American Community Bank & Trust is an FDIC insured institution headquartered at
1290 Lake Ave, Woodstock, IL 60098.
It was founded in
2000 and has approximately $1 billion in assets. Customers can open an account at one of its 4 branches.
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.10% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.30% | $10,000 | Compare |
|
6 Mo CD
|
0.30% | $100,000 | Compare |
|
12 Mo CD
|
0.50% | $10,000 | Compare |
|
12 Mo CD
|
0.50% | $100,000 | Compare |
|
18 Mo CD
|
0.60% | $10,000 | Compare |
|
18 Mo CD
|
0.60% | $100,000 | Compare |
|
24 Mo CD
|
0.65% | $10,000 | Compare |
|
24 Mo CD
|
0.65% | $100,000 | Compare |
|
30 Mo CD
|
0.70% | $10,000 | Compare |
|
30 Mo CD
|
0.70% | $100,000 | Compare |
|
36 Mo CD
|
0.70% | $10,000 | Compare |
|
36 Mo CD
|
0.70% | $100,000 | Compare |
|
48 Mo CD
|
0.85% | $10,000 | Compare |
|
48 Mo CD
|
0.85% | $100,000 | Compare |
|
60 Mo CD
|
0.95% | $10,000 | Compare |
|
60 Mo CD
|
0.95% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.05% | $2,500 | Compare |
|
Money Market
|
0.10% | $10,000 | Compare |
|
Money Market
|
0.10% | $25,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.05% | $2,500 |
Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
|
Intro APR: 6.990 %
After Intro:6.990 % |
$0 |
Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-10-22 |
Intro APR: 5.990 %
After Intro:7.500 % Intro Period: 12 months |
$25,000 |
| Home Equity Line of Credit - Equal Housing Lender | $0 |
Pentagon Federal Credit Union NMLS ID: 401822 |
0.000% |
$0
Fees & Points
$0 Total
0.000 Pts ($0) $0 Fees |
PenFed Credit Union NMLS ID: 401822 |
6.174% |
$1,919
Fees & Points
$6,000 Total
0.875 Pts ($2,800) $3,200 Fees |
Quicken Loans NMLS ID: 167283 |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 35412 |
| Date Established | 2000 |
| Assets | $ 1,046.53 million |
| Loans | $ 728.83 million |
| Deposits | $ 894.40 million |
| Capital | $ 112.01 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 94.87 million |
| Interest-bearing balances | $ 80.24 million |
| Total securities | $ 186.98 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 728.83 million |
| Loan loss allowance | $ 9.32 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 13.70 million |
| Total Assets | $ 934.52 million |
| LIABILITIES | |
| Total deposits | $ 894.40 million |
| Interest-bearing deposits | $ 649.04 million |
| Deposits held in domestic offices | $ 894.40 million |
| % insured (estimated)" | 54.96% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 2.35 millionn |
| Total Liabilities | $ 934.52 million |
| Shareholders’ Equity | $ 112.01 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 26.93 million |
| Total Interest Expense | $ 9.13 million |
| Net interest income | $ 17.80 million |
| Provision for loan and lease losses | $ 4.92 million |
| Total non interest income | $ 2.71 million |
| Total non interest expense | $ 10.85 million |
| Pre-tax Net Operating Income | $ 6.86 million |
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