Skip to Main Content
Alvy+, a new digital banking experience is here! Download today!

Town and Country Bank

Main Navigation

  • Careers
  • Contact
  • Search
  • Pay Loan
    • Make a Mortgage Payment
    • Make a Loan Payment
  • Login
    • Online Banking
    • Home Loan
    • Make a Mortgage Payment
    • Trust & Investment Services
    • Make a Loan Payment
    • Credit Card
  • Menu
  • Home
  • Personal Banking
    • Personal Checking Accounts
    • Personal Savings Accounts
    • Loans
      • Auto Loans
      • Personal Loans
      • Home Equity
      • Land & Lot Loans
      • Bridge Loans
    • Make a Loan Payment
    • Personal Debit and Credit Cards
  • Business Banking
    • Business Lending
    • Business Accounts
    • Treasury Management
    • Business Debit and Credit Cards
    • Alternative Financing Options
    • Meet Our Business Bankers
    • Request a Business Financial Review
  • Home Loans
    • Find the Perfect Home Loan
    • Meet our Mortgage Lenders
    • Mortgage Calculators and Rates
    • Mortgage FAQs
    • Community Mortgage Partners
      • About Us
      • Our Services
      • Our Loan Products
      • Contact
  • Trust & Investments
    • Personal Financial Planning Services
    • Business Financial Planning Services
    • Meet our Trust & Investments Team
  • Customer Support
    • Online & Mobile Banking Services
    • Account Resources
      • Overdraft Protection
      • Reorder Checks
      • Financial Calculators
      • Switch to Us
      • Online Forms
      • Online Security
      • FAQs
    • Additional Services
  • Sprig The Word Blog
  • Our Team
  • About Us
    • Community Support Request
    • About Our Bank
    • Investor Relations
    • Diversity, Equity, and Inclusion
    • Locations & Hours
    • Careers
      • Careers in Mortgage Lending
      • Commercial Banking Development Program
    • Events Calendar
    • News
      • 2022 Financial Reports
      • 2021 Financial Reports
      • 2020 Financial Reports
    • Contact Us
    • Connect With Us

  • Business Banking
  • Business Lending

Public Finance

At Town and Country Bank and Peoples Prosperity Bank, we believe in investing in our communities. Our team has developed a public finance package that includes public fund deposit offerings and treasury management solutions. You'll also benefit from our local expertise—we have Public Finance experts who have built relationships with local engineers, attorneys, bond counsel, and municipal vendors to realize efficiency which makes repeat and additional projects a simple process for your municipality.

What can municipal financing be used for?

Local governments were hit especially hard by the Great Recession. Many municipalities in Central Illinois and Metro East are still recovering, which means stretching already thin budgets to keep up with the services your residents count on. When the need arises for one-time repairs and projects, Town and Country Bank and Peoples Prosperity Bank can help you obtain financing that fits your budget and keeps things running smoothly.

  • Utility upgrades: water treatment plants, sewer system, water drainage and levee districts
  • Equipment purchases: fire trucks, fleet vehicles, school buses
  • Buildings: new buildings or major upgrades to existing buildings
  • Small project needs

What are the different types of municipal loans?

Our public finance lenders can help you determine the best municipal loan option for your municipal budget and project needs.

Municipal Term Loans

When you need a specific amount of financing for a project or purchase, a municipal term loan from Town and Country Bank and Peoples Prosperity Bank may be your best option. When you finance capital investments with a term loan, you can spread the cost over time, so both current and future taxpayers can enjoy and help pay for the improvement.

  • Fixed or variable interest rate
  • Choose from different term lengths.
  • Flexible principal and interest payment plans

Attentive, friendly service from application to closing

Town and Country Bank and Peoples Prosperity Bank is proud to be one of the best public finance lenders in Central Illinois and Metro East. As a community bank, we understand the valuable role capital improvements play in creating a thriving community. Whether you're new to municipal financing or not, our Public Finance experts are available to assist you throughout the application process, from collecting the necessary financial documents to being the first to say, "Congratulations!" at your loan closing.

Ready to learn more about our municipal finance loans? Request a consultation with our business lending team or visit your local branch in Central Illinois and the Metro East.

Open a Business Account
Request a Business Financial ReviewBusiness Financial Review
Meet Our Business BankersMeet the team


  • Facebook Logo
  • Twitter Logo
  • LinkedIn Logo
  • Contact Us
  • Locations & Hours
  • Financial Calculators
  • Careers
  • Financial Privacy Disclosure
  • Electronic Documents (Paperless) Disclosure
  • Other Disclosures
  • Financial Privacy Opt Out Form
  • Community Support Request
  • Routing Number: 071123262
  • NMLS# 411614
    Town and Country Bank
  • NMLS# 423128
    Town and Country Banc Mortgage Services, Inc.
  • Go to FDIC website
  • Go to Equal Housing Lender website
  • Go to AARP BankSafe Trained institution website

Copyright © 2022 Town and Country Bank All Rights Reserved. An Illinois State chartered banking organization. | Please note that Investments are not a deposit, not FDIC Insured, not insured by any federal government agency, not guaranteed by the bank and may go down in value.

Privacy Policy

Town and Country Bank is regulated by the Federal Reserve Bank of Chicago. For accolades or complaints, please contact us by sending a letter to: Customer Relations Office, 3601 Wabash Ave., Springfield, Illinois 62711. If there is no sensitive customer information, such as social security or account numbers, you can send feedback to the following email address: customerrelations@townandcountrybank.com

You Are Now Leaving

You are now leaving the Town and Country Bank/Peoples Prosperity Bank website. You are about to access a third party web site or service that is not owned or controlled by Town and Country Bank/Peoples Prosperity Bank and therefore, may not be FDIC insured.

While we believe these resources are reliable, Town and Country Bank/Peoples Prosperity Bank is not responsible for and will not guarantee the products, services, information, or content provided by this third party.

Continue Cancel ×