions for You
- Commercial & Institutional
Family is extremely important to us. When you choose to raise your family in our community, we will be there for you now and for years to come. We’ll sit down with you and determine the goals you have for your family and help you put a plan in place to reach those goals. Whether it’s saving for your children’s’ education or saving towards retirement, we’ll be there for you. Check out some of the programs we have in place to help you and your family.
Every month that you meet our three simple requirements (see below), you will earn 1.00% APY* on balances up to $25,000. Plus, you’ll still earn 0.10% APY* on balances over $25,000 and non-qualifying accounts.
Additionally, if you have a Junior Savers Account, Certificate of Deposit with a balance of at least $10,000 (excluding IRA accounts) or a Home Equity Line of Credit with an outstanding balance of at least $25,000 you will receive a 0.25% bonus for each. One interest rate bonus per type of companion account per household is allowed.
* APY is Annual Percentage Yield.
We regularly offer a wide range of fixed-rate certificates of deposit, including the following terms:
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Minimum balance to open a fixed-rate certificate of deposit is $1,000.
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:
Give us a call or stop in today for more information.
Please download our debt consolidation loan application form, fill it out completely and mail, fax (815) 479-5718 or drop it off at the bank. You will need Adobe Acrobat Reader to view the application. If you do not already have Adobe Acrobat Reader, click here.
Please contact us if you have any questions.
While some community banks may not be known for full service mortgage lending operations, we have it all: years of experience, hundreds of loan programs and pricing options, all coupled with the client-focused service that you have come to know from us. Our mortgage professionals have weathered the ever-changing real estate market. To complement the basic Conventional, FHA and VA Programs, we are positioned to meet the needs of the continually evolving market demands.
Our highly skilled staff is dedicated to providing service that exceeds the expectations of the customer. By staying abreast of technological advancements, our mortgage professionals can provide low-cost products and services to our customers. As a result, you will find your experience with us surpasses that of any other lender you have dealt with in the past.
If you are interested in a mortgage, please contact us at (815) 479-5200. If you would like to apply online, please click here.
Mortgage Lending is provided through our affiliate Wintrust Mortgage. Wintrust Mortgage is a division of Barrington Bank & Trust Company N.A. NMLS #449042, a Wintrust Community Bank, an Equal Opportunity Employer and an Equal Housing Lender.
At Crystal Lake Bank & Trust, 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 with Crystal Lake Bank & Trust, you may be able to:
By allowing Crystal Lake Bank & Trust to handle your refinancing needs, you’re placing your trust with experienced mortgage and banking teams that understand the local communities in Crystal Lake, Cary, McHenry and Algonquin and surrounding markets.
We encourage you to stop by the bank or feel free to contact us by phone at (815) 479-5200 You can also fill out this online form if you have any questions.