US Bank Directory
Banks in Normal, IL
8 FDIC-insured banks operate 9 offices in Normal, Illinois, and 5 credit unions have 6 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: Normal
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: 13 banks and credit unions operate 15 locations in Normal, according to the FDIC and the NCUA. 14 of them have coordinates on record and are on the map. 9 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
14 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 Normal
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 Normal, with 2. The other 7 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 Normal, 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 Normal location is the Normal Uptown Branch at 200 W College Ave, dating to 1914; the newest, at 1725 Fort Jesse Rd, to 2001. It does not publish hours in the sources this page uses; check its site before you go.
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B-N Ft Jesse Branch1725 Fort Jesse Rd, 61761
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Normal Uptown Branch200 W College Ave, 61761
Illinois State Credit Union Credit union · 2
Illinois State Credit Union has 2 officees in Normal, 5 across Illinois. It is based in Normal, IL and $252.6 million in assets on March 31, 2026, according to its NCUA call report. None of its 2 Normal locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Main Office main office1309 S Center St, 61761
All hours
Mon to Tue 7:30 am to 6 pm; Wed not published; Thu to Fri 7:30 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Bone Student Center Branch100 N University St, 61761
All hours
Mon to Tue 9 am to 5 pm; Wed 11:30 am to 4 pm; Thu to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Bank of Springfield Bank · 1
Bank of Springfield has 1 branch in Normal, 15 across Illinois and 17 nationwide. FDIC records list its main office in Springfield, IL and show it operating since 1965. With $2.00 billion in total assets on June 30, 2026, it ranks No. 608 of 4,232 U.S. banks by total assets. The Bloomington Normal Facility Branch at 1713 Fort Jesse Rd dates to 2023 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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Bloomington Normal Facility Branch1713 Fort Jesse Rd, 61761
Chase Bank · 1
Chase has 1 branch in Normal, 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 Normal Branch at 107 S Veterans Pkwy dates to 2025 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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Normal Branch107 S Veterans Pkwy, 61761
Citizens Bank of Chatsworth Bank · 1
Citizens Bank of Chatsworth has 1 branch in Normal, 2 across Illinois and 2 nationwide. FDIC records list its main office in Chatsworth, IL and show it operating since 1903. With $36.2 million in total assets on June 30, 2026, it ranks No. 4,144 of 4,232 U.S. banks by total assets. The Normal Branch at 1710 E College Ave dates to 1995 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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Normal Branch1710 E College Ave, 61761
Citizens Equity First Credit Union Credit union · 1
Citizens Equity First Credit Union has 1 office in Normal, 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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Normal Member Center3 Traders Cir, 61761
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Commerce Bank Bank · 1
Commerce Bank has 1 branch in Normal, 10 across Illinois and 154 nationwide. FDIC records list its main office in Kansas City, MO and show it operating since 1984. With $35.02 billion in total assets on June 30, 2026, it ranks No. 61 of 4,232 U.S. banks by total assets. The Normal East Branch at 1500 E College Ave dates to 1979 in FDIC branch records. It opens on Saturday.
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Normal East Branch1500 E College Ave, 61761
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: Commerce Bank branch locator (All The Places), checked Oct 10, 2026
Land of Lincoln Credit Union Credit union · 1
Land of Lincoln Credit Union has 1 office in Normal, 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. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Bloomington/Normal115 Susan Dr Unit 1, 61761
All hours
Mon to Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Morton Community Bank Bank · 1
Morton Community Bank has 1 branch in Normal, 49 across Illinois and 49 nationwide. FDIC records list its main office in Morton, IL and show it operating since 1961. With $5.35 billion in total assets on June 30, 2026, it ranks No. 277 of 4,232 U.S. banks by total assets. The Ft. Jesse Branch at 1508 Fort Jesse Rd dates to 2014 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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Ft. Jesse Branch1508 Fort Jesse Rd, 61761
Normal City Employees Credit Union Credit union · 1
Normal City Employees Credit Union has 1 office in Normal, 1 across Illinois. It is based in Normal, IL and $4.5 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 office100 E Phoenix Ave, 61761
All hours
Mon to Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
PNC Bank Bank · 1
PNC Bank has 1 branch in Normal, 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 East College Branch at 1501 E College Ave dates to 1941 in FDIC branch records. It opens on Saturday.
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East College Branch1501 E College Ave, 61761
All hours
Mon not published; Tue to Fri 9 am to 5 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 Normal, 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 Normal Branch at 1401 S Main St dates to 1995 in FDIC branch records. Its published hours do not list Saturday.
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Normal Branch1401 S Main St, 61761
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
University of Illinois Community Credit Union Credit union · 1
University of Illinois Community Credit Union has 1 office in Normal, 8 across Illinois. It is based in Champaign, IL and $767.1 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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Kays Branch416 Kays Dr, 61761
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Normal
5 credit unions have 6 offices here: Illinois State Credit Union, Citizens Equity First Credit Union, University of Illinois Community Credit Union, Land of Lincoln Credit Union and Normal City Employees 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 Normal page has every office in the state's directory.
Banking in Normal: the local picture
Short answer: 8 banks run 9 branches in Normal 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 8 banks, 0 have their main office in Normal, 4 elsewhere in Illinois and 4 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 Heartland Bank's office at 200 W College Ave, dating to 1914; the newest is Chase's at 107 S Veterans Pkwy, from 2025.
