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Our FDIC-insured Savings Accounts are variable-rate interest-bearing accounts. Please select a product below for more information.

Junior Savers

  • AVAILABLE TO INDIVIDUALS UNDER AGE 22
  • VARIABLE INTEREST RATE WITH INTEREST PAID QUARTERLY
  • NO MINIMUM OPENING DEPOSIT NEEDED
  • NO MINIMUM BALANCE REQUIRED FOR THOSE UNDER 22
  • $200 MINIMUM DAILY BALANCE REQUIREMENT FOR THOSE 22+ TO AVOID A $10 FEE PER CALENDAR QUARTER
  • EXCESSIVE TRANSACTION FEES MAY APPLY1
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • E-STATEMENTS2

1. Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six (6) per calendar month with no transfers by check, draft, debit card, or similar order to third parties. More than eighteen (18) withdrawals in a calendar quarter may be charged an excessive transaction fee. Please see the bank's fee schedule for more details. You may make unlimited ATM withdrawals and unlimited withdrawals in person at a teller window. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and PeoplePay. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank and has had no more than six overdraft occurrences within the past or current calendar year. PeoplePay requires a Checking account with the Bank for at least 30 days. PeoplePay may have age restrictions. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs.

Statement Savings

  • VARIABLE INTEREST RATE WITH INTEREST PAID QUARTERLY
  • NO MINIMUM OPENING DEPOSIT NEEDED
  • $200 MINIMUM DAILY BALANCE REQUIREMENT TO AVOID A $10 FEE PER CALENDAR QUARTER
  • EXCESSIVE TRANSACTION FEES MAY APPLY1
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • E-STATEMENTS2

1. Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six (6) per calendar month with no transfers by check, draft, or similar order to third parties. More than eighteen (18) withdrawals in a calendar quarter may be charged an excessive transaction fee. Please see the bank's fee schedule for more details. You may make unlimited ATM withdrawals and unlimited withdrawals in person at a teller window. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and PeoplePay. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank and has had no more than six overdraft occurrences within the past or current calendar year. PeoplePay requires a Checking account with the Bank for at least 30 days. PeoplePay may have age restrictions. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs.

Personal Passbook Certificate of Deposit Account

  • Minimum Deposit to open is $10,000.
  • Competitive interest rate
  • Interest is compounded and paid monthly
  • You receive a personalized passbook where all of your transactions are recorded.
  • Make up to two in-person withdrawals per month
  • Unlimited deposits
  • FREE Online Banking and Telephone Banking Services

Christmas Passbook Savings Account

  • No monthly service charge
  • Interest is compounded and paid quarterly
  • You receive a personalized passbook where all of your deposits are recorded.
  • Withdrawals before maturity are not permitted
  • Account balance will be disbursed by check at the end of the third quarter each year
  • FREE Online Banking and Telephone Banking Services

Accounts closed in person or by mail, will have all accrued interest greater than $1.00 paid at that time of closing.  If the account is closed without notice to the bank, no interest will be paid for the period.

Money Market

  • TIERED AND VARIABLE INTEREST RATE WITH INTEREST PAID MONTHLY
  • $100 MINIMUM OPENING DEPOSIT NEEDED
  • $2,500 MINIMUM DAILY BALANCE OR $5,000 AVERAGE DAILY BALANCE REQUIREMENT TO AVOID A $15 FEE PER MONTHLY STATEMENT CYCLE
  • EXCESSIVE TRANSACTION FEES MAY APPLY1
  • ONLINE & MOBILE BANKING2
  • REMOTE DEPOSIT2
  • E-STATEMENTS2

1. Transfers from a money market account to an account of the same depositor at this bank or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, or similar order to third parties are limited to six (6) per monthly statement cycle. More than six (6) withdrawals in a monthly statement cycle may be charged an excessive transaction fee. Please see the bank's fee schedule for more details.  You may make unlimited ATM withdrawals and unlimited withdrawals in person at a teller window. 2. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/Remote banking and PeoplePay. Mobile/Internet connectivity is required. Remote Deposit requires established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank and has had no more than six overdraft occurrences within the past or current calendar year. PeoplePay requires a Checking account with the Bank for at least 30 days. PeoplePay may have age restrictions. Cardless Cash requires a checking account with the Bank and debit card with the bank and is available only at Wintrust Community Bank ATMs.