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McHenry Savings Bank

Agribusiness Investing

Agribusiness Investing Solutions

As your business grows and profits climb, you need that money to work for you. Investing business profits can drive future growth when done correctly, but that requires a dedicated, individualized approach. McHenry Savings Bank can help you reinvest your company’s profits to benefit your business in both the short and the long term, taking into account your specific goals. Meet your growth potential head-on with expert advice from MSB’s investment team.

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Certificates of Deposit (CDs)


CDs allow you to earn a higher return for your money based on the term you select. CDs earn a fixed rate for the term chosen and there may be a penalty for early withdrawal. This is an excellent option if, as an investor, you want to put your money somewhere for a specific amount of time. Terms range from 91 days to 60 months (5 years). At the end of the term, this product will automatically renew per the disclosure you are provided at account opening.

Money Market Accounts


Business Indexed Money Market 

You work hard for your money. Let your investments do the same with our Indexed Money Market Account. Get high rates you can trust. No maintenance necessary. This is a variable rate account product. Compare rates you are currently earning with what you could at MSB.

Make it one of your core accounts to continuously earn more, just for saving. That’s an easy job for you, and your cash. Your trust is our priority, so you won’t find surprises in our fine print. Transparency – that’s the McHenry Savings Bank way.

Indexed Money Market Account

Earn higher rate of interest than traditional Money Market Accounts.

  • Open an account with $10,000.
  • Interest compounded daily and credited to account monthly.
  • Maintain a daily balance of $5,000 to obtain disclosed annual percentage yield.
  • Waive maintenance fees for average account balance of $5,000 or greater.
  • Rate tied to Weekly Average 4-week Treasury bill secondary market rate1.

1A $10,000 minimum deposit is required to open Personal or Business account and obtain the stated Annual Percentage Yield (“APY”). Public Fund customers do not qualify. Interest Rate is based on the weekly average 4-week Treasury Bill secondary market rate as published by the Federal Reserve in their H.15 Release located at their website https://www.federalreserve.gov/releases/H15/#1. Interest is compounded daily and credited to account monthly. MSB, at its discretion, may offer a rate greater than the minimum allowable rate. Rates may change at any time. A minimum balance fee of $5.00 will be imposed every month if the daily balance in your account falls below $5,000.00 any day of the month. Maximum account balance may not exceed $2,000,000. Transaction limitations will apply. Fees may reduce earnings. Contact a Personal Banker for product details and account disclosure with full Terms and Conditions and Fee Schedule. MSB reserves the right to withdraw this offer any time.

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MSB Wealth Management


As a business owner, your needs and goals may differ from our personal clients. We work with you to create a plan you can feel good about when you are ready to retire. Our mission is to provide essential coaching and guidance for our family, friends, colleagues, and clients to accomplish the things in life that are truly important to them. Investing is about logical decision making to get you to your goals.

For more information please call (815) 331-6464.