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At McHenry 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 McHenry Bank & Trust we’re proud to make all lending decisions here in Crystal Lake, Cary, McHenry and Algonquin. 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 (815) 344-6600 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

Construction Loans

From construction loans to the end mortgages, we can help you get the best interest rates in the marketplace. We also provide superior service to ensure that you are completely satisfied. Here is a summary of our Construction Financing programs:

Construction Financing Program

  • 100% Financing Alternative--Similar to the lot financing choice, we will finance up to 100% of your new construction cost if you pledge assets in addition to the lot/home package. This allows you to keep your cash invested and working for you while the cost to borrow money is still a good deal.
  • Standard Alternative--If you elect to invest your cash in the lot at the time of the closing, but do not wish to pledge assets beyond the lot, we will lend you up to 75% of the appraised completion value of the lot/home package.
  • Interest Rate--We will bill you for interest.
  • Fees--There will be a title company lien waiver exam fee (this protects you and us from contractor liens), an appraisal fee, and customary recording costs. Other fees may apply.
  • Term--We will structure your loan term to meet the timing needs of your particular project.
  • Contact a Loan officer for further details.

End Mortgage Loan

Your home is a significant investment. Mortgage choices are dizzying these days. We want you to feel comfortable with your home financing arrangement. Our end mortgage loan alternatives are designed to meet your individual financial situation. For more information contact our Residential Mortgage Lender.

Please download our construction/lot loan application, fill it out completely and mail, fax or drop it off at the bank. 

Debt Consolidation Loans

Products & Programs

  • Many ways to restructure debt
  • Fixed or variable rate loans
  • Flexible terms
  • Lower your monthly payments

Please contact us if you have any questions.

Contact Us


If you’re in the market for a loan, we encourage you to give us a call at (815) 344-6600 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 McHenry Bank & Trust, we understand the local market and we care about our customers financial well-being!