US Bank Directory
Banks in Lincoln, IL
4 FDIC-insured banks operate 5 offices in Lincoln, Illinois, and 2 credit unions have 2 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Lincoln
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: 6 banks and credit unions operate 7 locations in Lincoln, according to the FDIC and the NCUA. 7 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
7 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 Lincoln
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Heartland Bank has the most locations in Lincoln, with 2. The other 3 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.
Heartland Bank Bank · 2
Heartland Bank has 2 branches in Lincoln, 82 across Illinois and 87 nationwide. FDIC records list its main office in Bloomington, IL and show it operating since 1971. With $6.72 billion in total assets on June 30, 2026, it ranks No. 231 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Lincoln location is the Lincoln Branch at 111 N Sangamon St, dating to 1913; the newest, at 818 Woodlawn Rd, to 1979. It does not publish hours in the sources this page uses; check its site before you go.
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Lincoln Branch111 N Sangamon St, 62656
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Lincoln Woodlawn Branch818 Woodlawn Rd, 62656
Citizens Equity First Credit Union Credit union · 1
Citizens Equity First Credit Union has 1 office in Lincoln, 29 across Illinois. It is based in Peoria, IL and $8.61 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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Lincoln Member Center341 5Th St, 62656
All hours
Mon to Thu 8:30 am to 5 pm; Fri 8:30 am to 6 pm; Sat 8:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Eaton Family Credit Union Credit union · 1
Eaton Family Credit Union has 1 office in Lincoln, 1 across Illinois. It is based in Euclid, OH and $78.4 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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Eaton Family Credit Union Lincoln Branch1725 1200Th Ave, 62656
All hours
Mon to Wed 11 am to 1 pm; Thu to Fri 9 am to 1 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Regions Bank Bank · 1
Regions Bank has 1 branch in Lincoln, 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 Kickapoo Branch at 303 S Kickapoo St dates to 1934 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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Kickapoo Branch303 S Kickapoo St, 62656
The First National Bank in Tremont Bank · 1
The First National Bank in Tremont has 1 branch in Lincoln, 4 across Illinois and 4 nationwide. FDIC records list its main office in Tremont, IL and show it operating since 1931. With $187.6 million in total assets on June 30, 2026, it ranks No. 3,080 of 4,232 U.S. banks by total assets. The Lincoln Banking Center Branch at 710 Woodlawn Rd dates to 2022 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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Lincoln Banking Center Branch710 Woodlawn Rd, 62656
United Community Bank Bank · 1
United Community Bank has 1 branch in Lincoln, 44 across Illinois and 46 nationwide. FDIC records list its main office in Chatham, IL and show it operating since 1965. With $4.13 billion in total assets on June 30, 2026, it ranks No. 328 of 4,232 U.S. banks by total assets. The Lincoln Branch at 2201 Woodlawn Rd Ste 100 dates to 1993 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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Lincoln Branch2201 Woodlawn Rd Ste 100, 62656
Join a credit union in Lincoln
2 credit unions have 2 offices here: Citizens Equity First Credit Union and Eaton 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 Lincoln page has every office in the state's directory.
Banking in Lincoln: the local picture
Short answer: 4 banks run 5 branches in Lincoln 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 4 banks, 0 have their main office in Lincoln, 3 elsewhere in Illinois and 1 out of state, according to the FDIC.
The bank with the longest record here is Regions Bank, operating since 1928 according to the FDIC. In FDIC branch records, the longest-running branch is Heartland Bank's office at 111 N Sangamon St, dating to 1913; the newest is The First National Bank in Tremont's at 710 Woodlawn Rd, from 2022.
2 credit unions have 2 offices in Lincoln, according to the NCUA. Who can join each one is on the credit unions page.
Of the 2 locations with published hours. 1 opens on Saturday. 5 locations have no published hours in these sources.
Credit unions open on Saturday in Lincoln
Short answer: 1 of the 2 Lincoln locations with published hours opens on Saturday, run by 1 institution.
- Citizens Equity First Credit Union: 1 of 1 office (341 5Th St: Saturday 8:30 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; 5 of the 7 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 Lincoln, and where the nearest one is if they do not.
