US Bank Directory
Banks in Clay City, IL
1 FDIC-insured bank operates 1 office in Clay City, Illinois.
Source: FDIC BankFind, data as of September 5, 2026.
Bank branch map: Clay City
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: 1 institution operates 1 location in Clay City, according to the FDIC. 1 of them has coordinates on record and is on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.
Branches: FDIC, NCUA. Streets: loading.
1 location 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 in Clay City
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: The Clay City Banking Co. is the only bank with an office in Clay City. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
The Clay City Banking Co. Bank · 1
The Clay City Banking Co. has 1 branch in Clay City, 4 across Illinois and 4 nationwide. FDIC records list its main office in Clay City, IL and show it operating since 1892. With $253.3 million in total assets on June 30, 2026, it ranks No. 2,710 of 4,232 U.S. banks by total assets. Its main office at 331 S Main St dates to 1892 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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Main Office main office331 S Main St, 62824
Banking in Clay City: the local picture
Short answer: 1 bank runs 1 branch in Clay City according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
The Clay City Banking Co. has its main office in Clay City, according to the FDIC.
The bank with the longest record here is The Clay City Banking Co., operating since 1892 according to the FDIC.
The one location here does not publish hours in the sources this page uses. Each branch links to the bank's own site.
Chase, Bank of America and other national banks
Which big national banks have branches in Clay City, and where the nearest one is if they do not.
Short answer: No branches in Clay City: Chase (nearest in Belleville, 86 mi), Wells Fargo (nearest in Canton, 157 mi), Bank of America (nearest in O Fallon, 85 mi), PNC Bank (nearest in Edwardsville, 86 mi), U.S. Bank (nearest in Mount Vernon, 41 mi), Truist, Fifth Third Bank (nearest in Effingham, 32 mi), Huntington (nearest in New Lenox, 196 mi), Regions Bank (nearest in Robinson, 40 mi), TD Bank, BMO (nearest in Belleville, 87 mi).
| Bank | In Clay City | Nearest branch if none here |
|---|---|---|
| Chase | None | Belleville, 86 miles away |
| Wells Fargo | None | Canton, 157 miles away |
| Bank of America | None | O Fallon, 85 miles away |
| PNC Bank | None | Edwardsville, 86 miles away |
| U.S. Bank | None | Mount Vernon, 41 miles away |
| Truist | None | none in Illinois |
| Fifth Third Bank | None | Effingham, 32 miles away |
| Huntington | None | New Lenox, 196 miles away |
| Regions Bank | None | Robinson, 40 miles away |
| TD Bank | None | none in Illinois |
| BMO | None | Belleville, 87 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Clay City 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 Clay City residents like anyone else.
Banks near Clay City
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Flora (7 miles) and Louisville (11 miles). Effingham, 32 miles away, has the most banks nearby: 9.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Flora, IL | 7 mi | 4 | 6 |
| Banks in Louisville, IL | 11 mi | 3 | 3 |
| Banks in Olney, IL | 15 mi | 4 | 6 |
| Banks in Fairfield, IL | 21 mi | 3 | 3 |
| Banks in Newton, IL | 23 mi | 3 | 4 |
| Banks in Farina, IL | 25 mi | 2 | 2 |
| Banks in Bridgeport, IL | 32 mi | 2 | 2 |
| Banks in Effingham, IL | 32 mi | 9 | 16 |
Bank branch openings and closings in Clay City
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Clay City 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 Clay City
Short answer: 1 institution has its main office in Clay City: The Clay City Banking Co..
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| The Clay City Banking Co. | Bank | $253.3 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Clay City by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Clay City offices.
Short answer: The Clay City Banking Co. is the largest bank with offices in Clay City, with $253.3 million in total assets on June 30, 2026, No. 2,710 among U.S. banks by total assets. 1 of the 1 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| The Clay City Banking Co. | $253.3 million | No. 2,710 | 1 | Clay City, 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 Clay City: FAQ
How many banks are in Clay City, IL?
Clay City has 1 bank with 1 branch, according to FDIC data as of September 5, 2026.
Is there a Chase in Clay City, IL?
No. FDIC data lists no Chase branch in Clay City as of September 5, 2026. The nearest is in Belleville, about 86 miles away in a straight line.
Which banks are headquartered in Clay City?
The Clay City Banking Co. has its main office in Clay City, according to the FDIC.
What is the oldest bank in Clay City?
The Clay City Banking Co. has the longest record among banks with a branch here: the FDIC shows it operating since 1892.
Did any bank branches open or close in Clay City 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 Clay City?
Nearby cities with more banks include Flora, Louisville, Olney. Flora is 7 miles away with 4 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 |
| 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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