US Bank Directory
Banks in Effingham, IL
9 FDIC-insured banks operate 16 offices in Effingham, Illinois, and 2 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: Effingham
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: 11 banks and credit unions operate 19 locations in Effingham, according to the FDIC and the NCUA. 19 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
19 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 Effingham
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Dieterich Bank has the most locations in Effingham, with 4. It is followed by Midland States Bank (3), Washington Savings Bank (2), Crossroads Bank (2). 5 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.
Dieterich Bank Bank · 4
Dieterich Bank has 4 branches in Effingham, 17 across Illinois and 17 nationwide. FDIC records list its main office in Effingham, IL and show it operating since 1909. With $1.55 billion in total assets on June 30, 2026, it ranks No. 728 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Effingham location is its main office at 300 Sur Woods Dr, dating to 1909; the newest, at 510 W Fayette Ave, to 2008. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office300 Sur Woods Dr, 62401
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Lake Sara Branch10911 East State Hwy 33, 62401
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Teutopolis Branch1510 E. Fayette Ave., 62401
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Effingham Branch510 W Fayette Ave, 62401
Midland States Bank Bank · 3
Midland States Bank has 3 branches in Effingham, 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. In FDIC branch records, its longest-running Effingham location is its main office at 1201 Network Centre Dr, dating to 1881; the newest, at 110 S 5th St, to 2013. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office1201 Network Centre Dr, 62401
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Effingham Main Branch110 S 5th St, 62401
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Sba And Internet Banking Branch1201 Network Centre Dr, 62401
Crossroads Bank Bank · 2
Crossroads Bank has 2 branches in Effingham, 2 across Illinois and 2 nationwide. FDIC records list its main office in Effingham, IL and show it operating since 1974. With $234.7 million in total assets on June 30, 2026, it ranks No. 2,803 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Effingham location is its main office at 2000 S Banker St, dating to 1974; the newest, at 806 N Keller Dr, to 1987. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office2000 S Banker St, 62401
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Keller Drive Facility806 N Keller Dr, 62401
Land of Lincoln Credit Union Credit union · 2
Land of Lincoln Credit Union has 2 officees in Effingham, 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. 1 of its 2 Effingham locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Effingham - North1302 Thelma Keller Ave, 62401
All hours
Mon to Thu 8 am to 5 pm; Fri 8 am to 5:30 pm; Sat 8 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
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Effingham - South2302 S Banker St, 62401
All hours
Mon to Tue 8:30 am to 5 pm; Wed 8 am to 5 pm; Thu 8:30 am to 5 pm; Fri 8 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Washington Savings Bank Bank · 2
Washington Savings Bank has 2 branches in Effingham, 4 across Illinois and 4 nationwide. FDIC records list its main office in Effingham, IL and show it operating since 1883. With $585.3 million in total assets on June 30, 2026, it ranks No. 1,594 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Effingham location is its main office at 200 S Banker St, dating to 1883; the newest, at 1300 N Keller Dr, to 1893. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office200 S Banker St, 62401
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Keller Drive Branch1300 N Keller Dr, 62401
Constitution Bank Bank · 1
Constitution Bank has 1 branch in Effingham, 14 across Illinois and 14 nationwide. FDIC records list its main office in Hillsboro, IL and show it operating since 1945. With $683.1 million in total assets on June 30, 2026, it ranks No. 1,405 of 4,232 U.S. banks by total assets. The Effingham Branch at 501 N Keller Dr dates to 2008 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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Effingham Branch501 N Keller Dr, 62401
Effingham Highway Credit Union Credit union · 1
Effingham Highway Credit Union has 1 office in Effingham, 1 across Illinois. It is based in Effingham, IL and $5.8 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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Main Office main office400 W Wabash Ave Po Box 1161, 62401
All hours
Mon to Fri 8 am to 12 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Fifth Third Bank Bank · 1
Fifth Third Bank has 1 branch in Effingham, 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 Effingham Branch at 200 E Jefferson Ave dates to 1890 in FDIC branch records. It opens on Saturday.
