Printer-friendly versionPrinter-friendly versionFamilies Image

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.

Traditional Checking

  • May be opened with an initial deposit of any amount
  • No limit to the number of checks that may be written per month and there are no charges per check written
  • Free imaged checks option with CheckManager Plus™
  • Other service charges may apply
  • Contact a Personal Banker for more details
  • No transaction limitations apply to this account

Community Account

Whether you've just moved to the area or are a longtime resident, the community account™  offers a whole bundle of benefits that have no fee or are free. You can utilize some or all of the following benefits:

  • An interest bearing NOW Checking Account2
  • With no monthly service charge and no minimum monthly balance¹
  • FREE checks-no charge for first order of safety paper checks and we'll buy back up to 200 of your old checks
  • FREE On-line Banking and FREE Bill Pay.
  • Free imaged checks option with CheckManager Plus™
  • Overdraft protection available (Prime rate)²
  • A low rate Home Equity Line of Credit²
  • $50 one time credit on a safe deposit box²
  • FREE, no fee MasterCard Card² and no extra fee ATM Card
  • No fees when you purchase Cashier's Checks and American Express Travelers Checks
  • Special discounts at participating merchants

¹Fees, such as overdraft charges, and fees for special services may apply. ²Please call the bank for disclosure on this product.

Community Account is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded monthly and credited to your account monthly.

Statement Savings Account

  • Minimum Daily Balance requirement of only $100 to avoid a $1.00 service fee per statement cycle1
  • Interest is compounded quarterly and paid quarterly
  • Statements conveniently combined with your monthly checking statement OR sent quarterly
  • Transfer fund as needed to your checking account with Telebank or FREE online banking

1$1.00 maintenance fee will be imposed every quarter if the daily balance falls below $100.00 any day of the quarter. 

We use the daily balance method to calculate interest on your account. Interest will be compounded Quarterly and paid to your account Quarterly.

Transfers from a Statement Savings account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per month with no transfers by check, draft, debit card or similar order to third parties. An excessive transaction fee of $10.00 will be charged for each transaction in excess of the mentioned limitations.
 

Passbook Savings Account

  • You receive a personalized passbook where all of your transactions are recorded at the time of deposit or withdrawal
  • Interest is compounded and paid quarterly
  • Minimum Daily Balance requirement of only $100 to avoid a $1.00 service fee per statement cycle

Heritage Money Market Account

Our Heritage Money Market Account combines liquidity and convenience in a tiered variable-rate, interest-bearing account with limited check-writing privileges.

Features & Benefits

  • Minimum Daily Balance of only $5,000.00 to avoid a $15.00 monthly service fee
  • Unlimited deposits and up to six preauthorized debits at no charge
  • Unlimited withdrawals when made in person or by ATM, mail or messenger at the bank
  • FREE Online Banking and Telebank

An interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded and credited to your account monthly.

Transfers from a Heritage Money Market account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per month. Unlimited in-person withdrawals are allowed on this account. An excessive transaction fee of $10.00 will be charged for each transaction in excess of the previously mentioned limitations.

Fixed Rate Certificates of Deposit

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

  • 3 Months
  • 4-6 Months
  • 7-12 Months
  • 13-18 Months
  • 19-24 Months
  • 25-30 Months
  • 31-36 Months
  • 37-48 Months
  • 49-60 Months

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

An interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded and credited to your account monthly.

Transaction limitations; You may not make any transfers from this account to another account of yours or to  third parties by preauthorized, automatic, or telephone transfer or similar order to third parties

Interest rates vary depending on the term of the CD. Interest is calcualted using the daily balance method. You may not make deposits into the account until the maturity date. Subject to early withdrawal penalties.  See CD for our renewal policy and your options on how interest is calculated and paid.

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

 

  • Allows you to cover the unexpected opportunity or the occasional overdraft
  • Flexible line amounts
  • Competitive interest rate

For more information, please call (630) 323-4404 to speak with a personal banker.   

 

 

 

Auto Loans

Products & Programs

  • Flexible terms
  • Quick turnaround
  • Competitive rates
  • New or used vehicles
  • Loan to value up to up to 80%

Please call (630) 323-4404 and talk to one of our friendly Personal Bankers for more information.

 

 

Mortgages and Refinancing

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.

The highly skilled staff of Wintrust Mortgage 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
  • FHLMC, FHA & VA
  • 2nd Mortgages and Home Equity Lines of Credit (HELOC)
  • HECM or Home Equity Conversion Mortgages - “Reverse Mortgages” Available in Most States

Refinancing

At Hinsdale Bank & Trust Co., 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 Hinsdale Bank & Trust Co., you may be able to:

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

Contact Us

If you are interested in a mortgage, please contact us at .  If you would like to apply online, please click here.

Mortgage Lending is provided through our affiliate Wintrust Mortgage. Wintrust Mortgage is an Equal Opportunity Employer and an Equal Housing Lender.
Wintrust Mortgage is a division of Barrington Bank & Trust, N.A., NMLS # 449042, a Wintrust Community Bank.