US Bank Directory
Banks in Sterling, IL
8 FDIC-insured banks operate 13 offices in Sterling, Illinois, and 3 credit unions have 3 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Sterling
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: 11 banks and credit unions operate 16 locations in Sterling, according to the FDIC and the NCUA. 16 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
16 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 Sterling
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Sauk Valley Bank has the most locations in Sterling, with 4. It is followed by Midland States Bank (2), Sterling Federal Bank, F.S.B. (2). 5 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.
Sauk Valley Bank Bank · 4
Sauk Valley Bank has 4 branches in Sterling, 8 across Illinois and 11 nationwide. FDIC records list its main office in Sterling, IL and show it operating since 1999. With $790.8 million in total assets on June 30, 2026, it ranks No. 1,272 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Sterling location is the Sterling North Branch at 2403 Locust St, dating to 1891; the newest, at 201 W 3rd St, to 2014. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office201 W 3rd St, 61081
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Mobile Branch In Sterling Il201 W 3rd St, 61081
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Sterling North Branch2403 Locust St, 61081
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3319 E. Lincolnway, Sterling Il Branch3319 E Lincolnway, 61081
Midland States Bank Bank · 2
Midland States Bank has 2 branches in Sterling, 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. In FDIC branch records, its longest-running Sterling location is the Union Bank/Central at 3512 E Lincolnway, dating to 1998; the newest, at 4400 E Lincolnway, to 2023. It does not publish hours in the sources this page uses; check its site before you go.
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Union Bank/Central3512 E Lincolnway, 61081
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New Sterling Branch4400 E Lincolnway, 61081
Sterling Federal Bank, F.S.B. Bank · 2
Sterling Federal Bank, F.S.B. has 2 branches in Sterling, 8 across Illinois and 9 nationwide. FDIC records list its main office in Sterling, IL and show it operating since 1885. With $481.6 million in total assets on June 30, 2026, it ranks No. 1,842 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Sterling location is its main office at 110 E 4th St, dating to 1885; the newest, at 3200 E Lynn Blvd, to 1997. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office110 E 4th St, 61081
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Lynn Boulevard Limited Service Branch3200 E Lynn Blvd, 61081
1st Gateway Credit Union Credit union · 1
1st Gateway Credit Union has 1 office in Sterling, 4 across Illinois. It is based in Camanche, IA and $171.9 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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Sterling2536 E Lincolnway, 61081
All hours
Mon to Fri 7:30 am to 5:30 pm; Sat 7:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Central Bank Illinois Bank · 1
Central Bank Illinois has 1 branch in Sterling, 12 across Illinois and 12 nationwide. FDIC records list its main office in Geneseo, IL and show it operating since 1907. With $1.46 billion in total assets on June 30, 2026, it ranks No. 760 of 4,232 U.S. banks by total assets. The Sterling Branch at 2900 E Lincolnway dates to 2022 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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Sterling Branch2900 E Lincolnway, 61081
Community State Bank of Rock Falls Bank · 1
Community State Bank of Rock Falls has 1 branch in Sterling, 5 across Illinois and 5 nationwide. FDIC records list its main office in Rock Falls, IL and show it operating since 1975. With $318.4 million in total assets on June 30, 2026, it ranks No. 2,393 of 4,232 U.S. banks by total assets. The Sterling Il Branch at 3210 E Lincolnway dates to 2010 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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Sterling Il Branch3210 E Lincolnway, 61081
Cornerstone Credit Union Credit union · 1
Cornerstone Credit Union has 1 office in Sterling, 3 across Illinois. It is based in Freeport, IL and $178.0 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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Cornerstone Credit Union615 W 3Rd St, 61081
All hours
Mon to Tue 9 am to 5 pm; Wed 9:30 am to 5 pm; Thu to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Fifth Third Bank Bank · 1
Fifth Third Bank has 1 branch in Sterling, 161 across Illinois and 1,508 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1865. With $299.18 billion in total assets on June 30, 2026, it ranks No. 14 of 4,232 U.S. banks by total assets. The Sterling Facility at 2800 East Lincolnway dates to 1973 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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Sterling Facility2800 East Lincolnway, 61081
Select Employees Credit Union Credit union · 1
Select Employees Credit Union has 1 office in Sterling, 1 across Illinois. It is based in Sterling, IL and $78.7 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 office2412 Freeport Rd, 61081
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
TBK Bank Bank · 1
TBK Bank has 1 branch in Sterling, 15 across Illinois and 64 nationwide. FDIC records list its main office in Dallas, TX and show it operating since 1981. With $7.40 billion in total assets on June 30, 2026, it ranks No. 213 of 4,232 U.S. banks by total assets. The Sterling Branch at 215 3rd Ave dates to 1962 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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Sterling Branch215 3rd Ave, 61081
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Sterling, 153 across Illinois and 2,097 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1863. With $705.55 billion in total assets on June 30, 2026, it ranks No. 6 of 4,232 U.S. banks by total assets. The Sterling Branch at 305 4th Ave dates to 1934 in FDIC branch records. It opens on Saturday.
