Edyta Pluta-Czarnecki  Photo

Edyta Pluta-Czarnecki

Mortgage Banker


  • VA Loan Specialist
  • FHA 203k Specialist
Edyta Pluta-Czarnecki was born and raised in the South East part of Poland where she graduated from the local college with a degree in psychology. After graduation, Edyta relocated to the United States to continue her life journey and has called Illinois home for over thirty years.

Edyta has over twenty years of experience in the mortgage industry. Before joining The Federal Savings Bank, for five years she worked for a private investor on non-performing mortgage accounts. This allowed her to develop additional outlook on foreclosure process outcomes and homeowners experiencing financial difficulties.

She continuously assists clients in making positive decisions for their future. In addition to acting as a trusted guide to her clients, Edyta actively works to educate clients on their mortgage options and believes in helping people develop skills needed to maintain a positive financial lifestyle. By joining The Federal Savings Bank, Edyta can provide a wide array of products and unmatched service to her customers, realtors, and referral sources. She continues to focus on growing and improving daily, both personally and professionally.

Edyta’s biggest joy in life is her ten year old son Matthew, who loves to read and play soccer at the local park district. When away from work, she likes to travel locally as well internationally. She also enjoys being outdoors, is an avid hiker, cycler and loves DIY projects.


Edyta Pluta was very knowledgeable and professional, she went above and beyond to provide an outstanding service. Definitely will refer her to my friends and family and also will use her service in the future with another house.

- Agnieszka N
Edyta Pluta-Czarnecki kept me informed and was great. She did a wonderful job. She worked with us in all of the process and was very helpful.

- David H
Our loan officer has literally made our dream house come true. We were in a tough situation when we were faced moving again to another rental and Edyta saw our concerns on Facebook and showed us how we should buy instead of rent. I never would have had the confidence to do this without her reaching out. She was super responsive and knowledgeable. She was always there for communication during the process. She stayed super positive even with the constant nagging questions we threw at her. Because of her, our family now can finally set roots down. Thank you!

- John C
Edyta was very professional and super helpful. She's very knowledgeable and a really good advisor. I will definitely recommend her to all my friends and family.

- Katarzyna B
Great costumer service! Edyta was very knowledgeable and on track of everything ready to answer all the questions. Very recommendable!

- Katarzyna B
Edyta Czarnecki is very professional and patient with customers. She takes time to understand clients' needs and explaining everything very well. I am very happy with the results and I will for sure be a returning customer. Thank you!

- Margaret F
Miss Edyta Czarnecki is very professional and patient with customers. Takes time to understand a client's needs, explaining everything very well. I am very happy with the results and I will for sure be a returning customer. Thank you!

- Margaret F
As a small business owner I have an insight to what makes a valuable employee knowledgeable, prompt, great customer service, and pride in their work. Edyta excels in all of these areas plus she cares about her clients and is a tireless worker, working late regularly! I felt very lucky to have someone like Edyta!

- Mark F
I am very pleased with the entire process! Thank you The Federal Savings Bank, and to everyone who helped me purchase my home!

- Nancy K
Edyta was wonderful. Prompt, extremely helpful and a pleasure to work with. Our loan actually closed six days earlier than scheduled in the offer/acceptance.

- Philip M
We were granted a mortgage at a very good rate. It was prompt and much less stressful than any previous experiences.

- Ralph B
Edyta was the best banker I ever worked with. Very quick, professional, and responsive. Would highly recommend to others.

- Wojciech M