US Bank Directory
Banks in Troy, IL
3 FDIC-insured banks operate 3 offices in Troy, Illinois, and 2 credit unions have 2 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Troy
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: 5 banks and credit unions operate 5 locations in Troy, according to the FDIC and the NCUA. 5 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
5 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 Troy
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Busey Bank, FCB Banks and Constitution Bank have the most locations in Troy, 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.
1st Midamerica Credit Union Credit union · 1
1st Midamerica Credit Union has 1 office in Troy, 9 across Illinois. It is based in Bethalto, IL and $1.01 billion 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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Troy Office100 Mcdonald Dr, 62294
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Busey Bank Bank · 1
Busey Bank has 1 branch in Troy, 50 across Illinois and 81 nationwide. FDIC records list its main office in Champaign, IL and show it operating since 1946. With $18.15 billion in total assets on June 30, 2026, it ranks No. 112 of 4,232 U.S. banks by total assets. The Troy Branch at 507 Edwardsville Rd dates to 1928 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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Troy Branch507 Edwardsville Rd, 62294
Constitution Bank Bank · 1
Constitution Bank has 1 branch in Troy, 14 across Illinois and 14 nationwide. FDIC records list its main office in Hillsboro, IL and show it operating since 1945. With $683.1 million in total assets on June 30, 2026, it ranks No. 1,405 of 4,232 U.S. banks by total assets. The Troy Branch at 304 Bargraves Blvd dates to 2025 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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Troy Branch304 Bargraves Blvd, 62294
FCB Banks Bank · 1
FCB Banks has 1 branch in Troy, 17 across Illinois and 20 nationwide. FDIC records list its main office in Collinsville, IL and show it operating since 1990. With $2.64 billion in total assets on June 30, 2026, it ranks No. 482 of 4,232 U.S. banks by total assets. The Troy Branch at 504 Edwardsville Rd dates to 1999 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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Troy Branch504 Edwardsville Rd, 62294
Scott Credit Union Credit union · 1
Scott Credit Union has 1 office in Troy, 19 across Illinois. It is based in Edwardsville, IL and $1.84 billion 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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Troy Branch501 Edwardsville Rd, 62294
All hours
Mon to Tue 9 am to 6 pm; Wed 10 am to 6 pm; Thu to Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Troy
2 credit unions have 2 offices here: Scott Credit Union and 1st Midamerica 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 Troy page has every office in the state's directory.
Banking in Troy: the local picture
Short answer: 3 banks run 3 branches in Troy 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 Troy, 3 elsewhere in Illinois, according to the FDIC.
The bank with the longest record here is Constitution Bank, operating since 1945 according to the FDIC. In FDIC branch records, the longest-running branch is Busey Bank's office at 507 Edwardsville Rd, dating to 1928; the newest is Constitution Bank's at 304 Bargraves Blvd, from 2025.
2 credit unions have 2 offices in Troy, according to the NCUA. Who can join each one is on the credit unions page.
Of the 2 locations with published hours. 2 open on Saturday. 3 locations have no published hours in these sources.
Credit unions open on Saturday in Troy
Short answer: 2 of the 2 Troy locations with published hours open on Saturday, run by 2 institutions.
- Scott Credit Union: 1 of 1 office (501 Edwardsville Rd: Saturday 9 am to 1 pm)
- 1st Midamerica Credit Union: 1 of 1 office (100 Mcdonald Dr: 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; 3 of the 5 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 Troy, and where the nearest one is if they do not.