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Effingham Branch200 E Jefferson Ave, 62401
All hours
Mon closed; Tue to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
First Mid Bank & Trust Bank · 1
First Mid Bank & Trust has 1 branch in Effingham, 52 across Illinois and 87 nationwide. FDIC records list its main office in Mattoon, IL and show it operating since 1865. With $9.14 billion in total assets on June 30, 2026, it ranks No. 178 of 4,232 U.S. banks by total assets. The Effingham Facility at 902 N Keller Dr dates to 1988 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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Effingham Facility902 N Keller Dr, 62401
First National Bank of Waterloo Bank · 1
First National Bank of Waterloo has 1 branch in Effingham, 16 across Illinois and 16 nationwide. FDIC records list its main office in Waterloo, IL and show it operating since 1912. With $929.3 million in total assets on June 30, 2026, it ranks No. 1,121 of 4,232 U.S. banks by total assets. The Effingham Branch at 210 E Fayette Ave dates to 2001 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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Effingham Branch210 E Fayette Ave, 62401
Teutopolis State Bank Bank · 1
Teutopolis State Bank has 1 branch in Effingham, 3 across Illinois and 3 nationwide. FDIC records list its main office in Teutopolis, IL and show it operating since 1905. With $358.5 million in total assets on June 30, 2026, it ranks No. 2,222 of 4,232 U.S. banks by total assets. The Effingham Branch at 900 W Jefferson Ave dates to 2018 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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Effingham Branch900 W Jefferson Ave, 62401
Join a credit union in Effingham
2 credit unions have 3 offices here: Land of Lincoln Credit Union and Effingham Highway 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 Effingham page has every office in the state's directory.
Banking in Effingham: the local picture
Short answer: 9 banks run 16 branches in Effingham 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 9 banks, 4 have their main office in Effingham, 4 elsewhere in Illinois and 1 out of state, according to the FDIC.
The bank with the longest record here is Fifth Third Bank, operating since 1865 according to the FDIC. In FDIC branch records, the longest-running branch is Midland States Bank's office at 1201 Network Centre Dr, dating to 1881; the newest is Teutopolis State Bank's at 900 W Jefferson Ave, from 2018.
2 credit unions have 3 offices in Effingham, according to the NCUA. Who can join each one is on the credit unions page.
Of the 4 locations with published hours. 2 open on Saturday. 15 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Effingham
Short answer: 2 of the 4 Effingham locations with published hours open on Saturday, run by 2 institutions.
- Fifth Third Bank: 1 of 1 branch (200 E Jefferson Ave: Saturday 9 am to 12 pm)
- Land of Lincoln Credit Union: 1 of 2 offices (1302 Thelma Keller Ave: Saturday 8 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; 15 of the 19 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 Effingham, and where the nearest one is if they do not.
Short answer: In Effingham: Fifth Third Bank (1). No branches in Effingham: Chase (nearest in Champaign, 70 mi), Wells Fargo (nearest in Canton, 126 mi), Bank of America (nearest in O Fallon, 83 mi), PNC Bank (nearest in Decatur, 56 mi), U.S. Bank (nearest in Mattoon, 26 mi), Truist, Huntington (nearest in Shorewood, 168 mi), Regions Bank (nearest in Robinson, 45 mi), TD Bank, BMO (nearest in Belleville, 87 mi).
| Bank | In Effingham | Nearest branch if none here |
|---|---|---|
| Fifth Third Bank | 1 branch | here |
| Chase | None | Champaign, 70 miles away |
| Wells Fargo | None | Canton, 126 miles away |
| Bank of America | None | O Fallon, 83 miles away |
| PNC Bank | None | Decatur, 56 miles away |
| U.S. Bank | None | Mattoon, 26 miles away |
| Truist | None | none in Illinois |
| Huntington | None | Shorewood, 168 miles away |
| Regions Bank | None | Robinson, 45 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 Effingham 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 Effingham residents like anyone else.
