US Bank Directory
Banks in Wood River, IL
4 FDIC-insured banks operate 4 offices in Wood River, 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.
Bank branch map: Wood River
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: 7 banks and credit unions operate 7 locations in Wood River, according to the FDIC and the NCUA. 6 of them have coordinates on record and are on the map. 3 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
6 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 Wood River
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 4 banks share the most locations in Wood River, with 1 each. 4 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 Wood River, 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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Wood River Office1795 E Edwardsville Rd, 62095
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 Wood River, 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 Wood River Branch at 1153 Vaughn Rd dates to 2008 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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Wood River Branch1153 Vaughn Rd, 62095
First Mid Bank & Trust Bank · 1
First Mid Bank & Trust has 1 branch in Wood River, 52 across Illinois and 87 nationwide. FDIC records list its main office in Mattoon, IL and show it operating since 1865. With $9.14 billion in total assets on June 30, 2026, it ranks No. 178 of 4,232 U.S. banks by total assets. The Wood River Branch at 1046 Madison Ave dates to 2008 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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Wood River Branch1046 Madison Ave, 62095
Midwest Members Credit Union Credit union · 1
Midwest Members Credit Union has 1 office in Wood River, 3 across Illinois. It is based in Wood River, IL and $226.5 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 office101 Wesley Dr., 62095
All hours
Mon to Thu 8 am to 5 pm; Fri 8 am to 6 pm; Sat 8 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Regions Bank Bank · 1
Regions Bank has 1 branch in Wood River, 41 across Illinois and 1,256 nationwide. FDIC records list its main office in Birmingham, AL and show it operating since 1928. With $159.79 billion in total assets on June 30, 2026, it ranks No. 27 of 4,232 U.S. banks by total assets. The Vaughn Hill Branch at 501 Wesley Dr dates to 1990 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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Vaughn Hill Branch501 Wesley Dr, 62095
Scott Credit Union Credit union · 1
Scott Credit Union has 1 office in Wood River, 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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Wood River Branch570 Wesley Dr, 62095
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
Woodforest Bank · 1
Woodforest has 1 branch in Wood River, 38 across Illinois and 743 nationwide. FDIC records list its main office in The Woodlands, TX and show it operating since 1980. With $8.98 billion in total assets on June 30, 2026, it ranks No. 181 of 4,232 U.S. banks by total assets. The 0184 Wood River Illinois Walmart Branch at 610 Wesley Dr dates to 2007 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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0184 Wood River Illinois Walmart Branch610 Wesley Dr, 62095
Join a credit union in Wood River
3 credit unions have 3 offices here: Scott Credit Union, 1st Midamerica Credit Union and Midwest Members 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 Wood River page has every office in the state's directory.
Banking in Wood River: the local picture
Short answer: 4 banks run 4 branches in Wood River 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, 0 have their main office in Wood River, 2 elsewhere in Illinois and 2 out of state, according to the FDIC.
The bank with the longest record here is First Mid Bank & Trust, operating since 1865 according to the FDIC. In FDIC branch records, the longest-running branch is Regions Bank's office at 501 Wesley Dr, dating to 1990; the newest is First Mid Bank & Trust's at 1046 Madison Ave, from 2008.
3 credit unions have 3 offices in Wood River, according to the NCUA. Who can join each one is on the credit unions page.
Of the 3 locations with published hours. 3 open on Saturday. 4 locations have no published hours in these sources.
Credit unions open on Saturday in Wood River
Short answer: 3 of the 3 Wood River locations with published hours open on Saturday, run by 3 institutions.
- Scott Credit Union: 1 of 1 office (570 Wesley Dr: Saturday 9 am to 1 pm)
- 1st Midamerica Credit Union: 1 of 1 office (1795 E Edwardsville Rd: Saturday 9 am to 12 pm)
- Midwest Members Credit Union: 1 of 1 office (101 Wesley Dr.: Saturday 8 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; 4 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 Wood River, and where the nearest one is if they do not.
