US Bank Directory
Banks in Vandalia, IL
4 FDIC-insured banks operate 6 offices in Vandalia, Illinois, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Vandalia
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 7 locations in Vandalia, according to the FDIC and the NCUA. 7 of them have coordinates on record and are on the map. 1 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
7 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 Vandalia
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: The FNB Community Bank has the most locations in Vandalia, with 3. The other 3 each 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.
The FNB Community Bank Bank · 3
The FNB Community Bank has 3 branches in Vandalia, 7 across Illinois and 7 nationwide. FDIC records list its main office in Vandalia, IL and show it operating since 1865. With $498.9 million in total assets on June 30, 2026, it ranks No. 1,799 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Vandalia location is its main office at 432 W Gallatin St, dating to 1865; the newest, at 311 Banker Blvd, to 2009. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office432 W Gallatin St, 62471
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Vandalia Branch1420 N 8th St, 62471
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Banker Blvd Branch311 Banker Blvd, 62471
Constitution Bank Bank · 1
Constitution Bank has 1 branch in Vandalia, 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 Vandalia Branch at 520 W Gochenour St dates to 1993 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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Vandalia Branch520 W Gochenour St, 62471
Land of Lincoln Credit Union Credit union · 1
Land of Lincoln Credit Union has 1 office in Vandalia, 15 across Illinois. It is based in Decatur, IL and $517.7 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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Vandalia925 New York Dr Suite 4, 62471
All hours
Mon to Fri 8:30 am to 5 pm; Sat 8 am to 5 pm; Sun not published
Hours: NCUA, March 31, 2026
Midland States Bank Bank · 1
Midland States Bank has 1 branch in Vandalia, 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. The Vandalia Branch at 1611 Veterans Ave dates to 2006 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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Vandalia Branch1611 Veterans Ave, 62471
The Peoples State Bank of Newton, Illinois Bank · 1
The Peoples State Bank of Newton, Illinois has 1 branch in Vandalia, 9 across Illinois and 9 nationwide. FDIC records list its main office in Newton, IL and show it operating since 1875. With $736.7 million in total assets on June 30, 2026, it ranks No. 1,332 of 4,232 U.S. banks by total assets. The Vandalia Facility at 200 Mattes Ave dates to 1871 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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Vandalia Facility200 Mattes Ave, 62471
Join a credit union in Vandalia
1 credit union has 1 office here: Land of Lincoln 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 Vandalia page has every office in the state's directory.
Banking in Vandalia: the local picture
Short answer: 4 banks run 6 branches in Vandalia 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 4 banks, 1 has its main office in Vandalia, 3 elsewhere in Illinois, according to the FDIC.
The bank with the longest record here is The FNB Community Bank, operating since 1865 according to the FDIC. In FDIC branch records, the longest-running branch is The FNB Community Bank's office at 432 W Gallatin St, dating to 1865; the newest is The FNB Community Bank's at 311 Banker Blvd, from 2009.
The only credit union with an office here is Land of Lincoln Credit Union.
Of the 1 location with published hours. 1 opens on Saturday. 6 locations have no published hours in these sources.
Credit unions open on Saturday in Vandalia
Short answer: 1 of the 1 Vandalia location with published hours opens on Saturday, run by 1 institution.
- Land of Lincoln Credit Union: 1 of 1 office (925 New York Dr Suite 4: Saturday 8 am to 5 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; 6 of the 7 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 Vandalia, and where the nearest one is if they do not.
Short answer: No branches in Vandalia: Chase (nearest in Edwardsville, 47 mi), Wells Fargo (nearest in Canton, 120 mi), Bank of America (nearest in O Fallon, 51 mi), PNC Bank (nearest in Edwardsville, 47 mi), U.S. Bank (nearest in Carlyle, 28 mi), Truist, Fifth Third Bank (nearest in Effingham, 32 mi), Huntington (nearest in Shorewood, 184 mi), Regions Bank (nearest in Centralia, 30 mi), TD Bank, BMO (nearest in Belleville, 55 mi).
