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At St. Charles Bank & Trust™, we’re here to provide you with financial solutions for all your lending needs. Whether you are looking for a loan, mortgage, or line of credit, our knowledgeable and experienced lending team will explain our lending options to you in a straightforward manner.

Unlike big banks, at St. Charles Bank & Trust™ we’re proud to make all lending decisions here in St. Charles, Geneva, Elgin and Aurora. Since our decision-makers work in the bank each day, they’ll review your loan application and respond within a few days. Our goal is to make getting a loan an easy and stress-free process!

Some of our loan products include:

Home Equity Lines of Credit

Our home equity lines of credit can be used for a variety of purposes, may be tax deductible (consult your tax advisor) and provide a lower cost way to borrow for:

  • Improving your home
  • Purchasing a vehicle
  • Paying off medical bills
  • Consolidating debt
  • Paying off a credit card balance while lowering your cost of borrowing

Give us a call or stop in today for more information.

Overdraft Protection

Our Overdraft Protection Account allows you to cover the unexpected opportunity or the occasional overdraft.

•    Fixed interest rates
•    Flexible line amounts
•    Requires credit approval

Call (630) 377-9500 for more information or talk to one of your friendly personal bankers at your nearest Wintrust Community bank


Auto Loans

Products & Programs

  • Flexible terms
  • Quick turnaround
  • Competitive rates
  • New or used vehicles


Contact Us


If you’re in the market for a loan, we encourage you to give us a call at (630) 377-9500 or stop by the bank to meet with our lending team at any of our locations. If you prefer to communicate electronically, please fill out this contact form, and a bank representative will get in touch with you shortly.  At St. Charles Bank & Trust™, we understand the local market and we care about our customers financial well-being!