5 credit unions have 6 offices in Normal, according to the NCUA. Who can join each one is on the credit unions page.
Of the 9 locations with published hours. 3 open on Saturday. 6 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Normal
Short answer: 3 of the 9 Normal locations with published hours open on Saturday, run by 3 institutions.
- PNC Bank: 1 of 1 branch (1501 E College Ave: Saturday 9 am to 1 pm)
- Commerce Bank: 1 of 1 branch (1500 E College Ave: Saturday 9 am to 12 pm)
- Citizens Equity First Credit Union: 1 of 1 office (3 Traders Cir: Saturday 9 am to 1 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; 6 of the 15 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 Normal, and where the nearest one is if they do not.
Short answer: In Normal: Chase (1), PNC Bank (1), U.S. Bank (1). No branches in Normal: Wells Fargo (nearest in Canton, 56 mi), Bank of America (nearest in Shorewood, 82 mi), Truist, Fifth Third Bank (nearest in Shorewood, 80 mi), Huntington (nearest in Shorewood, 81 mi), Regions Bank (nearest in Bloomington, 2 mi), TD Bank, BMO (nearest in Channahon, 72 mi).
| Bank | In Normal | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| PNC Bank | 1 branch | here |
| U.S. Bank | 1 branch | here |
| Wells Fargo | None | Canton, 56 miles away |
| Bank of America | None | Shorewood, 82 miles away |
| Truist | None | none in Illinois |
| Fifth Third Bank | None | Shorewood, 80 miles away |
| Huntington | None | Shorewood, 81 miles away |
| Regions Bank | None | Bloomington, 2 miles away |
| TD Bank | None | none in Illinois |
| BMO | None | Channahon, 72 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Normal 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 Normal residents like anyone else.
Banks near Normal
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Bloomington (2 miles) and Le Roy (16 miles). Bloomington, 2 miles away, has the most banks nearby: 18.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Bloomington, IL | 2 mi | 18 | 26 |
| Banks in Le Roy, IL | 16 mi | 2 | 2 |
| Banks in El Paso, IL | 16 mi | 2 | 2 |
| Banks in Minier, IL | 19 mi | 2 | 2 |
| Banks in Chenoa, IL | 20 mi | 2 | 2 |
| Banks in Eureka, IL | 21 mi | 3 | 5 |
| Banks in Roanoke, IL | 23 mi | 2 | 2 |
| Banks in Clinton, IL | 25 mi | 4 | 4 |
Bank branch openings and closings in Normal
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show 1 branch opening in Normal between September 5, 2025 and September 5, 2026.
| Date | Change | Bank | Address |
|---|---|---|---|
| Dec 16, 2025 | Opened | Chase | 107 S Veterans Pkwy, 61761 |
Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.
Banks and credit unions based in Normal
Short answer: 2 institutions have their main office in Normal: Illinois State Credit Union and Normal City Employees Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Illinois State Credit Union | Credit union | $252.6 million | 2 |
| Normal City Employees Credit Union | Credit union | $4.5 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Normal by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Normal offices.
Short answer: Chase is the largest bank with offices in Normal, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. U.S. Bank is second with $705.55 billion. 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 |
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Commerce Bank | $35.02 billion | No. 61 | 1 | Kansas City, MO |
| Heartland Bank | $6.72 billion | No. 231 | 2 | Bloomington, IL |
| Morton Community Bank | $5.35 billion | No. 277 | 1 | Morton, IL |
| Bank of Springfield | $2.00 billion | No. 608 | 1 | Springfield, IL |
| Citizens Bank of Chatsworth | $36.2 million | No. 4,144 | 1 | Chatsworth, 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 Normal: FAQ
How many banks are in Normal, IL?
Normal has 8 banks with 9 branches and 5 credit unions with 6 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 Normal?
Heartland Bank, with 2. Chase has 1 and U.S. Bank has 1.
Is there a Heartland Bank in Normal, IL?
Yes. FDIC data lists 2 Heartland Bank branches in Normal as of September 5, 2026. Its branches are listed under Heartland Bank above, with the address and directions for each.
Is there a Chase in Normal, IL?
Yes. FDIC data lists 1 Chase branch in Normal as of September 5, 2026. The address and directions are under Chase above.
Is there a U.S. Bank in Normal, IL?
Yes. FDIC data lists 1 U.S. Bank branch in Normal as of September 5, 2026. The address and directions are under U.S. Bank above.
Is there a Wells Fargo in Normal, IL?
No. FDIC data lists no Wells Fargo branch in Normal as of September 5, 2026. The nearest is in Canton, about 56 miles away in a straight line.
Which banks in Normal are open on Saturday?
PNC Bank, Commerce Bank and Citizens Equity First Credit Union publish Saturday hours for one or more Normal locations. The Saturday section above lists each one with its hours. 6 of the 15 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Normal?
Illinois State Credit Union and Normal City Employees Credit Union have their main office in Normal, according to the FDIC and the NCUA.
What is the oldest bank in Normal?
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 Normal?
Illinois State Credit Union, Citizens Equity First Credit Union, University of Illinois Community Credit Union and Land of Lincoln Credit Union and 1 more have offices in Normal. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Normal in the past year?
FDIC branch records show 1 branch opening 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 Normal?
Nearby cities with more banks include Bloomington, Le Roy, El Paso. Bloomington is 2 miles away with 18 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 5 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 (3 of 9 branches: Commerce 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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