US Bank Directory
Banks in Joy, IL
1 FDIC-insured bank operates 1 office in Joy, Illinois.
Source: FDIC BankFind, data as of September 5, 2026.
Bank branch map: Joy
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 Joy, 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 Joy
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: CBI Bank & Trust is the only bank with an office in Joy. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
CBI Bank & Trust Bank · 1
CBI Bank & Trust has 1 branch in Joy, 10 across Illinois and 24 nationwide. FDIC records list its main office in Muscatine, IA and show it operating since 1933. With $1.70 billion in total assets on June 30, 2026, it ranks No. 666 of 4,232 U.S. banks by total assets. The Farmers-Merchants Joy Branch at 101 W Main St dates to 2024 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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Farmers-Merchants Joy Branch101 W Main St, 61260
Banking in Joy: the local picture
Short answer: 1 bank runs 1 branch in Joy according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
CBI Bank & Trust has its main office in Muscatine, IA, according to the FDIC.
The bank with the longest record here is CBI Bank & Trust, operating since 1933 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 Joy, and where the nearest one is if they do not.
Short answer: No branches in Joy: Chase (nearest in Moline, 28 mi), Wells Fargo (nearest in Rock Island, 26 mi), Bank of America (nearest in Aurora, 136 mi), PNC Bank (nearest in Peoria, 71 mi), U.S. Bank (nearest in Rock Island, 27 mi), Truist, Fifth Third Bank (nearest in Sterling, 76 mi), Huntington (nearest in Aurora, 136 mi), Regions Bank (nearest in Peoria, 72 mi), TD Bank, BMO (nearest in Rockford, 118 mi).
| Bank | In Joy | Nearest branch if none here |
|---|---|---|
| Chase | None | Moline, 28 miles away |
| Wells Fargo | None | Rock Island, 26 miles away |
| Bank of America | None | Aurora, 136 miles away |
| PNC Bank | None | Peoria, 71 miles away |
| U.S. Bank | None | Rock Island, 27 miles away |
| Truist | None | none in Illinois |
| Fifth Third Bank | None | Sterling, 76 miles away |
| Huntington | None | Aurora, 136 miles away |
| Regions Bank | None | Peoria, 72 miles away |
| TD Bank | None | none in Illinois |
| BMO | None | Rockford, 118 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Joy 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 Joy residents like anyone else.
Banks near Joy
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Aledo (7 miles) and Monmouth (23 miles). Moline, 28 miles away, has the most banks nearby: 12.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Aledo, IL | 7 mi | 5 | 5 |
| Banks in Monmouth, IL | 23 mi | 5 | 5 |
| Banks in Milan, IL | 24 mi | 3 | 6 |
| Banks in Rock Island, IL | 26 mi | 4 | 7 |
| Banks in Orion, IL | 28 mi | 2 | 3 |
| Banks in Moline, IL | 28 mi | 12 | 16 |
| Banks in East Moline, IL | 31 mi | 4 | 5 |
| Banks in Stronghurst, IL | 31 mi | 2 | 2 |
Bank branch openings and closings in Joy
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Joy between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Joy by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Joy offices.
Short answer: CBI Bank & Trust is the largest bank with offices in Joy, with $1.70 billion in total assets on June 30, 2026, No. 666 among U.S. banks by total assets. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| CBI Bank & Trust | $1.70 billion | No. 666 | 1 | Muscatine, IA |
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 Joy: FAQ
How many banks are in Joy, IL?
Joy has 1 bank with 1 branch, according to FDIC data as of September 5, 2026.
Is there a CBI Bank & Trust in Joy, IL?
Yes. FDIC data lists 1 CBI Bank & Trust branch in Joy as of September 5, 2026. The address and directions are under CBI Bank & Trust above.
Is there a Chase in Joy, IL?
No. FDIC data lists no Chase branch in Joy as of September 5, 2026. The nearest is in Moline, about 28 miles away in a straight line.
What is the oldest bank in Joy?
CBI Bank & Trust has the longest record among banks with a branch here: the FDIC shows it operating since 1933.
Did any bank branches open or close in Joy 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 Joy?
Nearby cities with more banks include Aledo, Monmouth, Milan. Aledo is 7 miles away with 5 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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