| Bank | In Vandalia | Nearest branch if none here |
|---|---|---|
| Chase | None | Edwardsville, 47 miles away |
| Wells Fargo | None | Canton, 120 miles away |
| Bank of America | None | O Fallon, 51 miles away |
| PNC Bank | None | Edwardsville, 47 miles away |
| U.S. Bank | None | Carlyle, 28 miles away |
| Truist | None | none in Illinois |
| Fifth Third Bank | None | Effingham, 32 miles away |
| Huntington | None | Shorewood, 184 miles away |
| Regions Bank | None | Centralia, 30 miles away |
| TD Bank | None | none in Illinois |
| BMO | None | Belleville, 55 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Vandalia 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 Vandalia residents like anyone else.
Banks near Vandalia
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Saint Elmo (15 miles) and Greenville (17 miles). Greenville, 17 miles away, has the most banks nearby: 5.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Saint Elmo, IL | 15 mi | 2 | 2 |
| Banks in Greenville, IL | 17 mi | 5 | 6 |
| Banks in Farina, IL | 20 mi | 2 | 2 |
| Banks in Altamont, IL | 20 mi | 2 | 2 |
| Banks in Hillsboro, IL | 24 mi | 3 | 5 |
| Banks in Salem, IL | 25 mi | 5 | 8 |
| Banks in Carlyle, IL | 28 mi | 3 | 4 |
| Banks in Pana, IL | 29 mi | 2 | 3 |
Bank branch openings and closings in Vandalia
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Vandalia 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 Vandalia
Short answer: 1 institution has its main office in Vandalia: The FNB Community Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| The FNB Community Bank | Bank | $498.9 million | 3 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Vandalia by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Vandalia offices.
Short answer: Midland States Bank is the largest bank with offices in Vandalia, with $6.69 billion in total assets on June 30, 2026, No. 233 among U.S. banks by total assets. The Peoples State Bank of Newton, Illinois is second with $736.7 million. 1 of the 4 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Midland States Bank | $6.69 billion | No. 233 | 1 | Effingham, IL |
| The Peoples State Bank of Newton, Illinois | $736.7 million | No. 1,332 | 1 | Newton, IL |
| Constitution Bank | $683.1 million | No. 1,405 | 1 | Hillsboro, IL |
| The FNB Community Bank | $498.9 million | No. 1,799 | 3 | Vandalia, 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 Vandalia: FAQ
How many banks are in Vandalia, IL?
Vandalia has 4 banks with 6 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Vandalia?
The FNB Community Bank, with 3. Midland States Bank has 1 and The Peoples State Bank of Newton, Illinois has 1.
Is there a The FNB Community Bank in Vandalia, IL?
Yes. FDIC data lists 3 The FNB Community Bank branches in Vandalia as of September 5, 2026, the main office at 432 W Gallatin St. Its branches are listed under The FNB Community Bank above, with the address and directions for each.
Is there a Midland States Bank in Vandalia, IL?
Yes. FDIC data lists 1 Midland States Bank branch in Vandalia as of September 5, 2026. The address and directions are under Midland States Bank above.
Is there a The Peoples State Bank of Newton, Illinois in Vandalia, IL?
Yes. FDIC data lists 1 The Peoples State Bank of Newton, Illinois branch in Vandalia as of September 5, 2026. The address and directions are under The Peoples State Bank of Newton, Illinois above.
Is there a Chase in Vandalia, IL?
No. FDIC data lists no Chase branch in Vandalia as of September 5, 2026. The nearest is in Edwardsville, about 47 miles away in a straight line.
Which banks in Vandalia are open on Saturday?
Land of Lincoln Credit Union publishes Saturday hours for one or more Vandalia locations. The Saturday section above lists each one with its hours. 6 of the 7 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Vandalia?
The FNB Community Bank has its main office in Vandalia, according to the FDIC.
What is the oldest bank in Vandalia?
The FNB Community Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1865.
Which credit unions can I join in Vandalia?
Land of Lincoln Credit Union has an office in Vandalia. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Vandalia 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 Vandalia?
Nearby cities with more banks include Saint Elmo, Greenville, Farina. Saint Elmo is 15 miles away with 2 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 1 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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