US Bank Directory
Banks in Crystal Lake, IL
13 FDIC-insured banks operate 18 offices in Crystal Lake, Illinois, and 4 credit unions have 4 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: Crystal Lake
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: 17 banks and credit unions operate 22 locations in Crystal Lake, according to the FDIC and the NCUA. 22 of them have coordinates on record and are on the map. 11 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
22 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 Crystal Lake
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Crystal Lake Bank and Trust Company and Home State Bank have the most locations in Crystal Lake, with 3 each. 10 banks 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.
Crystal Lake Bank and Trust Company Bank · 3
Crystal Lake Bank and Trust Company has 3 branches in Crystal Lake, 6 across Illinois and 6 nationwide. FDIC records list its main office in Crystal Lake, IL and show it operating since 1997. With $2.26 billion in total assets on June 30, 2026, it ranks No. 549 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Crystal Lake location is its main office at 70 N Williams St, dating to 1997; the newest, at 5100 Northwest Hwy, to 2011. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office70 N Williams St, 60014
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Crystal Lake Branch27 North Main Street, 60014
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Crystal Lake Branch5100 Northwest Hwy, 60014
Home State Bank Bank · 3
Home State Bank has 3 branches in Crystal Lake, 7 across Illinois and 7 nationwide. FDIC records list its main office in Crystal Lake, IL and show it operating since 1915. With $776.0 million in total assets on June 30, 2026, it ranks No. 1,289 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Crystal Lake location is its main office at 40 Grant St, dating to 1915; the newest, at 611 S Main St, to 2004. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office40 Grant St, 60014
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The Fountains Of Crystal Lake Branch40 Grant St, 60014
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611 Main Banking Center Branch611 S Main St, 60014
BMO Bank · 2
BMO has 2 branches in Crystal Lake, 179 across Illinois and 988 nationwide. FDIC records list its main office in Chicago, IL and show it operating since 1947. With $254.97 billion in total assets on June 30, 2026, it ranks No. 16 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Crystal Lake location is the Crystal Lake Branch at 5545 Northwest Hwy, dating to 1992; the newest, at 1105 S State Route 31, to 2009. All 2 of its Crystal Lake locations with published hours open on Saturday.
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Harris Bank Branch1105 S State Route 31, 60014
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: BMO branch locator (All The Places), checked Oct 10, 2026
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Crystal Lake Branch5545 Northwest Hwy, 60014
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: BMO branch locator (All The Places), checked Oct 10, 2026
Advia Credit Union Credit union · 1
Advia Credit Union has 1 office in Crystal Lake, 7 across Illinois. It is based in Kalamazoo, MI and $3.97 billion 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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Crystal Lake7910 Us Highway 14, 60012
All hours
Mon to Thu 9 am to 5 pm; Fri to Sun not published
Hours: NCUA, March 31, 2026
American Community Bank & Trust Bank · 1
American Community Bank & Trust has 1 branch in Crystal Lake, 5 across Illinois and 5 nationwide. FDIC records list its main office in Woodstock, IL and show it operating since 2000. With $1.18 billion in total assets on June 30, 2026, it ranks No. 914 of 4,232 U.S. banks by total assets. The Crystal Lake Branch at 381 S Main St dates to 2005 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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Crystal Lake Branch381 S Main St, 60014
Associated Bank Bank · 1
Associated Bank has 1 branch in Crystal Lake, 28 across Illinois and 218 nationwide. FDIC records list its main office in Green Bay, WI and show it operating since 1874. With $51.76 billion in total assets on June 30, 2026, it ranks No. 49 of 4,232 U.S. banks by total assets. The Crystal Lake Branch at 180 W Virginia St dates to 1883 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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Crystal Lake Branch180 W Virginia St, 60014
Bank of America Bank · 1
Bank of America has 1 branch in Crystal Lake, 121 across Illinois and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. The Crystal Lake Branch at 99 Northwest Hwy dates to 2003 in FDIC branch records. It opens on Saturday.
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Crystal Lake Branch99 Northwest Hwy, 60014
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Baxter Credit Union Credit union · 1
Baxter Credit Union has 1 office in Crystal Lake, 9 across Illinois. It is based in Vernon Hills, IL and $6.50 billion 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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Crystal Lake415 S Main St, 60014
All hours
Mon to Fri 8:30 am to 5:30 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Chase Bank · 1
Chase has 1 branch in Crystal Lake, 265 across Illinois and 5,176 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1824. With $4.09 trillion in total assets on June 30, 2026, it ranks No. 1 of 4,232 U.S. banks by total assets. The Crystal Lake Main Branch at 550 Crystal Point Drive + Rt 14 dates to 1996 in FDIC branch records. It opens on Saturday.