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Sterling Branch305 4th Ave, 61081
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Sterling
3 credit unions have 3 offices here: Cornerstone Credit Union, 1st Gateway Credit Union and Select Employees 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 Sterling page has every office in the state's directory.
Banking in Sterling: the local picture
Short answer: 8 banks run 13 branches in Sterling 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 8 banks, 2 have their main office in Sterling, 3 elsewhere in Illinois and 3 out of state, according to the FDIC.
The bank with the longest record here is U.S. Bank, operating since 1863 according to the FDIC. In FDIC branch records, the longest-running branch is Sterling Federal Bank, F.S.B.'s office at 110 E 4th St, dating to 1885; the newest is Midland States Bank's at 4400 E Lincolnway, from 2023.
3 credit unions have 3 offices in Sterling, according to the NCUA. Who can join each one is on the credit unions page.
Of the 4 locations with published hours. 4 open on Saturday. 12 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Sterling
Short answer: 4 of the 4 Sterling locations with published hours open on Saturday, run by 4 institutions.
- U.S. Bank: 1 of 1 branch (305 4th Ave: Saturday 9 am to 12 pm)
- Cornerstone Credit Union: 1 of 1 office (615 W 3Rd St: Saturday 9 am to 12 pm)
- 1st Gateway Credit Union: 1 of 1 office (2536 E Lincolnway: Saturday 7:30 am to 12 pm)
- Select Employees Credit Union: 1 of 1 office (2412 Freeport Rd: Saturday 9 am to 12 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 16 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 Sterling, and where the nearest one is if they do not.
Short answer: In Sterling: U.S. Bank (1), Fifth Third Bank (1). No branches in Sterling: Chase (nearest in Rockford, 47 mi), Wells Fargo (nearest in Geneseo, 35 mi), Bank of America (nearest in Aurora, 67 mi), PNC Bank (nearest in Rockford, 44 mi), Truist, Huntington (nearest in Aurora, 67 mi), Regions Bank (nearest in Peoria, 73 mi), TD Bank, BMO (nearest in Rockford, 44 mi).
| Bank | In Sterling | Nearest branch if none here |
|---|---|---|
| U.S. Bank | 1 branch | here |
| Fifth Third Bank | 1 branch | here |
| Chase | None | Rockford, 47 miles away |
| Wells Fargo | None | Geneseo, 35 miles away |
| Bank of America | None | Aurora, 67 miles away |
| PNC Bank | None | Rockford, 44 miles away |
| Truist | None | none in Illinois |
| Huntington | None | Aurora, 67 miles away |
| Regions Bank | None | Peoria, 73 miles away |
| TD Bank | None | none in Illinois |
| BMO | None | Rockford, 44 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Sterling 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 Sterling residents like anyone else.
