US Bank Directory
Banks in Chillicothe, OH
10 FDIC-insured banks operate 13 offices in Chillicothe, Ohio, and 4 credit unions have 7 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: Chillicothe
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: 14 banks and credit unions operate 20 locations in Chillicothe, according to the FDIC and the NCUA. 20 of them have coordinates on record and are on the map. 11 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
20 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 Chillicothe
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Huntington, LCNB National Bank and THE VINTON COUNTY NATIONAL BANK have the most locations in Chillicothe, with 2 each. 7 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.
Atomic Credit Union Credit union · 2
Atomic Credit Union has 2 officees in Chillicothe, 18 across Ohio. It is based in Piketon, OH and $847.9 million in assets on March 31, 2026, according to its NCUA call report. All 2 of its Chillicothe locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Atomic Credit Union - Chillicothe Western Ave.1285 Western Ave, 45601
All hours
Mon to Fri 8:30 am to 5 pm; Sat 8:30 am to 12 pm; Sun closed
Hours: NCUA, March 31, 2026
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Atomic Credit Union - Chillicothe Bridge St1326 N Bridge St, 45601
All hours
Mon to Fri 8:30 am to 5 pm; Sat 8:30 am to 12 pm; Sun closed
Hours: NCUA, March 31, 2026
Chivaho Credit Union Credit union · 2
Chivaho Credit Union has 2 officees in Chillicothe, 2 across Ohio. It is based in Chillicothe, OH and $36.9 million in assets on March 31, 2026, according to its NCUA call report. 1 of its 2 Chillicothe locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office190 N Bridge St, 45601
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 12 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
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Chivaho Fcu17273 State Route 104, 45601
All hours
Mon to Fri 8 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Homeland Credit Union Credit union · 2
Homeland Credit Union has 2 officees in Chillicothe, 5 across Ohio. It is based in Chillicothe, OH and $619.8 million in assets on March 31, 2026, according to its NCUA call report. 1 of its 2 Chillicothe locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office310 Caldwell St, 45601
All hours
Mon to Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Shawnee25 Consumer Center Dr, 45601
All hours
Mon to Thu 8:30 am to 5 pm; Fri 8:30 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Huntington Bank · 2
Huntington has 2 branches in Chillicothe, 347 across Ohio and 1,477 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1866. With $283.07 billion in total assets on June 30, 2026, it ranks No. 15 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Chillicothe location is the Central Center Branch at 445 Western Ave, dating to 1954; the newest, at 200 E Main St, to 2002. It opens on Saturday.
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Chillicothe Main Drive-Thru Branch200 E Main St, 45601
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Central Center Branch445 Western Ave, 45601
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: Huntington branch locator (All The Places), checked Oct 10, 2026
LCNB National Bank Bank · 2
LCNB National Bank has 2 branches in Chillicothe, 35 across Ohio and 35 nationwide. FDIC records list its main office in Lebanon, OH and show it operating since 1877. With $2.22 billion in total assets on June 30, 2026, it ranks No. 564 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Chillicothe location is the Chillicothe Branch at 193 E. Main St, dating to 1901; the newest, at 1006 Western Ave, to 1991. It does not publish hours in the sources this page uses; check its site before you go.
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Western Branch1006 Western Ave, 45601
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Chillicothe Branch193 E. Main St, 45601
THE VINTON COUNTY NATIONAL BANK Bank · 2
THE VINTON COUNTY NATIONAL BANK has 2 branches in Chillicothe, 17 across Ohio and 17 nationwide. FDIC records list its main office in Mcarthur, OH and show it operating since 1867. With $1.59 billion in total assets on June 30, 2026, it ranks No. 713 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Chillicothe location is the Western Avenue Branch at 775 Western Ave, dating to 1934; the newest, at 222 E Main St, to 1986. It does not publish hours in the sources this page uses; check its site before you go.
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Main Street Branch222 E Main St, 45601
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Western Avenue Branch775 Western Ave, 45601
Buckeye State Bank Bank · 1
Buckeye State Bank has 1 branch in Chillicothe, 6 across Ohio and 6 nationwide. FDIC records list its main office in Powell, OH and show it operating since 1885. With $569.2 million in total assets on June 30, 2026, it ranks No. 1,628 of 4,232 U.S. banks by total assets. The Chillicothe Branch at 1212 Hospital Rd dates to 2019 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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Chillicothe Branch1212 Hospital Rd, 45601
Fifth Third Bank Bank · 1
Fifth Third Bank has 1 branch in Chillicothe, 246 across Ohio 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 Chillicothe Downtown Branch at 128 W Main St dates to 1887 in FDIC branch records. It opens on Saturday.
