Banks in Saint Joseph, IL

Bank branch map: Saint Joseph

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: 3 banks and credit unions operate 3 locations in Saint Joseph, according to the FDIC. 3 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 Joseph

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

Short answer: The Fountain Trust, Longview Bank and Philo Exchange Bank have the most locations in Saint Joseph, with 1 each. 3 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.

Longview Bank 1 branch · main office Ogden, IL Bank · 1

Longview Bank has 1 branch in Saint Joseph, 13 across Illinois and 13 nationwide. FDIC records list its main office in Ogden, IL and show it operating since 1899. With $732.1 million in total assets on June 30, 2026, it ranks No. 1,345 of 4,232 U.S. banks by total assets. The St. Joseph First Branch at 220 E Grand Ave dates to 1990 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• St. Joseph First Branch

  220 E Grand Ave, 61873

  Hours: see the bank's site
  DirectionsWebsite

Longview Bank: profile, branches and contacts

Philo Exchange Bank 1 branch · main office Philo, IL Bank · 1

Philo Exchange Bank has 1 branch in Saint Joseph, 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. The 802 E. Warren Street Branch at 802 E. Warren Street dates to 2021 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• 802 E. Warren Street Branch

  802 E. Warren Street, 61873

  Hours: see the bank's site
  DirectionsWebsite

Philo Exchange Bank: profile, branches and contacts

The Fountain Trust 1 branch · main office Covington, IN Bank · 1

The Fountain Trust has 1 branch in Saint Joseph, 4 across Illinois and 20 nationwide. FDIC records list its main office in Covington, IN and show it operating since 1903. With $844.6 million in total assets on June 30, 2026, it ranks No. 1,202 of 4,232 U.S. banks by total assets. The Saint Joseph Branch at 218 East Lincoln dates to 2005 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Saint Joseph Branch

  218 East Lincoln, 61873

  Hours: see the bank's site
  DirectionsWebsite

The Fountain Trust: profile, branches and contacts

Banking in Saint Joseph: the local picture

Short answer: 3 banks run 3 branches in Saint Joseph 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 3 banks, 0 have their main office in Saint Joseph, 2 elsewhere in Illinois and 1 out of state, 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 Longview Bank's office at 220 E Grand Ave, dating to 1990; the newest is Philo Exchange Bank's at 802 E. Warren Street, from 2021.

None of the 3 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 Joseph, and where the nearest one is if they do not.

Short answer: No branches in Saint Joseph: Chase (nearest in Urbana, 9 mi), Wells Fargo (nearest in Canton, 110 mi), Bank of America (nearest in New Lenox, 97 mi), PNC Bank (nearest in Urbana, 9 mi), U.S. Bank (nearest in Charleston, 44 mi), Truist, Fifth Third Bank (nearest in Effingham, 74 mi), Huntington (nearest in New Lenox, 97 mi), Regions Bank (nearest in Decatur, 49 mi), TD Bank, BMO (nearest in Manhattan, 90 mi).

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

Banks near Saint Joseph

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

Short answer: The closest towns with more choice are Urbana (8 miles) and Savoy (12 miles). Champaign, 12 miles away, has the most banks nearby: 21.

Bank branch openings and closings in Saint Joseph

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

Short answer: FDIC branch records show no bank branch openings in Saint Joseph 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 Joseph by total assets

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

Short answer: The Fountain Trust is the largest bank with offices in Saint Joseph, with $844.6 million in total assets on June 30, 2026, No. 1,202 among U.S. banks by total assets. Longview Bank is second with $732.1 million. 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 Joseph: FAQ

How we build this page

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