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Crystal Lake Main Branch550 Crystal Point Drive + Rt 14, 60014
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
Citibank Bank · 1
Citibank has 1 branch in Crystal Lake, 57 across Illinois and 667 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1812. With $1.98 trillion in total assets on June 30, 2026, it ranks No. 3 of 4,232 U.S. banks by total assets. The Crystal Lake Branch at 225 W Virginia St dates to 1953 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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Crystal Lake Branch225 W Virginia St, 60014
Cornerstone National Bank Bank · 1
Cornerstone National Bank has 1 branch in Crystal Lake, 5 across Illinois and 5 nationwide. FDIC records list its main office in Palatine, IL and show it operating since 2000. With $1.01 billion in total assets on June 30, 2026, it ranks No. 1,041 of 4,232 U.S. banks by total assets. The Crystal Lake Branch at 1185 S Il Route 31 dates to 2021 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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Crystal Lake Branch1185 S Il Route 31, 60014
Corporate America Family Credit Union Credit union · 1
Corporate America Family Credit Union has 1 office in Crystal Lake, 9 across Illinois. It is based in Elgin, IL and $969.1 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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Crystal Lake625 Cog Cir Ste C, 60014
All hours
Mon to Thu 8:30 am to 5 pm; Fri 8 am to 6 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Fifth Third Bank Bank · 1
Fifth Third Bank has 1 branch in Crystal Lake, 161 across Illinois and 1,508 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1865. With $299.18 billion in total assets on June 30, 2026, it ranks No. 14 of 4,232 U.S. banks by total assets. The Crystal Lake Facility at 265 W Virginia St dates to 1977 in FDIC branch records. It opens on Saturday.
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Crystal Lake Facility265 W Virginia St, 60014
All hours
Mon closed; Tue to Thu 9 am to 5:30 pm; Fri 9 am to 6 pm; Sat 9 am to 2 pm; Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
Great Lakes Credit Union Credit union · 1
Great Lakes Credit Union has 1 office in Crystal Lake, 21 across Illinois. It is based in Bannockburn, IL and $1.44 billion 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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Crystal Lake Branch345 E Congress Pkwy, 60014
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun closed
Hours: NCUA, March 31, 2026
PNC Bank Bank · 1
PNC Bank has 1 branch in Crystal Lake, 148 across Illinois and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. The Crystal Lake Branch at 5745 Northwest Hwy dates to 2009 in FDIC branch records. It opens on Saturday.
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Crystal Lake Branch5745 Northwest Hwy, 60014
All hours
Mon not published; Tue to Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Crystal Lake, 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 Crystal Lake Branch at 350 Commonwealth Dr dates to 1991 in FDIC branch records. It opens on Saturday.
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Crystal Lake Branch350 Commonwealth Dr, 60014
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
Woodforest Bank · 1
Woodforest has 1 branch in Crystal Lake, 38 across Illinois and 743 nationwide. FDIC records list its main office in The Woodlands, TX and show it operating since 1980. With $8.98 billion in total assets on June 30, 2026, it ranks No. 181 of 4,232 U.S. banks by total assets. The Crystal Lake Wal-Mart Branch at 1205 S Il Route 31 dates to 2007 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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Crystal Lake Wal-Mart Branch1205 S Il Route 31, 60014
Join a credit union in Crystal Lake
4 credit unions have 4 offices here: Baxter Credit Union, Advia Credit Union, Great Lakes Credit Union and Corporate America Family 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 Crystal Lake page has every office in the state's directory.
Banking in Crystal Lake: the local picture
Short answer: 13 banks run 18 branches in Crystal Lake 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 13 banks, 2 have their main office in Crystal Lake, 3 elsewhere in Illinois and 8 out of state, according to the FDIC.
The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is Associated Bank's office at 180 W Virginia St, dating to 1883; the newest is Cornerstone National Bank's at 1185 S Il Route 31, from 2021.
4 credit unions have 4 offices in Crystal Lake, according to the NCUA. Who can join each one is on the credit unions page.
Of the 11 locations with published hours. 10 open on Saturday. 11 locations have no published hours in these sources.
Banks by ZIP code in Crystal Lake
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 60014 has the most bank and credit union offices in Crystal Lake (21), followed by 60012 (1). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 60014 | 21 | 16 | Crystal Lake Bank and Trust Company, Home State Bank, BMO |
| 60012 | 1 | 1 | Advia Credit Union |
Banks and credit unions open on Saturday in Crystal Lake
Short answer: 10 of the 11 Crystal Lake locations with published hours open on Saturday, run by 9 institutions.
- BMO: 2 of 2 branches (1105 S State Route 31: Saturday 9 am to 12 pm, and 1 more)
- Chase: 1 of 1 branch (550 Crystal Point Drive + Rt 14: Saturday 9 am to 2 pm)
- Bank of America: 1 of 1 branch (99 Northwest Hwy: Saturday 9 am to 2 pm)
- U.S. Bank: 1 of 1 branch (350 Commonwealth Dr: Saturday 9 am to 1 pm)
- PNC Bank: 1 of 1 branch (5745 Northwest Hwy: Saturday 9 am to 1 pm)
- Fifth Third Bank: 1 of 1 branch (265 W Virginia St: Saturday 9 am to 2 pm)
- Baxter Credit Union: 1 of 1 office (415 S Main St: Saturday 9 am to 1 pm)
- Great Lakes Credit Union: 1 of 1 office (345 E Congress Pkwy: Saturday 9 am to 1 pm)
- Corporate America Family Credit Union: 1 of 1 office (625 Cog Cir Ste C: 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; 11 of the 22 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 Crystal Lake, and where the nearest one is if they do not.
