Joe Varney Photo

Joe Varney

Vice President


Joe Varney earned a Bachelor of Science degree in Finance from Illinois State University in 1987 and has enjoyed a career in finance related sales ever since. He joined Chicago Bankcorp in 2004 and recently joined The Federal Savings Bank in 2012. Joe prides himself on personalized service and attention to detail.  

Joe soon realized that in treating his customers as he would like to be treated, not only would the client be satisfied, they in turn would refer their friends and family member’s business to him as well.   Joe considers these referrals the ultimate endorsement of his commitment to his clients and welcomes you to experience a true professional for yourself.
Joe personally controls each stage of the lending process, from origination through funding and has many financing options available to assist his clients in achieving their goal of owning their own home.   He personally meets with every client to discuss their specific scenario and attends every closing.
Should you be in need of any mortgage services, please contact Joe for a free consultation.


My wife and I really enjoyed working with Joe V. and the rest of The Federal Savings Bank team. We were especially impressed with his ability to quickly handle everything during the loan process and find us the very best rate possible for our new home. Other than a minor hiccup with one of the lending banks not spelling my name correctly (which we caught before closing but was not corrected, not Federal Savings' fault) the whole process was stress free. We are going to hold onto Joe's contact information and definitely refer him to anyone we know that is purchasing a home.

- Bryan and Kristin V
Joe Varney was awesome. I've done a number of mortgage transactions over the years and Joe was, by far, the best I've worked with.

- James M
Joe Varney was exceptional!!!! No fluff, straight answers but always looking out for my best interest. Thank you!

- Joel V
Overall, it was a great and smooth experience working with Joe V. As it was the prior 2 times.

- Paul G
Overall we were very happy with our experience. I would have liked to get a slightly better rate, but I understand there were credit issues on my end that prevented that. Joe Varney was simply outstanding. He went above and beyond in every way and got us a mortgage that fit our needs. Joe was the most honest and forthcoming banker I've worked with. He addressed concerns that other banks didn't even make mention of. I was very confident that Joe had checked every detail before closing so there would be nothing to worry about.

- Samuel P
We lucked out, working with Joe. He was extremely communicative through-out the process. We always felt informed. Joe made responded to our calls and emails in a very timely manner. We really got the sense that he considered us a priority. Buying a home for the first time can be a daunting process, and it was great to have Joe on our team. He even came to our closing to make sure that everything went perfectly.

- Sheila S
I truly can't say enough good things about Mr. Varney. Very down-to-Earth, straight-forward, and a positively GREAT communicator. Any question or concern I may have had -- expressed via phone call, text, or email -- Joe responded IMMEDIATELY. And even though I threw a couple wrenches into the mortgage process, Mr. Varney never faltered. A true professional.

- Steven T
Joe knows his stuff! He was no-hassle, very straight to the point, and very effective at guiding me through the process.

- Thomas B