Banks in Pontiac, IL

Bank branch map: Pontiac

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: 7 banks and credit unions operate 11 locations in Pontiac, according to the FDIC and the NCUA. 11 of them have coordinates on record and are on the map. 3 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 Pontiac

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

Short answer: First Financial Bank, Bank of Pontiac and State Bank of Graymont have the most locations in Pontiac, with 2 each. 2 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.

Bank of Pontiac 2 branches · main office Pontiac, IL Bank · 2

Bank of Pontiac has 2 branches in Pontiac, 14 across Illinois and 14 nationwide. FDIC records list its main office in Pontiac, IL and show it operating since 1947. With $1.18 billion in total assets on June 30, 2026, it ranks No. 913 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Pontiac location is its main office at 300 W Washington St, dating to 1947; the newest, at 1703 West Reynolds Street, to 1996. It does not publish hours in the sources this page uses; check its site before you go.

• Main Office main office

  300 W Washington St, 61764

  Hours: see the bank's site
  DirectionsWebsite
• Bank Of Pontiac West

  1703 West Reynolds Street, 61764

  Hours: see the bank's site
  DirectionsWebsite

Bank of Pontiac: profile, branches and contacts

First Financial Bank 2 branches · main office Terre Haute, IN Bank · 2

First Financial Bank has 2 branches in Pontiac, 24 across Illinois and 83 nationwide. FDIC records list its main office in Terre Haute, IN and show it operating since 1863. With $6.17 billion in total assets on June 30, 2026, it ranks No. 245 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Pontiac location is the North Mill Branch at 223 N Mill St, dating to 1934; the newest, at 1023 W Reynolds St, to 1980. It does not publish hours in the sources this page uses; check its site before you go.

• West Facility Branch

  1023 W Reynolds St, 61764

  Hours: see the bank's site
  DirectionsWebsite
• North Mill Branch

  223 N Mill St, 61764

  Hours: see the bank's site
  DirectionsWebsite

First Financial Bank: profile, branches and contacts

Pontiac Dwight Prison Employs Credit Union 2 offices · main office Pontiac, IL Credit union · 2

Pontiac Dwight Prison Employs Credit Union has 2 officees in Pontiac, 2 across Illinois. It is based in Pontiac, IL and $8.1 million in assets on March 31, 2026, according to its NCUA call report. None of its 2 Pontiac locations with published hours lists Saturday hours.

Who can join: see the credit union's site.

• Main Office main office

  300 N Ladd St, 61764

  (815) 844-7491Today 8 am to 4:30 pm

  All hours

  Mon 8 am to 4:30 pm; Tue not published; Wed 8 am to 4:30 pm; Thu not published; Fri 8 am to 4:30 pm; Sat to Sun not published

  Hours: NCUA, March 31, 2026

  Directions
• Disaster Recovery

  971 N Hazel St, 61764

  (815) 844-7357Today 9 am to 4:30 pm

  All hours

  Mon to Fri 9 am to 4:30 pm; Sat to Sun not published

  Hours: NCUA, March 31, 2026

  Directions

Pontiac Dwight Prison Employs Credit Union: profile, branches and contacts

State Bank of Graymont 2 branches · main office Graymont, IL Bank · 2

State Bank of Graymont has 2 branches in Pontiac, 5 across Illinois and 5 nationwide. FDIC records list its main office in Graymont, IL and show it operating since 1913. With $312.7 million in total assets on June 30, 2026, it ranks No. 2,416 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Pontiac location is the Pontiac Branch at 901 E Howard St, dating to 1996; the newest, at 1100 W Howard St, to 1999. It does not publish hours in the sources this page uses; check its site before you go.