Short answer: In Crystal Lake: Chase (1), Bank of America (1), PNC Bank (1), U.S. Bank (1), Fifth Third Bank (1), BMO (2). No branches in Crystal Lake: Wells Fargo (nearest in Palatine, 16 mi), Truist, Huntington (nearest in Algonquin, 4 mi), Regions Bank (nearest in Peoria, 123 mi), TD Bank.
| Bank | In Crystal Lake | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| Bank of America | 1 branch | here |
| PNC Bank | 1 branch | here |
| U.S. Bank | 1 branch | here |
| Fifth Third Bank | 1 branch | here |
| BMO | 2 branches | here |
| Wells Fargo | None | Palatine, 16 miles away |
| Truist | None | none in Illinois |
| Huntington | None | Algonquin, 4 miles away |
| Regions Bank | None | Peoria, 123 miles away |
| TD Bank | None | none in Illinois |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Crystal Lake 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 Crystal Lake residents like anyone else.
Banks near Crystal Lake
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Cary (3 miles) and Lake In The Hills (4 miles). Mchenry, 8 miles away, has the most banks nearby: 10.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Cary, IL | 3 mi | 4 | 4 |
| Banks in Lake In The Hills, IL | 4 mi | 3 | 4 |
| Banks in Algonquin, IL | 4 mi | 7 | 8 |
| Banks in Huntley, IL | 8 mi | 6 | 7 |
| Banks in Carpentersville, IL | 8 mi | 7 | 8 |
| Banks in Mchenry, IL | 8 mi | 10 | 11 |
| Banks in Wauconda, IL | 9 mi | 3 | 3 |
| Banks in Woodstock, IL | 9 mi | 5 | 6 |
Bank branch openings and closings in Crystal Lake
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Crystal Lake 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 Crystal Lake
Short answer: 2 institutions have their main office in Crystal Lake: Crystal Lake Bank and Trust Company and Home State Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Crystal Lake Bank and Trust Company | Bank | $2.26 billion | 3 |
| Home State Bank | Bank | $776.0 million | 3 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Crystal Lake by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Crystal Lake offices.
Short answer: Chase is the largest bank with offices in Crystal Lake, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. Bank of America is second with $2.65 trillion. 2 of the 13 banks are headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 1 | Columbus, OH |
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Citibank | $1.98 trillion | No. 3 | 1 | Sioux Falls, SD |
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Fifth Third Bank | $299.18 billion | No. 14 | 1 | Cincinnati, OH |
| BMO | $254.97 billion | No. 16 | 2 | Chicago, IL |
| Associated Bank | $51.76 billion | No. 49 | 1 | Green Bay, WI |
| Woodforest | $8.98 billion | No. 181 | 1 | The Woodlands, TX |
| Crystal Lake Bank and Trust Company | $2.26 billion | No. 549 | 3 | Crystal Lake, 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 Crystal Lake: FAQ
How many banks are in Crystal Lake, IL?
Crystal Lake has 13 banks with 18 branches and 4 credit unions with 4 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 Crystal Lake?
Crystal Lake Bank and Trust Company, with 3. Home State Bank has 3 and BMO has 2.
Is there a Home State Bank in Crystal Lake, IL?
Yes. FDIC data lists 3 Home State Bank branches in Crystal Lake as of September 5, 2026, the main office at 40 Grant St. Its branches are listed under Home State Bank above, with the address and directions for each.
Is there a BMO in Crystal Lake, IL?
Yes. FDIC data lists 2 BMO branches in Crystal Lake as of September 5, 2026. Its branches are listed under BMO above, with the address and directions for each.
Is there a Wells Fargo in Crystal Lake, IL?
No. FDIC data lists no Wells Fargo branch in Crystal Lake as of September 5, 2026. The nearest is in Palatine, about 16 miles away in a straight line.
Which banks in Crystal Lake are open on Saturday?
BMO, Chase, Bank of America and U.S. Bank and 5 more publish Saturday hours for one or more Crystal Lake locations. The Saturday section above lists each one with its hours. 11 of the 22 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Crystal Lake?
Crystal Lake Bank and Trust Company and Home State Bank have their main office in Crystal Lake, according to the FDIC.
What is the oldest bank in Crystal Lake?
PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.
Which credit unions can I join in Crystal Lake?
Baxter Credit Union, Advia Credit Union, Great Lakes Credit Union and Corporate America Family Credit Union have offices in Crystal Lake. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Crystal Lake 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 Crystal Lake?
Nearby cities with more banks include Cary, Lake In The Hills, Algonquin. Cary is 3 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 |
| 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 4 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 (7 of 18 branches: BMO, Bank of America, Chase, Fifth Third Bank, PNC Bank, 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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