Secure Online Banking

Rate Center:

15 Month FLEX CD: 1.16% APY
30 Month FLEX CD: 1.51% APY
60 Month CD: 1.41% APY

Rates are not guaranteed and are subject to change without notice.

more >>

Loan Products

Residential Real Estate

Whether you are considering refinancing an existing mortgage, purchasing your first home, or expanding to a larger home, West Central Bank has many options available. Our staff will guide you through the home mortgage process and answer all of your questions quickly and easily. WCB has a strong and knowledgeable staff that is determined to meet your mortgage needs.  For additional information, contact our mortgage lenders at any of our four locations. 

We offer the following types of Mortgage loans: 

  • Conventional Fixed Rate*
  • Veterans Administration (VA)
  • Rural Housing
  • Adjustable Rate Mortgage
  • Balloon


West Central Bank is a participant in the Downpayment Plus program.  Please click here for more information about this program.


West Central Bank offers a wide variety of installment loans in order to accommodate all of your personal needs.  These different types of installment loans are customized to meet your budget and personal demands.  Whether you are buying a new automobile or considering home improvements, WCB has the loan for you.

We offer the following types of Installment loans: 

  • Auto
  • Personal- Secured & Unsecured
  • Recreational Vehicle 
  • Home Improvement


Commercial Lending 

Whether refinancing your existing business or starting a new business, our commercial lending staff will help you fulfill your financial goals and decide on a loan that is best for you and your business.  West Central Bank has a variety of business products to best fit your needs.  

We offer the following types of Commercial loan products: 

  • Commercial Real Estate
  • Business Lines of Credit
  • Inventory & Equipment Loans
  • Small Business Loans (SBA) including 7A & 504 Loan Programs


Agricultural Lending

West Central Bank has over 70 years of agricultural business experience.  WCB is approved by the Farm Service Agency and the Illinois Finance Authority as an agricultural lender.  In addition, we are also an approved Ag lender by the USDA.  Our experienced lenders manage land in surrounding counties including Sangamon and Cass.  For additional information, contact an agricultural lender at one of our four locations. 

We offer the following types of Agricultural loan products: 

  • Agricultural Real Estate 
  • Operating Lines of Credit 
  • Farm Equipment Loans


* Present program only allows for monthly payments