US Bank Directory
Banks in Centralia, IL
6 FDIC-insured banks operate 7 offices in Centralia, Illinois, and 3 credit unions have 3 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Centralia
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 9 banks and credit unions operate 10 locations in Centralia, according to the FDIC and the NCUA. 10 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
10 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Centralia
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Peoples National Bank has the most locations in Centralia, with 2. The other 5 each have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Peoples National Bank Bank · 2
Peoples National Bank has 2 branches in Centralia, 21 across Illinois and 25 nationwide. FDIC records list its main office in Mount Vernon, IL and show it operating since 1909. With $2.08 billion in total assets on June 30, 2026, it ranks No. 588 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Centralia location is the Centralia Branch at 400 E Broadway, dating to 2001; the newest, at 901 W Broadway, to 2013. It does not publish hours in the sources this page uses; check its site before you go.
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Centralia Branch400 E Broadway, 62801
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Centralia West Branch901 W Broadway, 62801
Farmers State Bank of Hoffman Bank · 1
Farmers State Bank of Hoffman has 1 branch in Centralia, 3 across Illinois and 3 nationwide. FDIC records list its main office in Hoffman, IL and show it operating since 1911. With $232.1 million in total assets on June 30, 2026, it ranks No. 2,817 of 4,232 U.S. banks by total assets. The Centralia Branch at 255 S Commercial St dates to 1994 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Centralia Branch255 S Commercial St, 62801
Genfed Financial Credit Union Credit union · 1
Genfed Financial Credit Union has 1 office in Centralia, 2 across Illinois. It is based in Akron, OH and $332.3 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Centralia Office903 S Elm St, 62801
All hours
Mon to Thu 8:30 am to 4:30 pm; Fri 8:30 am to 5 pm; Sat 9:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Kaskaskia Valley Credit Union Credit union · 1
Kaskaskia Valley Credit Union has 1 office in Centralia, 3 across Illinois. It is based in Centralia, IL and $29.0 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Main Office main office401 S Poplar St, 62801
All hours
Mon 8:30 am to 5 pm; Tue 9 am to 5 pm; Wed to Fri not published; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Land of Lincoln Credit Union Credit union · 1
Land of Lincoln Credit Union has 1 office in Centralia, 15 across Illinois. It is based in Decatur, IL and $517.7 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Centralia234 N Poplar St, 62801
All hours
Mon to Fri 8:30 am to 4 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Midland States Bank Bank · 1
Midland States Bank has 1 branch in Centralia, 48 across Illinois and 60 nationwide. FDIC records list its main office in Effingham, IL and show it operating since 1881. With $6.69 billion in total assets on June 30, 2026, it ranks No. 233 of 4,232 U.S. banks by total assets. The Centralia Branch at 200 S Poplar St dates to 1879 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Centralia Branch200 S Poplar St, 62801
Regions Bank Bank · 1
Regions Bank has 1 branch in Centralia, 41 across Illinois and 1,256 nationwide. FDIC records list its main office in Birmingham, AL and show it operating since 1928. With $159.79 billion in total assets on June 30, 2026, it ranks No. 27 of 4,232 U.S. banks by total assets. The Centralia Branch at 1324 W Broadway dates to 2009 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Centralia Branch1324 W Broadway, 62801
The Bradford National Bank of Greenville Bank · 1
The Bradford National Bank of Greenville has 1 branch in Centralia, 10 across Illinois and 10 nationwide. FDIC records list its main office in Greenville, IL and show it operating since 1867. With $722.8 million in total assets on June 30, 2026, it ranks No. 1,354 of 4,232 U.S. banks by total assets. The Centralia Facility Branch at 1425 E Mccord St dates to 1982 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Centralia Facility Branch1425 E Mccord St, 62801
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Centralia, 153 across Illinois and 2,097 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1863. With $705.55 billion in total assets on June 30, 2026, it ranks No. 6 of 4,232 U.S. banks by total assets. The Centralia Branch at 201 N Elm St dates to 1865 in FDIC branch records. It opens on Saturday.
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Centralia Branch201 N Elm St, 62801
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Centralia
3 credit unions have 3 offices here: Land of Lincoln Credit Union, Genfed Financial Credit Union and Kaskaskia Valley Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Centralia page has every office in the state's directory.
Banking in Centralia: the local picture
Short answer: 6 banks run 7 branches in Centralia according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 6 banks, 0 have their main office in Centralia, 4 elsewhere in Illinois and 2 out of state, according to the FDIC.
The bank with the longest record here is U.S. Bank, operating since 1863 according to the FDIC. In FDIC branch records, the longest-running branch is U.S. Bank's office at 201 N Elm St, dating to 1865; the newest is Peoples National Bank's at 901 W Broadway, from 2013.
3 credit unions have 3 offices in Centralia, according to the NCUA. Who can join each one is on the credit unions page.
Of the 4 locations with published hours. 3 open on Saturday. 6 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Centralia
Short answer: 3 of the 4 Centralia locations with published hours open on Saturday, run by 3 institutions.
