Banks in Philo, IL

Bank branch map: Philo

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 2 locations in Philo, according to the FDIC. 2 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

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 Philo

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

Short answer: Philo Exchange Bank is the only bank with offices in Philo, with 2. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Philo Exchange Bank 2 branches · main office Philo, IL Bank · 2

Philo Exchange Bank has 2 branches in Philo, 6 across Illinois and 6 nationwide. FDIC records list its main office in Philo, IL and show it operating since 1883. With $156.6 million in total assets on June 30, 2026, it ranks No. 3,274 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Philo location is its main office at 102 W Washington St, dating to 1883; the newest, at 401 N Lincoln St, to 2011. It does not publish hours in the sources this page uses; check its site before you go.

• Main Office main office

  102 W Washington St, 61864

  Hours: see the bank's site
  DirectionsWebsite
• North Lincoln Street Branch (Route 130)

  401 N Lincoln St, 61864

  Hours: see the bank's site
  DirectionsWebsite

Philo Exchange Bank: profile, branches and contacts

Banking in Philo: the local picture

Short answer: 1 bank runs 2 branches in Philo according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Philo Exchange Bank has its main office in Philo, according to the FDIC.

The bank with the longest record here is Philo Exchange Bank, operating since 1883 according to the FDIC. In FDIC branch records, the longest-running branch is Philo Exchange Bank's office at 102 W Washington St, dating to 1883; the newest is Philo Exchange Bank's at 401 N Lincoln St, from 2011.

None of the 2 locations here publishes 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 Philo, and where the nearest one is if they do not.

Short answer: No branches in Philo: Chase (nearest in Urbana, 8 mi), Wells Fargo (nearest in Canton, 106 mi), Bank of America (nearest in New Lenox, 104 mi), PNC Bank (nearest in Urbana, 7 mi), U.S. Bank (nearest in Charleston, 36 mi), Truist, Fifth Third Bank (nearest in Effingham, 65 mi), Huntington (nearest in New Lenox, 104 mi), Regions Bank (nearest in Decatur, 40 mi), TD Bank, BMO (nearest in Channahon, 98 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Philo 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 Philo residents like anyone else.

Banks near Philo

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

Short answer: The closest towns with more choice are Tolono (6 miles) and Savoy (7 miles). Champaign, 9 miles away, has the most banks nearby: 21.

Bank branch openings and closings in Philo

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

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

Short answer: 1 institution has its main office in Philo: Philo Exchange Bank.

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

Largest banks in Philo by total assets

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

Short answer: Philo Exchange Bank is the largest bank with offices in Philo, with $156.6 million in total assets on June 30, 2026, No. 3,274 among U.S. banks by total assets. 1 of the 1 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 Philo: FAQ

How we build this page

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