Banks in Saint Elmo, IL

Bank branch map: Saint Elmo

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: 2 banks and credit unions operate 2 locations in Saint Elmo, 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 Saint Elmo

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

Short answer: United Fidelity Bank, fsb and Dieterich Bank have the most locations in Saint Elmo, with 1 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.

Dieterich Bank 1 branch · main office Effingham, IL Bank · 1

Dieterich Bank has 1 branch in Saint Elmo, 17 across Illinois and 17 nationwide. FDIC records list its main office in Effingham, IL and show it operating since 1909. With $1.55 billion in total assets on June 30, 2026, it ranks No. 728 of 4,232 U.S. banks by total assets. The Saint Elmo Branch at 423 E Cumberland Rd dates to 2015 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Saint Elmo Branch

  423 E Cumberland Rd, 62458

  Hours: see the bank's site
  DirectionsWebsite

Dieterich Bank: profile, branches and contacts

United Fidelity Bank, fsb 1 branch · main office Evansville, IN Bank · 1

United Fidelity Bank, fsb has 1 branch in Saint Elmo, 6 across Illinois and 20 nationwide. FDIC records list its main office in Evansville, IN and show it operating since 1931. With $6.49 billion in total assets on June 30, 2026, it ranks No. 239 of 4,232 U.S. banks by total assets. The Fayette County Branch at 320 N Main St dates to 1894 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Fayette County Branch

  320 N Main St, 62458

  Hours: see the bank's site
  DirectionsWebsite

United Fidelity Bank, fsb: profile, branches and contacts

Banking in Saint Elmo: the local picture

Short answer: 2 banks run 2 branches in Saint Elmo 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 2 banks, 0 have their main office in Saint Elmo, 1 elsewhere in Illinois and 1 out of state, according to the FDIC.

The bank with the longest record here is Dieterich Bank, operating since 1909 according to the FDIC. In FDIC branch records, the longest-running branch is United Fidelity Bank, fsb's office at 320 N Main St, dating to 1894; the newest is Dieterich Bank's at 423 E Cumberland Rd, from 2015.

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 Saint Elmo, and where the nearest one is if they do not.

Short answer: No branches in Saint Elmo: Chase (nearest in Edwardsville, 62 mi), Wells Fargo (nearest in Canton, 123 mi), Bank of America (nearest in O Fallon, 66 mi), PNC Bank (nearest in Decatur, 59 mi), U.S. Bank (nearest in Centralia, 38 mi), Truist, Fifth Third Bank (nearest in Effingham, 18 mi), Huntington (nearest in Shorewood, 177 mi), Regions Bank (nearest in Centralia, 38 mi), TD Bank, BMO (nearest in Belleville, 69 mi).

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

Banks near Saint Elmo

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

Short answer: The closest towns with more choice are Altamont (6 miles) and Farina (14 miles). Effingham, 18 miles away, has the most banks nearby: 9.

Bank branch openings and closings in Saint Elmo

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

Short answer: FDIC branch records show no bank branch openings in Saint Elmo between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Saint Elmo by total assets

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

Short answer: United Fidelity Bank, fsb is the largest bank with offices in Saint Elmo, with $6.49 billion in total assets on June 30, 2026, No. 239 among U.S. banks by total assets. Dieterich Bank is second with $1.55 billion. 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 Saint Elmo: FAQ

How we build this page

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