US Bank Directory
Banks in Ottawa, IL
6 FDIC-insured banks operate 10 offices in Ottawa, Illinois, and 4 credit unions have 5 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Ottawa
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: 10 banks and credit unions operate 15 locations in Ottawa, according to the FDIC and the NCUA. 15 of them have coordinates on record and are on the map. 3 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
15 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 Ottawa
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: American Commercial Bank & Trust has the most locations in Ottawa, with 4. It is followed by First Federal Savings Bank (2). 4 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.
American Commercial Bank & Trust Bank · 4
American Commercial Bank & Trust has 4 branches in Ottawa, 11 across Illinois and 11 nationwide. FDIC records list its main office in Ottawa, IL and show it operating since 1865. With $2.07 billion in total assets on June 30, 2026, it ranks No. 590 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Ottawa location is its main office at 701 La Salle St, dating to 1865; the newest, at 2771 Columbus St, 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 office701 La Salle St, 61350
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Northfield Branch2771 Columbus St, 61350
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Plaza Facility300 West Madison Street, 61350
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South Branch601 State St, 61350
First Federal Savings Bank Bank · 2
First Federal Savings Bank has 2 branches in Ottawa, 11 across Illinois and 11 nationwide. FDIC records list its main office in Ottawa, IL and show it operating since 1889. With $421.9 million in total assets on June 30, 2026, it ranks No. 2,001 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Ottawa location is its main office at 633 La Salle St, dating to 1889; the newest, at 433 W Main St, to 1994. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office633 La Salle St, 61350
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West Main Street Branch433 W Main St, 61350
Ottawa Hiway Credit Union Credit union · 2
Ottawa Hiway Credit Union has 2 officees in Ottawa, 3 across Illinois. It is based in Ottawa, IL and $15.9 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 office700 E Norris Dr, 61350
All hours
Mon to Fri 8 am to 3 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Building B700 E Norris Dr, 61350
Financial Plus Credit Union Credit union · 1
Financial Plus Credit Union has 1 office in Ottawa, 5 across Illinois. It is based in Ottawa, IL and $603.3 million 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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Main Office main office800 Chestnut St, 61350
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
First State Bank Bank · 1
First State Bank has 1 branch in Ottawa, 20 across Illinois and 20 nationwide. FDIC records list its main office in Mendota, IL and show it operating since 1940. With $1.56 billion in total assets on June 30, 2026, it ranks No. 722 of 4,232 U.S. banks by total assets. The Ottawa Branch at 1212 La Salle St dates to 2004 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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Ottawa Branch1212 La Salle St, 61350
Illinois State Credit Union Credit union · 1
Illinois State Credit Union has 1 office in Ottawa, 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. It opens on Saturday.
Who can join: see the credit union's site.
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Ottawa Branch311 E Joliet St, 61350
All hours
Mon to Tue 9 am to 4 pm; Wed 11 am to 4 pm; Thu to Fri 9 am to 4 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Midland States Bank Bank · 1
Midland States Bank has 1 branch in Ottawa, 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. The Triumph/Ottawa Branch at 400 E Etna Rd dates to 1905 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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Triumph/Ottawa Branch400 E Etna Rd, 61350
Old Second National Bank Bank · 1
Old Second National Bank has 1 branch in Ottawa, 57 across Illinois and 57 nationwide. FDIC records list its main office in Aurora, IL and show it operating since 1887. With $6.86 billion in total assets on June 30, 2026, it ranks No. 225 of 4,232 U.S. banks by total assets. The Ottawa Branch at 323 E Norris Dr dates to 1978 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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Ottawa Branch323 E Norris Dr, 61350
OSB Community Bank Bank · 1
OSB Community Bank has 1 branch in Ottawa, 3 across Illinois and 3 nationwide. FDIC records list its main office in Ottawa, IL and show it operating since 1871. With $355.6 million in total assets on June 30, 2026, it ranks No. 2,239 of 4,232 U.S. banks by total assets. Its main office at 925 La Salle St dates to 1871 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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Main Office main office925 La Salle St, 61350
Streator Onized Credit Union Credit union · 1
Streator Onized Credit Union has 1 office in Ottawa, 7 across Illinois. It is based in Streator, IL and $423.1 million in assets on March 31, 2026, according to its NCUA call report. It does not publish hours in the sources this page uses; check its site before you go.
Who can join: see the credit union's site.
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Streator Onized Credit Union721 Columbus St, 61350
Join a credit union in Ottawa
4 credit unions have 5 offices here: Ottawa Hiway Credit Union, Financial Plus Credit Union, Streator Onized Credit Union and Illinois State 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 Ottawa page has every office in the state's directory.
Banking in Ottawa: the local picture
Short answer: 6 banks run 10 branches in Ottawa 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 6 banks, 3 have their main office in Ottawa, 3 elsewhere in Illinois, according to the FDIC.
The bank with the longest record here is American Commercial Bank & Trust, operating since 1865 according to the FDIC. In FDIC branch records, the longest-running branch is American Commercial Bank & Trust's office at 701 La Salle St, dating to 1865; the newest is First State Bank's at 1212 La Salle St, from 2004.
4 credit unions have 5 offices in Ottawa, according to the NCUA. Who can join each one is on the credit unions page.
Of the 3 locations with published hours. 2 open on Saturday. 12 locations have no published hours in these sources.
Credit unions open on Saturday in Ottawa
Short answer: 2 of the 3 Ottawa locations with published hours open on Saturday, run by 2 institutions.
- Financial Plus Credit Union: 1 of 1 office (800 Chestnut St: Saturday 8 am to 12 pm)
- Illinois State Credit Union: 1 of 1 office (311 E Joliet St: 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; 12 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 Ottawa, and where the nearest one is if they do not.
