St. Charles Bank & Trust Company: Current Interest Rates, Savings/Checking Accounts, Ratings & Complaints

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St. Charles Bank & Trust Company, formerly known as STC Capital Bank, is based in St. Charles, Illinois. It is a community bank serving the western suburbs of Chicago. Founded in 2006, its previous name (STC) was an acronym for Service, Trust and Commitment. St. Charles Bank offers a full range of banking products for consumers and businesses, including CDs, home loans, mortgage refinancing, and home equity loans.

Today, St. Charles Bank has two locations, both in St. Charles, IL. In June of 2013, the bank announced that it will merge with the Bank of Palatine, adding a third branch in Palatine, IL. After the merger is complete, the bank will have $210 million in assets.

As a community lender, St. Charles Bank has a number of interesting products to offer to local consumers. One of these products is called Relationship Checking, which is designed to reward banking customers who use St. Charles Bank for multiple services. Consumers with relationship checking can receive better rates on things such as savings accounts and home loans.

St. Charles Bank is also an experienced mortgage lender with a reputation for competitive mortgage rates. Whether you are looking to buy your first home, refinance a mortgage, or pull equity out of your home with a home equity loan, St. Charles Bank has you covered. Additionally, the bank offers a wide array of mortgage products, including fixed and adjustable rate loans, and VA products.


1. 460 South 1st Street, St. Charles, IL 60174
2. 2825 Foxfield Rd, St. Charles, IL 60174
3. 1 E. Northwest Highway, Palatine, IL 60067 (Bank of Palatine location)

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