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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.

Crystal Lake Checking Account™

  • May be opened with an initial deposit of $100.00 or more
  • There is no daily minimum or average daily balance requirement
  • No limit to the number of checks that may be written per month and there are no charges per check written
  • Free first order of specialty checks (150 checks)
  • Free imaged checks option with CheckManager Plus™

Statement Savings Account

  • Your account earns interest which is compounded and paid monthly
  • Statements are also sent monthly
  • $100 initial deposit to open
  • Maintenance fee of $1.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of cycle
  • Transaction limitations may apply

Christmas Club Account

  • Your account earns interest which is paid annually
  • Statements are sent monthly
  • A check is sent in early November for the balance in the account
  • Transaction limitations may apply

Fixed Rate Certificates of Deposit

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

  • 1 Month
  • 3 Months
  • 6 Months
  • 12 Months
  • 18 Months
  • 24 Months
  • 36 Months
  • 48 Months
  • 60 Months

Minimum balance to open a fixed-rate certificate of deposit is $1,000.


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

Auto Loans

Products & Programs

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

Debt Consolidation Loans

Products & Programs

  • Many ways to restructure debt
  • Fixed or variable rate loans
  • Flexible terms
  • Lower your monthly payments

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.

Loan Programs include:

  • We Offer a Complete Line of Loan Programs for Every Buyer
  • Pre-Qualifications Seven Days a Week
  • Fixed and Adjustable Rate Mortgages
  • Jumbo Loans
  • FNMA and FHLMC Conventional Financing
  • 2nd Mortgages and Home Equity Lines of Credit (HELOC)
  • HECM or Home Equity Conversion Mortgages - “Reverse Mortgages” Available in Most States

Contact Us

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:

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


Contact Us


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.