Banks in Monticello, IL

Bank branch map: Monticello

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: 5 banks and credit unions operate 6 locations in Monticello, according to the FDIC and the NCUA. 5 of them have coordinates on record and are on the map. 1 publish opening hours.

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 Monticello

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: First State Bank and Trust has the most locations in Monticello, 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.

First State Bank and Trust 2 branches · main office Monticello, IL Bank · 2

First State Bank and Trust has 2 branches in Monticello, 10 across Illinois and 10 nationwide. FDIC records list its main office in Monticello, IL and show it operating since 1945. With $509.6 million in total assets on June 30, 2026, it ranks No. 1,771 of 4,232 U.S. banks by total assets. Its main office at 201 W Main St dates to 1945 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Main Office main office

  201 W Main St, 61856

  Hours: see the bank's site
  DirectionsWebsite
• Drive-In Facility

  201 W Main St, 61856

  Hours: see the bank's site
  DirectionsWebsite

First State Bank and Trust: profile, branches and contacts

CIBM Bank 1 branch · main office Champaign, IL Bank · 1

CIBM Bank has 1 branch in Monticello, 6 across Illinois and 9 nationwide. FDIC records list its main office in Champaign, IL and show it operating since 1921. With $819.7 million in total assets on June 30, 2026, it ranks No. 1,234 of 4,232 U.S. banks by total assets. The Monticello Branch at 204 S Market St dates to 1995 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Monticello Branch

  204 S Market St, 61856

  Hours: see the bank's site
  DirectionsWebsite

CIBM Bank: profile, branches and contacts

First Mid Bank & Trust First Mid Bank & Trust, National Association · 1 branch · main office Mattoon, IL Bank · 1

First Mid Bank & Trust has 1 branch in Monticello, 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 Monticello Drive-Up Branch at 219 W Center St dates to 1976 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Monticello Drive-Up Branch

  219 W Center St, 61856

  Hours: see the bank's site
  DirectionsWebsite

First Mid Bank & Trust: profile, branches and contacts

Mea Credit Union 1 office · main office Monticello, IL Credit union · 1

Mea Credit Union has 1 office in Monticello, 2 across Illinois. It is based in Monticello, IL and $806,000 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.

• Main Office main office

  2 Sage Dr, 61856

  (217) 762-8511Today 7:30 am to 4 pm

  All hours

  Mon to Fri 7:30 am to 4 pm; Sat to Sun not published

  Hours: NCUA, March 31, 2026

Mea Credit Union: profile, branches and contacts

State Bank of Bement 1 branch · main office Bement, IL Bank · 1

State Bank of Bement has 1 branch in Monticello, 4 across Illinois and 4 nationwide. FDIC records list its main office in Bement, IL and show it operating since 1914. With $185.6 million in total assets on June 30, 2026, it ranks No. 3,093 of 4,232 U.S. banks by total assets. The Monticello Branch at 1927 N Market St dates to 2017 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Monticello Branch

  1927 N Market St, 61856

  Hours: see the bank's site
  DirectionsWebsite

State Bank of Bement: profile, branches and contacts

Join a credit union in Monticello

1 credit union has 1 office here: Mea 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 Monticello page has every office in the state's directory.

Banking in Monticello: the local picture

Short answer: 4 banks run 5 branches in Monticello 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, 1 has its main office in Monticello, 3 elsewhere in Illinois, according to the FDIC.

The bank with the longest record here is First Mid Bank & Trust, operating since 1865 according to the FDIC. In FDIC branch records, the longest-running branch is First State Bank and Trust's office at 201 W Main St, dating to 1945; the newest is State Bank of Bement's at 1927 N Market St, from 2017.

The only credit union with an office here is Mea Credit Union.

Of the 1 location with published hours. None open on Saturday. 5 locations have no published hours in these sources.

Saturday hours in Monticello

Short answer: None of the 1 Monticello location with published hours lists Saturday hours. 5 locations do not publish hours in these sources; call ahead.

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 6 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 Monticello, and where the nearest one is if they do not.

Short answer: No branches in Monticello: Chase (nearest in Champaign, 17 mi), Wells Fargo (nearest in Canton, 85 mi), Bank of America (nearest in Joliet, 106 mi), PNC Bank (nearest in Champaign, 16 mi), U.S. Bank (nearest in Bloomington, 37 mi), Truist, Fifth Third Bank (nearest in Effingham, 63 mi), Huntington (nearest in Shorewood, 106 mi), Regions Bank (nearest in Decatur, 22 mi), TD Bank, BMO (nearest in Channahon, 97 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Monticello 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%.

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 Monticello residents like anyone else.

Banks near Monticello

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Mahomet (15 miles) and Tolono (17 miles). Champaign, 17 miles away, has the most banks nearby: 21.

Bank branch openings and closings in Monticello

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Monticello 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 Monticello

Short answer: 2 institutions have their main office in Monticello: First State Bank and Trust and Mea Credit Union.

Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.

Largest banks in Monticello by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Monticello offices.

Short answer: First Mid Bank & Trust is the largest bank with offices in Monticello, with $9.14 billion in total assets on June 30, 2026, No. 178 among U.S. banks by total assets. CIBM Bank is second with $819.7 million. 1 of the 4 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

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 Monticello: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.