Banks near Sterling
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Rock Falls (2 miles) and Dixon (10 miles). Dixon, 10 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Rock Falls, IL | 2 mi | 5 | 5 |
| Banks in Dixon, IL | 10 mi | 7 | 10 |
| Banks in Morrison, IL | 15 mi | 4 | 4 |
| Banks in Prophetstown, IL | 16 mi | 2 | 2 |
| Banks in Walnut, IL | 17 mi | 2 | 2 |
| Banks in Amboy, IL | 19 mi | 2 | 2 |
| Banks in Mount Morris, IL | 21 mi | 2 | 2 |
| Banks in Oregon, IL | 23 mi | 3 | 3 |
Bank branch openings and closings in Sterling
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Sterling 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 Sterling
Short answer: 3 institutions have their main office in Sterling: Sauk Valley Bank, Sterling Federal Bank, F.S.B. and Select Employees Credit Union.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Sauk Valley Bank | Bank | $790.8 million | 4 |
| Sterling Federal Bank, F.S.B. | Bank | $481.6 million | 2 |
| Select Employees Credit Union | Credit union | $78.7 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Sterling by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Sterling offices.
Short answer: U.S. Bank is the largest bank with offices in Sterling, with $705.55 billion in total assets on June 30, 2026, No. 6 among U.S. banks by total assets. Fifth Third Bank is second with $299.18 billion. 2 of the 8 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 |
|---|---|---|---|---|
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
| Fifth Third Bank | $299.18 billion | No. 14 | 1 | Cincinnati, OH |
| TBK Bank | $7.40 billion | No. 213 | 1 | Dallas, TX |
| Midland States Bank | $6.69 billion | No. 233 | 2 | Effingham, IL |
| Central Bank Illinois | $1.46 billion | No. 760 | 1 | Geneseo, IL |
| Sauk Valley Bank | $790.8 million | No. 1,272 | 4 | Sterling, IL |
| Sterling Federal Bank, F.S.B. | $481.6 million | No. 1,842 | 2 | Sterling, IL |
| Community State Bank of Rock Falls | $318.4 million | No. 2,393 | 1 | Rock Falls, 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 Sterling: FAQ
How many banks are in Sterling, IL?
Sterling has 8 banks with 13 branches and 3 credit unions with 3 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 Sterling?
Sauk Valley Bank, with 4. Midland States Bank has 2 and Sterling Federal Bank, F.S.B. has 2.
Is there a Sauk Valley Bank in Sterling, IL?
Yes. FDIC data lists 4 Sauk Valley Bank branches in Sterling as of September 5, 2026, the main office at 201 W 3rd St. Its branches are listed under Sauk Valley Bank above, with the address and directions for each.
Is there a Midland States Bank in Sterling, IL?
Yes. FDIC data lists 2 Midland States Bank branches in Sterling as of September 5, 2026. Its branches are listed under Midland States Bank above, with the address and directions for each.
Is there a Chase in Sterling, IL?
No. FDIC data lists no Chase branch in Sterling as of September 5, 2026. The nearest is in Rockford, about 47 miles away in a straight line.
Which banks in Sterling are open on Saturday?
U.S. Bank, Cornerstone Credit Union, 1st Gateway Credit Union and Select Employees Credit Union publish Saturday hours for one or more Sterling locations. The Saturday section above lists each one with its hours. 12 of the 16 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Sterling?
Sauk Valley Bank, Sterling Federal Bank, F.S.B. and Select Employees Credit Union have their main office in Sterling, according to the FDIC and the NCUA.
What is the oldest bank in Sterling?
U.S. Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1863.
Which credit unions can I join in Sterling?
Cornerstone Credit Union, 1st Gateway Credit Union and Select Employees Credit Union have offices in Sterling. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Sterling 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 Sterling?
Nearby cities with more banks include Rock Falls, Dixon, Morrison. Rock Falls is 2 miles away with 5 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 3 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 |
| Bank branch hours, phones and branch pages (1 of 13 branches: U.S. Bank) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 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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