Citizens Financial Bank in Bolingbrook, IL

Not only does Citizens Financial Bank specialize in personal and business banking, its motto is "personal, personal banking" and it prides itself on deep relationships with clients, which includes relatively late bank business hours. Part of what works for customers of Citizens is the emphasis on local decision-making by the branches, rather than a corporate office. Citizens currently offers a 3.75 percent APR home equity line of credit and, after 12 months, adjusting as low as 4.5 percent APR financing.