Short answer: In Lincoln: Regions Bank (1). No branches in Lincoln: Chase (nearest in Springfield, 27 mi), Wells Fargo (nearest in Canton, 45 mi), Bank of America (nearest in O Fallon, 112 mi), PNC Bank (nearest in Springfield, 28 mi), U.S. Bank (nearest in Springfield, 27 mi), Truist, Fifth Third Bank (nearest in Effingham, 84 mi), Huntington (nearest in Shorewood, 114 mi), TD Bank, BMO (nearest in Channahon, 105 mi).
| Bank | In Lincoln | Nearest branch if none here |
|---|---|---|
| Regions Bank | 1 branch | here |
| Chase | None | Springfield, 27 miles away |
| Wells Fargo | None | Canton, 45 miles away |
| Bank of America | None | O Fallon, 112 miles away |
| PNC Bank | None | Springfield, 28 miles away |
| U.S. Bank | None | Springfield, 27 miles away |
| Truist | None | none in Illinois |
| Fifth Third Bank | None | Effingham, 84 miles away |
| Huntington | None | Shorewood, 114 miles away |
| TD Bank | None | none in Illinois |
| BMO | None | Channahon, 105 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Lincoln 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 Lincoln residents like anyone else.
Banks near Lincoln
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Mount Pulaski (11 miles) and Mason City (17 miles). Clinton, 21 miles away, has the most banks nearby: 4.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Mount Pulaski, IL | 11 mi | 2 | 3 |
| Banks in Mason City, IL | 17 mi | 2 | 2 |
| Banks in Minier, IL | 20 mi | 2 | 2 |
| Banks in Sherman, IL | 21 mi | 2 | 2 |
| Banks in Clinton, IL | 21 mi | 4 | 4 |
| Banks in Tremont, IL | 26 mi | 2 | 2 |
| Banks in Petersburg, IL | 27 mi | 2 | 3 |
| Banks in Forsyth, IL | 27 mi | 2 | 2 |
Bank branch openings and closings in Lincoln
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Lincoln between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Lincoln by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Lincoln offices.
Short answer: Regions Bank is the largest bank with offices in Lincoln, with $159.79 billion in total assets on June 30, 2026, No. 27 among U.S. banks by total assets. Heartland Bank is second with $6.72 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Regions Bank | $159.79 billion | No. 27 | 1 | Birmingham, AL |
| Heartland Bank | $6.72 billion | No. 231 | 2 | Bloomington, IL |
| United Community Bank | $4.13 billion | No. 328 | 1 | Chatham, IL |
| The First National Bank in Tremont | $187.6 million | No. 3,080 | 1 | Tremont, 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 Lincoln: FAQ
How many banks are in Lincoln, IL?
Lincoln has 4 banks with 5 branches and 2 credit unions with 2 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 Lincoln?
Heartland Bank, with 2. Regions Bank has 1 and United Community Bank has 1.
Is there a Heartland Bank in Lincoln, IL?
Yes. FDIC data lists 2 Heartland Bank branches in Lincoln as of September 5, 2026. Its branches are listed under Heartland Bank above, with the address and directions for each.
Is there a Regions Bank in Lincoln, IL?
Yes. FDIC data lists 1 Regions Bank branch in Lincoln as of September 5, 2026. The address and directions are under Regions Bank above.
Is there a United Community Bank in Lincoln, IL?
Yes. FDIC data lists 1 United Community Bank branch in Lincoln as of September 5, 2026. The address and directions are under United Community Bank above.
Is there a Chase in Lincoln, IL?
No. FDIC data lists no Chase branch in Lincoln as of September 5, 2026. The nearest is in Springfield, about 27 miles away in a straight line.
Which banks in Lincoln are open on Saturday?
Citizens Equity First Credit Union publishes Saturday hours for one or more Lincoln locations. The Saturday section above lists each one with its hours. 5 of the 7 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Lincoln?
Regions Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1928.
Which credit unions can I join in Lincoln?
Citizens Equity First Credit Union and Eaton Family Credit Union have offices in Lincoln. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Lincoln 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 Lincoln?
Nearby cities with more banks include Mount Pulaski, Mason City, Minier. Mount Pulaski is 11 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 2 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 |
| 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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