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The choice of investments for your retirement funds is never easy. The funds you have saved for your retirement deserve special attention. How much you save and the returns on those funds may be the difference between being able to have the lifestyle you want during retirement or being forced to accept something less. We have many options for your money and want to help you manage your money in the best way possible. This time in your life may be the most enjoyable and relaxing. We want to help you enjoy the ride.

PlatinumPreferred® Account

PlatinumPreferred Account® offers a bundle of checking products and services designed to meet the needs of folks age of fifty and older.

We have developed an attractive combination of products and services to meet the banking needs of customers who have reached the age of fifty. It's called the PlatinumPreferred Account™, and it offers to this special group of people the following benefits:
* An interest bearing NOW Account
* $100 to open
* No monthly service charge and no minimum monthly balance
* FREE supply of checks1
* FREE On-line Banking and FREE Bill Pay
* FREE imaged checks option with CheckManager Plus™
* Bonus interest rates on all fixed rate CDs
* FREE 3" X 5" X 21" safe deposit box for one year (or equivalent savings off a larger box)
* FREE no annual fee MasterCard credit or debit card2
* FREE Cashier's Checks
* FREE Travelers Checks for One
* FREE Notary and FREE Signature Guarantees
* FREE Money Orders
* FREE direct deposit of payroll, benefit, and dividend checks
* Contact a personal banker for more details

1. Limitations apply on type of check and quantity ordered. 2. Annual fee waived, first year and each year thereafter if you make at least one purchase per year. Requires credit approval. Credit Cards are offered, issued and approved by First Bankcard, a division of First National Bank of Omaha.


Platinum Adventures® Club

The Platinum Adventures Club® is a unique travel and activities group for our customers aged fifty years and older. Join our club for great opportunities to meet new people, make new friends and enjoy activities such as:

  • Day trips to interesting and unusual sights in Chicago and neighboring communities, such as trips to the latest museum exhibits and theater productions - incorporating delicious meals in our adventures whenever possible
  • Extended travel to neighboring states, North America and eventually, even international destinations. Our adventurers will travel in style with deluxe transportation and superior accommodations
  • Information seminars on timely topics

Joining the club is free and simple. If you are at least 50 years of age and have $5,000.00 in deposits at our bank, you are eligible!  The only expense you incur is the cost of the events and trips you attend.

For upcoming events, please view the Platinum Adventures Newsletter

Please stop by the bank today to visit with a personal banker, fill out an application card and pick up the latest newsletter. You can also call the bank to have an application card and calendar of events mailed to you. Additionally, please fill out a medical information card and keep with you on any Platinum Adventures trips. For further information contact Bettie Siavelis, Director at 847-669-7500. 

Total Access Checking


  • FREE access to ATMs1
  • $100.00 deposit required to open
  • Direct Deposit required

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.


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.