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TERMS, Minimum Deposit, Interest Rate1, APY2. Day, $1,, , 1 Year (12 months), $1,, , 2 Year (24 months), $1,, , Crystal Lake Bank & Trust provides Illinois with the resources of a big bank while maintaining the personalized service of a true local community bank. Best Savings Accounts near Crystal Lake, IL � 1. Home State Bank. (2 reviews). Banks & Credit Unions � 2. Advia Credit Union. (1 review) � 3. BCU. (