• Pontiac Branch

  1100 W Howard St, 61764

  Hours: see the bank's site
  DirectionsWebsite
• Pontiac Branch

  901 E Howard St, 61764

  Hours: see the bank's site
  DirectionsWebsite

State Bank of Graymont: profile, branches and contacts

Flanagan State Bank 1 branch · main office Flanagan, IL Bank · 1

Flanagan State Bank has 1 branch in Pontiac, 10 across Illinois and 15 nationwide. FDIC records list its main office in Flanagan, IL and show it operating since 1913. With $300.3 million in total assets on June 30, 2026, it ranks No. 2,480 of 4,232 U.S. banks by total assets. The Flanagan State Bank - Pontiac Branch at 423b W Madison St dates to 2022 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Flanagan State Bank - Pontiac Branch

  423b W Madison St, 61764

  Hours: see the bank's site
  DirectionsWebsite

Flanagan State Bank: profile, branches and contacts

Streator Onized Credit Union 1 office · main office Streator, IL Credit union · 1

Streator Onized Credit Union has 1 office in Pontiac, 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 opens on Saturday.

Who can join: see the credit union's site.

• Socu Pontiac Branch

  610 S Newport Rd, 61764

  (815) 842-1437Today 9 am to 5 pm

  All hours

  Mon to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published

  Hours: NCUA, March 31, 2026

  Directions

Streator Onized Credit Union: profile, branches and contacts

Woodforest Woodforest National Bank · 1 branch · main office The Woodlands, TX Bank · 1

Woodforest has 1 branch in Pontiac, 38 across Illinois and 743 nationwide. FDIC records list its main office in The Woodlands, TX and show it operating since 1980. With $8.98 billion in total assets on June 30, 2026, it ranks No. 181 of 4,232 U.S. banks by total assets. The 0153 Pontiac Walmart Branch at 1706 W Reynolds St dates to 2007 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• 0153 Pontiac Walmart Branch

  1706 W Reynolds St, 61764

  Hours: see the bank's site
  DirectionsWebsite

Woodforest: profile, branches and contacts

Join a credit union in Pontiac

2 credit unions have 3 offices here: Pontiac Dwight Prison Employs Credit Union and Streator Onized 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 Pontiac page has every office in the state's directory.

Banking in Pontiac: the local picture

Short answer: 5 banks run 8 branches in Pontiac 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 5 banks, 1 has its main office in Pontiac, 2 elsewhere in Illinois and 2 out of state, according to the FDIC.

The bank with the longest record here is First Financial Bank, operating since 1863 according to the FDIC. In FDIC branch records, the longest-running branch is First Financial Bank's office at 223 N Mill St, dating to 1934; the newest is Flanagan State Bank's at 423b W Madison St, from 2022.

2 credit unions have 3 offices in Pontiac, according to the NCUA. Who can join each one is on the credit unions page.

Of the 3 locations with published hours. 1 opens on Saturday. 8 locations have no published hours in these sources.

Credit unions open on Saturday in Pontiac

Short answer: 1 of the 3 Pontiac locations with published hours opens on Saturday, run by 1 institution.

• Streator Onized Credit Union: 1 of 1 office (610 S Newport Rd: 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; 8 of the 11 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 Pontiac, and where the nearest one is if they do not.

Short answer: No branches in Pontiac: Chase (nearest in Normal, 30 mi), Wells Fargo (nearest in Naperville, 67 mi), Bank of America (nearest in Shorewood, 51 mi), PNC Bank (nearest in Normal, 30 mi), U.S. Bank (nearest in Bloomington, 32 mi), Truist, Fifth Third Bank (nearest in Shorewood, 50 mi), Huntington (nearest in Shorewood, 51 mi), Regions Bank (nearest in Bloomington, 32 mi), TD Bank, BMO (nearest in Channahon, 42 mi).

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

Banks near Pontiac

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

Short answer: The closest towns with more choice are Chenoa (10 miles) and Fairbury (11 miles). Streator, 20 miles away, has the most banks nearby: 5.

Bank branch openings and closings in Pontiac

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

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

Short answer: 2 institutions have their main office in Pontiac: Bank of Pontiac and Pontiac Dwight Prison Employs Credit Union.

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

Largest banks in Pontiac by total assets

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

Short answer: Woodforest is the largest bank with offices in Pontiac, with $8.98 billion in total assets on June 30, 2026, No. 181 among U.S. banks by total assets. First Financial Bank is second with $6.17 billion. 1 of the 5 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 Pontiac: FAQ

How we build this page

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