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The choice of investments for your retirement funds is never easy. The funds you have saved for your retirement deserve special attention. How much you save and the returns on those funds may be the difference between being able to have the lifestyle you want during retirement or being forced to accept something less. We have many options for your money and want to help you manage your money in the best way possible. This time in your life may be the most enjoyable and relaxing. We want to help you enjoy the ride.

Fox Investors Money Market Account

This account features an interest-bearing savings account, with a tiered interest rate. The higher your balance, the more interest you’ll earn. The minimum to open is $2,500 and the minimum daily balance of $2,500 is required to avoid a $10.00 monthly fee. . Money Market Account holders may make unlimited deposits by mail, ATM, or in person. Up to six transfers or withdrawals each month with unlimited in-person teller withdrawals.

Certificates of Deposit

Fixed Rate Certificates of Deposit

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

  • 3 Month
  • 6 Months
  • 9 Months
  • 12 Months
  • 18 Months
  • 24 Months
  • 36 Months
  • 48 Months
  • 60 Months


From time to time we offer special fixed rate certificates of deposits with higher minimum balances for other monthly terms. Check out our CD Rates for current rates and specials.


Experience Savings

We know that you deserve more than a simple lifestyle advantage, you deserve The Experience at St. Charles Bank & Trust™. The Experience is your key to a better way of life.

  • To become a member you must have attained the age of 50 and better.
  • Members are required to maintain The Experience savings account with a minimum deposit required to open account of $100, encompassing the benefits of worldwide ATM/Debit/Membership card. This checking account along with Elgin State Bank checking, IRA, money market and/or Certificates of Deposit must have a combined minimum balance of $2,500 for individual membership of $4,000 for joint membership.

The Experience

Monthly Movie Meeting

The St. Charles Experience
Monthly Movie Blog

The Monthly Movie Meeting is on Thursday, September 11, 2014

Charlestowne 18 - Classic Cinemas 3740 East Main Street St. Charles, IL

Doors open at 8:15 a.m. – Meeting begins at 9 a.m.

Our Featured Guest Speaker will be: Michele Wilkinson from Mayflower Tours giving us a trip preview of our upcoming trip to Yellowstone, Grand Tetons, and Mt. Rushmore.

Membership is NOT required to attend, so please bring a friend along and enjoy the morning with us, a donut, coffee, and the viewing of a first run movie that is currently being shown at the theatre. This is a FREE Movie Meeting.

We will be offering 3 current films this month!

When the Game Stands Tall:

Rated: PG
Runtime: 1 hour 55 minutes
Genre: Drama
Cast: James Caviezel, Laura Dern, Michael Chiklis

The November Man:

Rated: R
Runtime: 1 hour 48 minutes
Genre: Action, Adventure, Suspense, Thriller
Cast: Pierce Brosnan, Olga Kuylenko, Catarina Scorsone, Bill Smitrovich, Will Patton

The Identical:

Rated: PG
Runtime: 1 hour 47 minutes
Genre: Drama
Cast: Ashley Judd, Ray Liotta, Amanda Crew, Seth Green





The Experience: 50 and better services

We know that you deserve more than a simple lifestyle advantage, you deserve The Experience at St. Charles Bank & Trust™. The Experience is your key to a better way of life.  

The Experience is a service of St. Charles Bank & Trust™ for customer's age "50 years and better" who maintain specific accounts at the bank.  Membership includes banking advantages along with social and entertainment opportunities.  Free, at-cost or discounted trips, seminars and publications are also part of membership benefits. 

Club Benefits:

  • Monthly movie meetings - first run features with coffee and doughnuts
  • Free or at cost travel opportunities, social activities, day trips, seminars and/or informal get-togethers for members
  • Informative newsletter from The Experience
  • Exclusive email updates

Membership Requirements:

  • To become a member, you must be age 50 or better.
  • Open and maintain an Experience Checking or Savings Account (Accounts require a minimum deposit of $100 to open)
  • Maintain a total balance relationship of:
        $2,500.00 for individual membership*
        $4,000.00 for joint membership*
  • *Can include any other deposit account(s)


The Experience Director:

Contact Kimberly Knes to learn even more about The Experience Club

at (847) 888-7979 or