Short answer: No branches in Troy: Chase (nearest in Edwardsville, 5 mi), Wells Fargo (nearest in Canton, 126 mi), Bank of America (nearest in O Fallon, 10 mi), PNC Bank (nearest in Edwardsville, 5 mi), U.S. Bank (nearest in Glen Carbon, 4 mi), Truist, Fifth Third Bank (nearest in Mount Vernon, 60 mi), Huntington (nearest in Shorewood, 214 mi), Regions Bank (nearest in Glen Carbon, 4 mi), TD Bank, BMO (nearest in Belleville, 15 mi).
| Bank | In Troy | Nearest branch if none here |
|---|---|---|
| Chase | None | Edwardsville, 5 miles away |
| Wells Fargo | None | Canton, 126 miles away |
| Bank of America | None | O Fallon, 10 miles away |
| PNC Bank | None | Edwardsville, 5 miles away |
| U.S. Bank | None | Glen Carbon, 4 miles away |
| Truist | None | none in Illinois |
| Fifth Third Bank | None | Mount Vernon, 60 miles away |
| Huntington | None | Shorewood, 214 miles away |
| Regions Bank | None | Glen Carbon, 4 miles away |
| TD Bank | None | none in Illinois |
| BMO | None | Belleville, 15 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Troy 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 Troy residents like anyone else.
Banks near Troy
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Maryville (3 miles) and Glen Carbon (5 miles). Edwardsville, 6 miles away, has the most banks nearby: 12.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Maryville, IL | 3 mi | 3 | 3 |
| Banks in Glen Carbon, IL | 5 mi | 6 | 6 |
| Banks in Edwardsville, IL | 6 mi | 12 | 14 |
| Banks in Collinsville, IL | 6 mi | 8 | 12 |
| Banks in Lebanon, IL | 10 mi | 2 | 2 |
| Banks in O Fallon, IL | 10 mi | 10 | 11 |
| Banks in Fairview Heights, IL | 11 mi | 7 | 8 |
| Banks in Shiloh, IL | 11 mi | 2 | 2 |
Bank branch openings and closings in Troy
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show 1 branch opening in Troy between September 5, 2025 and September 5, 2026.
| Date | Change | Bank | Address |
|---|---|---|---|
| Nov 24, 2025 | Opened | Constitution Bank | 304 Bargraves Blvd, 62294 |
Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.
Largest banks in Troy by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Troy offices.
Short answer: Busey Bank is the largest bank with offices in Troy, with $18.15 billion in total assets on June 30, 2026, No. 112 among U.S. banks by total assets. FCB Banks is second with $2.64 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Busey Bank | $18.15 billion | No. 112 | 1 | Champaign, IL |
| FCB Banks | $2.64 billion | No. 482 | 1 | Collinsville, IL |
| Constitution Bank | $683.1 million | No. 1,405 | 1 | Hillsboro, 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 Troy: FAQ
How many banks are in Troy, IL?
Troy has 3 banks with 3 branches and 2 credit unions with 2 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 Troy?
Busey Bank, with 1. FCB Banks has 1 and Constitution Bank has 1.
Is there a Busey Bank in Troy, IL?
Yes. FDIC data lists 1 Busey Bank branch in Troy as of September 5, 2026. The address and directions are under Busey Bank above.
Is there a FCB Banks in Troy, IL?
Yes. FDIC data lists 1 FCB Banks branch in Troy as of September 5, 2026. The address and directions are under FCB Banks above.
Is there a Constitution Bank in Troy, IL?
Yes. FDIC data lists 1 Constitution Bank branch in Troy as of September 5, 2026. The address and directions are under Constitution Bank above.
Is there a Chase in Troy, IL?
No. FDIC data lists no Chase branch in Troy as of September 5, 2026. The nearest is in Edwardsville, about 5 miles away in a straight line.
Which banks in Troy are open on Saturday?
Scott Credit Union and 1st Midamerica Credit Union publish Saturday hours for one or more Troy locations. The Saturday section above lists each one with its hours. 3 of the 5 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Troy?
Constitution Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1945.
Which credit unions can I join in Troy?
Scott Credit Union and 1st Midamerica Credit Union have offices in Troy. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Troy in the past year?
FDIC branch records show 1 branch opening 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 Troy?
Nearby cities with more banks include Maryville, Glen Carbon, Edwardsville. Maryville is 3 miles away with 3 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 2 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 |
| 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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