Short answer: No branches in Ottawa: Chase (nearest in Morris, 22 mi), Wells Fargo (nearest in Naperville, 46 mi), Bank of America (nearest in Shorewood, 36 mi), PNC Bank (nearest in Plainfield, 36 mi), U.S. Bank (nearest in Shorewood, 36 mi), Truist, Fifth Third Bank (nearest in Shorewood, 35 mi), Huntington (nearest in Shorewood, 36 mi), Regions Bank (nearest in Peoria, 59 mi), TD Bank, BMO (nearest in Plano, 26 mi).
| Bank | In Ottawa | Nearest branch if none here |
|---|---|---|
| Chase | None | Morris, 22 miles away |
| Wells Fargo | None | Naperville, 46 miles away |
| Bank of America | None | Shorewood, 36 miles away |
| PNC Bank | None | Plainfield, 36 miles away |
| U.S. Bank | None | Shorewood, 36 miles away |
| Truist | None | none in Illinois |
| Fifth Third Bank | None | Shorewood, 35 miles away |
| Huntington | None | Shorewood, 36 miles away |
| Regions Bank | None | Peoria, 59 miles away |
| TD Bank | None | none in Illinois |
| BMO | None | Plano, 26 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Ottawa 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 Ottawa residents like anyone else.
Banks near Ottawa
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Marseilles (7 miles) and Seneca (12 miles). Peru, 15 miles away, has the most banks nearby: 10.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Marseilles, IL | 7 mi | 2 | 3 |
| Banks in Seneca, IL | 12 mi | 2 | 2 |
| Banks in Oglesby, IL | 12 mi | 3 | 4 |
| Banks in La Salle, IL | 13 mi | 4 | 5 |
| Banks in Peru, IL | 15 mi | 10 | 11 |
| Banks in Streator, IL | 15 mi | 5 | 6 |
| Banks in Spring Valley, IL | 19 mi | 2 | 2 |
| Banks in Mendota, IL | 20 mi | 3 | 4 |
Bank branch openings and closings in Ottawa
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Ottawa 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 Ottawa
Short answer: 5 institutions have their main office in Ottawa: American Commercial Bank & Trust, First Federal Savings Bank, Ottawa Hiway Credit Union and Financial Plus Credit Union and 1 more.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| American Commercial Bank & Trust | Bank | $2.07 billion | 4 |
| First Federal Savings Bank | Bank | $421.9 million | 2 |
| Ottawa Hiway Credit Union | Credit union | $15.9 million | 2 |
| Financial Plus Credit Union | Credit union | $603.3 million | 1 |
| OSB Community Bank | Bank | $355.6 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Ottawa by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Ottawa offices.
Short answer: Old Second National Bank is the largest bank with offices in Ottawa, with $6.86 billion in total assets on June 30, 2026, No. 225 among U.S. banks by total assets. Midland States Bank is second with $6.69 billion. 3 of the 6 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 |
|---|---|---|---|---|
| Old Second National Bank | $6.86 billion | No. 225 | 1 | Aurora, IL |
| Midland States Bank | $6.69 billion | No. 233 | 1 | Effingham, IL |
| American Commercial Bank & Trust | $2.07 billion | No. 590 | 4 | Ottawa, IL |
| First State Bank | $1.56 billion | No. 722 | 1 | Mendota, IL |
| First Federal Savings Bank | $421.9 million | No. 2,001 | 2 | Ottawa, IL |
| OSB Community Bank | $355.6 million | No. 2,239 | 1 | Ottawa, 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 Ottawa: FAQ
How many banks are in Ottawa, IL?
Ottawa has 6 banks with 10 branches and 4 credit unions with 5 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 Ottawa?
American Commercial Bank & Trust, with 4. First Federal Savings Bank has 2 and Old Second National Bank has 1.
Is there a American Commercial Bank & Trust in Ottawa, IL?
Yes. FDIC data lists 4 American Commercial Bank & Trust branches in Ottawa as of September 5, 2026, the main office at 701 La Salle St. Its branches are listed under American Commercial Bank & Trust above, with the address and directions for each.
Is there a First Federal Savings Bank in Ottawa, IL?
Yes. FDIC data lists 2 First Federal Savings Bank branches in Ottawa as of September 5, 2026, the main office at 633 La Salle St. Its branches are listed under First Federal Savings Bank above, with the address and directions for each.
Is there a Old Second National Bank in Ottawa, IL?
Yes. FDIC data lists 1 Old Second National Bank branch in Ottawa as of September 5, 2026. The address and directions are under Old Second National Bank above.
Is there a Chase in Ottawa, IL?
No. FDIC data lists no Chase branch in Ottawa as of September 5, 2026. The nearest is in Morris, about 22 miles away in a straight line.
Which banks in Ottawa are open on Saturday?
Financial Plus Credit Union and Illinois State Credit Union publish Saturday hours for one or more Ottawa locations. The Saturday section above lists each one with its hours. 12 of the 15 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Ottawa?
American Commercial Bank & Trust, First Federal Savings Bank, Ottawa Hiway Credit Union, Financial Plus Credit Union and OSB Community Bank have their main office in Ottawa, according to the FDIC and the NCUA.
What is the oldest bank in Ottawa?
American Commercial Bank & Trust has the longest record among banks with a branch here: the FDIC shows it operating since 1865.
Which credit unions can I join in Ottawa?
Ottawa Hiway Credit Union, Financial Plus Credit Union, Streator Onized Credit Union and Illinois State Credit Union have offices in Ottawa. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Ottawa 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 Ottawa?
Nearby cities with more banks include Marseilles, Seneca, Oglesby. Marseilles is 7 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 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 |
| 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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