Banks near Effingham
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Altamont (12 miles) and Neoga (14 miles). Newton, 23 miles away, has the most banks nearby: 3.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Altamont, IL | 12 mi | 2 | 2 |
| Banks in Neoga, IL | 14 mi | 2 | 2 |
| Banks in Saint Elmo, IL | 18 mi | 2 | 2 |
| Banks in Windsor, IL | 22 mi | 2 | 2 |
| Banks in Newton, IL | 23 mi | 3 | 4 |
| Banks in Shelbyville, IL | 23 mi | 3 | 4 |
| Banks in Louisville, IL | 23 mi | 3 | 3 |
| Banks in Farina, IL | 24 mi | 2 | 2 |
Bank branch openings and closings in Effingham
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Effingham 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 Effingham
Short answer: 5 institutions have their main office in Effingham: Dieterich Bank, Midland States Bank, Washington Savings Bank and Crossroads Bank and 1 more.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Dieterich Bank | Bank | $1.55 billion | 4 |
| Midland States Bank | Bank | $6.69 billion | 3 |
| Washington Savings Bank | Bank | $585.3 million | 2 |
| Crossroads Bank | Bank | $234.7 million | 2 |
| Effingham Highway Credit Union | Credit union | $5.8 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Effingham by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Effingham offices.
Short answer: Fifth Third Bank is the largest bank with offices in Effingham, with $299.18 billion in total assets on June 30, 2026, No. 14 among U.S. banks by total assets. First Mid Bank & Trust is second with $9.14 billion. 4 of the 9 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 |
|---|---|---|---|---|
| Fifth Third Bank | $299.18 billion | No. 14 | 1 | Cincinnati, OH |
| First Mid Bank & Trust | $9.14 billion | No. 178 | 1 | Mattoon, IL |
| Midland States Bank | $6.69 billion | No. 233 | 3 | Effingham, IL |
| Dieterich Bank | $1.55 billion | No. 728 | 4 | Effingham, IL |
| First National Bank of Waterloo | $929.3 million | No. 1,121 | 1 | Waterloo, IL |
| Constitution Bank | $683.1 million | No. 1,405 | 1 | Hillsboro, IL |
| Washington Savings Bank | $585.3 million | No. 1,594 | 2 | Effingham, IL |
| Teutopolis State Bank | $358.5 million | No. 2,222 | 1 | Teutopolis, IL |
| Crossroads Bank | $234.7 million | No. 2,803 | 2 | Effingham, 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 Effingham: FAQ
How many banks are in Effingham, IL?
Effingham has 9 banks with 16 branches and 2 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 Effingham?
Dieterich Bank, with 4. Midland States Bank has 3 and Washington Savings Bank has 2.
Is there a Dieterich Bank in Effingham, IL?
Yes. FDIC data lists 4 Dieterich Bank branches in Effingham as of September 5, 2026, the main office at 300 Sur Woods Dr. Its branches are listed under Dieterich Bank above, with the address and directions for each.
Is there a Midland States Bank in Effingham, IL?
Yes. FDIC data lists 3 Midland States Bank branches in Effingham as of September 5, 2026, the main office at 1201 Network Centre Dr. Its branches are listed under Midland States Bank above, with the address and directions for each.
Is there a Washington Savings Bank in Effingham, IL?
Yes. FDIC data lists 2 Washington Savings Bank branches in Effingham as of September 5, 2026, the main office at 200 S Banker St. Its branches are listed under Washington Savings Bank above, with the address and directions for each.
Is there a Chase in Effingham, IL?
No. FDIC data lists no Chase branch in Effingham as of September 5, 2026. The nearest is in Champaign, about 70 miles away in a straight line.
Which banks in Effingham are open on Saturday?
Fifth Third Bank and Land of Lincoln Credit Union publish Saturday hours for one or more Effingham locations. The Saturday section above lists each one with its hours. 15 of the 19 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Effingham?
Dieterich Bank, Midland States Bank, Washington Savings Bank, Crossroads Bank and Effingham Highway Credit Union have their main office in Effingham, according to the FDIC and the NCUA.
What is the oldest bank in Effingham?
Fifth Third Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1865.
Which credit unions can I join in Effingham?
Land of Lincoln Credit Union and Effingham Highway Credit Union have offices in Effingham. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Effingham 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 Effingham?
Nearby cities with more banks include Altamont, Neoga, Saint Elmo. Altamont is 12 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 16 branches: Fifth Third 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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