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Deposit Rates 
(view more rates & disclosures)
Top Rate APY Interest Rate
Spectrum 23 Month CD 4.10 % 4.02 %
Spectrum 13 Month CD 4.25 % 4.16 %
Spectrum 8 Month CD 3.75 % 3.68 %
Spectrum MM 3.25 % 3.20 %
Spectrum Checking 2.00 % 1.98 %
Loan Rates
(view more rates & disclosures)  
Top Rate APR Interest Rate

5/1 ARM

 4.750% 5.750%

 

 

Personal Deposit Accounts

No matter what your income, age or financial goals, insured deposit accounts and services from BankFinancial can help you do more with your money. Make the switch today with our Easy Switch Kit.

Bank Cards

Account Access

Current Rates

Personal Checking Accounts

Do more in less time with a checking account from BankFinancial. Enhance any of our checking accounts with:

Totally Free Checking - (details)

Spectrum Direct Checking - (details)

*Free ATM does not include the surcharge that may be assessed by the owner of the ATM. 

Spectrum Select Checking - (details)

*Free ATM does not include the surcharge that may be assessed by the owner of the ATM.

Lifestyle 50 Checking - (details)

Student Checking - (details)

Graduate Checking - (details)

*Free ATM does not include the surcharge that may be assessed by the owner of the ATM.

Wealth Management Checking - (details)

*Free ATM does not include the surcharge that may be assessed by the owner of the ATM.

Personal Money Market Accounts

Your money will do more for you in a higher yielding Personal Money Market account, without the time commitments required by Certificates of Deposit and other term investments.

Money Market Account - (details)

  • Earns competitive interest on balances of $1,000 or more

Spectrum Select Money Market - (details)

*Free ATM does not include the surcharge that may be assessed by the owner of the ATM.

Savings and CDs

Do more to reach your savings goals with a high-earning, insured investment from BankFinancial.

Certificates of Deposit - (details)

  • Receive higher yields and guaranteed safety with a Certificate of Deposit

Loan on Deposit

Need immediate access to your BankFinancial CD funds, which have not yet matured? Obtain a Loan on Deposit by using an existing BankFinancial CD as collateral.

  • For rates, call our Customer Service Center at 800-894-6900.

Get FDIC Insurance on Deposits that exceed FDIC limits.

Certificate of Deposit Account Registry Service (CDARS) - (details)

Looking for a way to keep large deposits safe? Ask us about CDARSŽ. It's a great solution for: businesses, nonprofit organizations, public funds managers, trustees, financial advisors, individuals, credit unions and IRAs.

With CDARS, you can receive up to $30 million in FDIC protection through BankFinancial. One bank. One rate. One statement. It's that easy!

There are few guarantees in life. FDIC insurance is one of them. CDARS can be a valuable cash management or longer-term investment tool for you or your business.*

*Funds may be submitted for placement only after a depositor enters into the CDARS Deposit Placement Agreement with BankFinancial. The agreement contains important information and conditions regarding the placement of funds by us.

Personal Savings Account - (details)

  • Earn interest on funds you've set aside for short-term goals
  • Choose a statement or passbook savings

Kids Savings - (details)

  • The perfect account for kids learning to save
  • Earns interest
  • Choose a statement or passbook savings

Holiday Club Savings Account - (details)

  • Save regularly and receive a check for your savings just in time for the holidays

U.S. Savings Bonds - purchase them online today!

  • A stable investment
  • Makes great gifts

Individual Retirement and Education Plans

Do more with your funds for retirement or education through a variety of BankFinancial tax-advantaged accounts and services. Check out our Retirement Calculators to answer some retirement goal questions.

Self-Directed Retirement Management Account - (details)

  • Gives you the flexibility to manage your investments quickly and without penalty
  • Earn money market interest rates on your retirement funds - current rates

Traditional IRA - (details)

  • Allows you to choose from a variety of investment options
  • Earn tax benefits on contributions**

Roth IRA - (details)

  • Allows you to choose from a variety of investment options
  • Earn tax benefits on contributions**

Coverdell Education Savings Account (CESA)** - (details)

  • Put money aside for your child's or grandchild's education
  • Earn valuable tax benefits for yourself

**Consult your tax advisor.

Overdraft Protection

Do more to protect yourself from costly and embarrassing overdrafts.

Savings Sweep - (details)

  • Automatically transfers funds from savings to checking to cover overdrafts

Home Equity Line of Credit Overdraft Protection - (details)

  • Use your Home Equity Line to cover larger overdrafts

BankFinancial will only open deposit accounts for consumers in the Chicagoland area, which includes the following counties: Cook, Will, DuPage, Kane, McHenry, Lake, Kendall, Grundy, and Kankakee in Illinois, and Lake and Porter in Indiana.

VisaŽ Check Card

Works like a check, but does more:

Click here to apply. Businesses can apply here. Report your card lost or stolen.

*Some usage fees may apply. See our Schedule of Fees for details. Click here to view the Electronic Funds Transfers & ATM's Policy.

VisaŽ Credit Card

You may choose from a variety of BankFinancial VisaŽ Credit Cards, each designed to match your different needs. Whichever card you choose, you’ll enjoy valuable benefits like:

  • Rewards such as miles, cash back or gifts - available with most cards
  • Free online account access
  • Visa's Zero Liability protection for unauthorized use of your card
  • Verified by VisaŽ  Program to protect your online purchases with a personal password
  • Car rental discounts with Alamo, Avis, Hertz and National
  • 24-hour Cardmember Service 

Click here to apply or pick up an application at your nearest BankFinancial branch. For existing cardholders, you can access your account here.

Verified by VisaŽ

Verified by Visa protects your existing Visa card with a personal password, giving you reassurance that only you can use your Visa card online.

  • Once your card is activated, your card number will be recognized whenever you purchase at participating online stores
  • Enter your password in the Verified by Visa window, your identity will be verified, and the transaction will be completed
  • In stores that are not yet participating in Verified by Visa, your Visa card will continue to work as usual
  • For more information, visit the Visa website

ATM Card

  • Withdraw funds
  • Transfer funds
  • Make balance inquiries
  • No monthly fee
  • Transactions at BankFinancial ATM locations are free with all our checking accounts*

Click here to apply. Report your card lost or stolen.

*Some usage fees may apply. Check ourSchedule of Fees for details.  Click here to view the Electronic Funds Transfers & ATM's Policy.

Bank-by-Phone - 800-244-BANK (2265)

  • Available 24 hours a day, 7 days a week
  • Check your balance
  • Transfer funds from one account to another
  • Listen to our current rates

View the Bank-by-Phone setup instructions 

Click here for the Bank-by-Phone flow chart.

Personal Services
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Earn 3.25 % APY On Your Higher Balances!
Check out our high yielding Spectrum Select Money Market
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Apply Online!
Home Equity & Home Equity Line of Credit Loans. Below Prime all the time HELOC.
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Score Big Rewards with Checking!
Earn bonus points for making everyday purchases.
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Member FDIC ˇ Equal Housing Lenderˇ Š 2008 BankFinancial