Short answer: In Wood River: Regions Bank (1). No branches in Wood River: Chase (nearest in Alton, 6 mi), Wells Fargo (nearest in Canton, 117 mi), Bank of America (nearest in O Fallon, 20 mi), PNC Bank (nearest in Edwardsville, 8 mi), U.S. Bank (nearest in Bethalto, 3 mi), Truist, Fifth Third Bank (nearest in Mount Vernon, 73 mi), Huntington (nearest in Shorewood, 210 mi), TD Bank, BMO (nearest in Belleville, 25 mi).
| Bank | In Wood River | Nearest branch if none here |
|---|---|---|
| Regions Bank | 1 branch | here |
| Chase | None | Alton, 6 miles away |
| Wells Fargo | None | Canton, 117 miles away |
| Bank of America | None | O Fallon, 20 miles away |
| PNC Bank | None | Edwardsville, 8 miles away |
| U.S. Bank | None | Bethalto, 3 miles away |
| Truist | None | none in Illinois |
| Fifth Third Bank | None | Mount Vernon, 73 miles away |
| Huntington | None | Shorewood, 210 miles away |
| TD Bank | None | none in Illinois |
| BMO | None | Belleville, 25 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Wood River 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 Wood River residents like anyone else.
Banks near Wood River
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Bethalto (3 miles) and Alton (6 miles). Edwardsville, 8 miles away, has the most banks nearby: 12.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Bethalto, IL | 3 mi | 3 | 3 |
| Banks in Alton, IL | 6 mi | 8 | 8 |
| Banks in Godfrey, IL | 8 mi | 3 | 4 |
| Banks in Edwardsville, IL | 8 mi | 12 | 14 |
| Banks in Glen Carbon, IL | 8 mi | 6 | 6 |
| Banks in Granite City, IL | 10 mi | 5 | 6 |
| Banks in Maryville, IL | 12 mi | 3 | 3 |
| Banks in Troy, IL | 13 mi | 3 | 3 |
Bank branch openings and closings in Wood River
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Wood River 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 Wood River
Short answer: 1 institution has its main office in Wood River: Midwest Members Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Midwest Members Credit Union | Credit union | $226.5 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Wood River by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Wood River offices.
Short answer: Regions Bank is the largest bank with offices in Wood River, with $159.79 billion in total assets on June 30, 2026, No. 27 among U.S. banks by total assets. Busey Bank is second with $18.15 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Regions Bank | $159.79 billion | No. 27 | 1 | Birmingham, AL |
| Busey Bank | $18.15 billion | No. 112 | 1 | Champaign, IL |
| First Mid Bank & Trust | $9.14 billion | No. 178 | 1 | Mattoon, IL |
| Woodforest | $8.98 billion | No. 181 | 1 | The Woodlands, TX |
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 Wood River: FAQ
How many banks are in Wood River, IL?
Wood River has 4 banks with 4 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 Wood River?
Regions Bank, with 1. Busey Bank has 1 and First Mid Bank & Trust has 1.
Is there a Regions Bank in Wood River, IL?
Yes. FDIC data lists 1 Regions Bank branch in Wood River as of September 5, 2026. The address and directions are under Regions Bank above.
Is there a Busey Bank in Wood River, IL?
Yes. FDIC data lists 1 Busey Bank branch in Wood River as of September 5, 2026. The address and directions are under Busey Bank above.
Is there a First Mid Bank & Trust in Wood River, IL?
Yes. FDIC data lists 1 First Mid Bank & Trust branch in Wood River as of September 5, 2026. The address and directions are under First Mid Bank & Trust above.
Is there a Chase in Wood River, IL?
No. FDIC data lists no Chase branch in Wood River as of September 5, 2026. The nearest is in Alton, about 6 miles away in a straight line.
Which banks in Wood River are open on Saturday?
Scott Credit Union, 1st Midamerica Credit Union and Midwest Members Credit Union publish Saturday hours for one or more Wood River locations. The Saturday section above lists each one with its hours. 4 of the 7 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Wood River?
Midwest Members Credit Union has its main office in Wood River, according to the FDIC and the NCUA.
What is the oldest bank in Wood River?
First Mid Bank & Trust has the longest record among banks with a branch here: the FDIC shows it operating since 1865.
Which credit unions can I join in Wood River?
Scott Credit Union, 1st Midamerica Credit Union and Midwest Members Credit Union have offices in Wood River. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Wood River 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 Wood River?
Nearby cities with more banks include Bethalto, Alton, Godfrey. Bethalto 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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