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At Old Plank Trail Community Bank, 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 Old Plank Trail Community Bank we’re proud to make all lending decisions here in Frankfort, Mokena, New Lenox and Orland Park. 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.

Construction Loans

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

Lot Financing Program

  • 50% Financing Alternative—We will lend up to 50% of the lesser of the purchase price of the lot or the appraised value if you provide collateral in addition to the lot itself. This allows you to keep your cash invested and working for you while the cost of credit still a bargain.
  • Interest Rate—Please see the bank for rate and disclosure information.
  • Term—Please call the bank for term options.
  • Principal—We will bill you at maturity for the loan's principal. You can, however, pre-pay the principal without penalty, at any time.
  • Contact Loan officer for further details.
  • Fees – The borrower is responsible for all out of pocket fees.

Construction Financing Program

  • The bank will lend up to 80% of the lesser of the total cost to build (including the lot), or the appraised value (including the lot).
  • Interest Rate—Please see the bank for rate and disclosure information.
  • Fees – There will be a title company lien waiver exam fee (this protects both you and us from contractor liens), an appraisal fee, and customary recording costs. Other fees may apply. The borrower is responsible for all out of pocket fees.
  • The bank requires that the borrower have an additional 5% of the construction loan amount available in liquid assets; above the 20% down payment.
  • Term—1 year
  • 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 one of our Residential Mortgage Specialists.

Please call (708) 478-4447 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 (708) 478-4447 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
  • Loan to value up to 100% for new and up to NADA loan value or Kelley Blue Book loan value for used

Please call (708) 478-4447 and talk to one of our friendly Personal Bankers for more information.

Contact Us


If you’re in the market for a loan, we encourage you to give us a call at (708) 478-4447 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 Old Plank Trail Community Bank, we understand the local market and we care about our customers financial well-being!