- U.S. Bank: 1 of 1 branch (201 N Elm St: Saturday 9 am to 12 pm)
- Genfed Financial Credit Union: 1 of 1 office (903 S Elm St: Saturday 9:30 am to 12 pm)
- Kaskaskia Valley Credit Union: 1 of 1 office (401 S Poplar St: Saturday 9 am to 12 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 6 of the 10 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Centralia, and where the nearest one is if they do not.
Short answer: In Centralia: U.S. Bank (1), Regions Bank (1). No branches in Centralia: Chase (nearest in Belleville, 43 mi), Wells Fargo (nearest in Canton, 148 mi), Bank of America (nearest in Belleville, 43 mi), PNC Bank (nearest in Fairview Heights, 46 mi), Truist, Fifth Third Bank (nearest in Mount Vernon, 19 mi), Huntington (nearest in Shorewood, 214 mi), TD Bank, BMO (nearest in Belleville, 44 mi).
| Bank | In Centralia | Nearest branch if none here |
|---|---|---|
| U.S. Bank | 1 branch | here |
| Regions Bank | 1 branch | here |
| Chase | None | Belleville, 43 miles away |
| Wells Fargo | None | Canton, 148 miles away |
| Bank of America | None | Belleville, 43 miles away |
| PNC Bank | None | Fairview Heights, 46 miles away |
| Truist | None | none in Illinois |
| Fifth Third Bank | None | Mount Vernon, 19 miles away |
| Huntington | None | Shorewood, 214 miles away |
| TD Bank | None | none in Illinois |
| BMO | None | Belleville, 44 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Centralia to the nearest branch in Illinois.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Centralia residents like anyone else.
Banks near Centralia
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Hoyleton (10 miles) and Salem (12 miles). Mount Vernon, 19 miles away, has the most banks nearby: 9.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Hoyleton, IL | 10 mi | 2 | 2 |
| Banks in Salem, IL | 12 mi | 5 | 8 |
| Banks in Carlyle, IL | 14 mi | 3 | 4 |
| Banks in Nashville, IL | 18 mi | 4 | 5 |
| Banks in Mount Vernon, IL | 19 mi | 9 | 13 |
| Banks in Breese, IL | 23 mi | 4 | 5 |
| Banks in Okawville, IL | 23 mi | 2 | 2 |
| Banks in Aviston, IL | 26 mi | 2 | 2 |
Bank branch openings and closings in Centralia
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Centralia between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Centralia
Short answer: 1 institution has its main office in Centralia: Kaskaskia Valley Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Kaskaskia Valley Credit Union | Credit union | $29.0 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Centralia by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Centralia offices.
Short answer: U.S. Bank is the largest bank with offices in Centralia, with $705.55 billion in total assets on June 30, 2026, No. 6 among U.S. banks by total assets. Regions Bank is second with $159.79 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
| Regions Bank | $159.79 billion | No. 27 | 1 | Birmingham, AL |
| Midland States Bank | $6.69 billion | No. 233 | 1 | Effingham, IL |
| Peoples National Bank | $2.08 billion | No. 588 | 2 | Mount Vernon, IL |
| The Bradford National Bank of Greenville | $722.8 million | No. 1,354 | 1 | Greenville, IL |
| Farmers State Bank of Hoffman | $232.1 million | No. 2,817 | 1 | Hoffman, IL |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Centralia: FAQ
How many banks are in Centralia, IL?
Centralia has 6 banks with 7 branches and 3 credit unions with 3 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Centralia?
Peoples National Bank, with 2. U.S. Bank has 1 and Regions Bank has 1.
Is there a Peoples National Bank in Centralia, IL?
Yes. FDIC data lists 2 Peoples National Bank branches in Centralia as of September 5, 2026. Its branches are listed under Peoples National Bank above, with the address and directions for each.
Is there a U.S. Bank in Centralia, IL?
Yes. FDIC data lists 1 U.S. Bank branch in Centralia as of September 5, 2026. The address and directions are under U.S. Bank above.
Is there a Regions Bank in Centralia, IL?
Yes. FDIC data lists 1 Regions Bank branch in Centralia as of September 5, 2026. The address and directions are under Regions Bank above.
Is there a Chase in Centralia, IL?
No. FDIC data lists no Chase branch in Centralia as of September 5, 2026. The nearest is in Belleville, about 43 miles away in a straight line.
Which banks in Centralia are open on Saturday?
U.S. Bank, Genfed Financial Credit Union and Kaskaskia Valley Credit Union publish Saturday hours for one or more Centralia locations. The Saturday section above lists each one with its hours. 6 of the 10 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Centralia?
Kaskaskia Valley Credit Union has its main office in Centralia, according to the FDIC and the NCUA.
What is the oldest bank in Centralia?
U.S. Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1863.
Which credit unions can I join in Centralia?
Land of Lincoln Credit Union, Genfed Financial Credit Union and Kaskaskia Valley Credit Union have offices in Centralia. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Centralia in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Centralia?
Nearby cities with more banks include Hoyleton, Salem, Carlyle. Hoyleton is 10 miles away with 2 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 3 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (1 of 7 branches: U.S. Bank) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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