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Chillicothe Downtown Branch128 W Main St, 45601
All hours
Mon closed; Tue to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
Kingston National Bank Bank · 1
Kingston National Bank has 1 branch in Chillicothe, 7 across Ohio and 7 nationwide. FDIC records list its main office in Kingston, OH and show it operating since 1909. With $586.3 million in total assets on June 30, 2026, it ranks No. 1,591 of 4,232 U.S. banks by total assets. The Kingston National Bank Branch at 790 Western Ave dates to 2013 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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Kingston National Bank Branch790 Western Ave, 45601
PNC Bank Bank · 1
PNC Bank has 1 branch in Chillicothe, 219 across Ohio and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. The Zane Plaza Branch at 1080 N Bridge St dates to 1964 in FDIC branch records. It opens on Saturday.
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Zane Plaza Branch1080 N Bridge St, 45601
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
Union Savings Bank Bank · 1
Union Savings Bank has 1 branch in Chillicothe, 32 across Ohio and 39 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1904. With $4.02 billion in total assets on June 30, 2026, it ranks No. 335 of 4,232 U.S. banks by total assets. The Chillicothe Brance Branch at 1240 N Bridge Street dates to 2023 in FDIC branch records. It opens on Saturday.
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Chillicothe Brance Branch1240 N Bridge Street, 45601
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: Union Savings Bank branch locator (All The Places), checked Oct 10, 2026
Universal 1 Credit Union Credit union · 1
Universal 1 Credit Union has 1 office in Chillicothe, 9 across Ohio. It is based in Dayton, OH and $429.1 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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Chillicothe1080 N Bridge St, 45601
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
WesBanco Bank · 1
WesBanco has 1 branch in Chillicothe, 97 across Ohio and 218 nationwide. FDIC records list its main office in Wheeling, WV and show it operating since 1870. With $27.75 billion in total assets on June 30, 2026, it ranks No. 78 of 4,232 U.S. banks by total assets. The Chillicothe Branch at 49 E Water St dates to 1988 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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Chillicothe Branch49 E Water St, 45601
Woodforest Bank · 1
Woodforest has 1 branch in Chillicothe, 72 across Ohio 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 1440 Chillicothe Wal-Mart Branch at 85 River Trce 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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1440 Chillicothe Wal-Mart Branch85 River Trce, 45601
Join a credit union in Chillicothe
4 credit unions have 7 offices here: Atomic Credit Union, Homeland Credit Union, Chivaho Credit Union and Universal 1 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 Chillicothe page has every office in the state's directory.
Banking in Chillicothe: the local picture
Short answer: 10 banks run 13 branches in Chillicothe 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 10 banks, 0 have their main office in Chillicothe, 7 elsewhere in Ohio and 3 out of state, according to the FDIC.
The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is Fifth Third Bank's office at 128 W Main St, dating to 1887; the newest is Union Savings Bank's at 1240 N Bridge Street, from 2023.
4 credit unions have 7 offices in Chillicothe, according to the NCUA. Who can join each one is on the credit unions page.
Of the 11 locations with published hours. 9 open on Saturday. 9 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Chillicothe
Short answer: 9 of the 11 Chillicothe locations with published hours open on Saturday, run by 8 institutions.
- Huntington: 1 of 2 branches (445 Western Ave: Saturday 9 am to 12 pm)
- PNC Bank: 1 of 1 branch (1080 N Bridge St: Saturday 9 am to 1 pm)
- Fifth Third Bank: 1 of 1 branch (128 W Main St: Saturday 9 am to 12 pm)
- Union Savings Bank: 1 of 1 branch (1240 N Bridge Street: Saturday 9 am to 1 pm)
- Atomic Credit Union: 2 of 2 offices (1285 Western Ave: Saturday 8:30 am to 12 pm, and 1 more)
- Homeland Credit Union: 1 of 2 offices (25 Consumer Center Dr: Saturday 9 am to 1 pm)
- Chivaho Credit Union: 1 of 2 offices (190 N Bridge St: Saturday 12 am to 12 pm)
- Universal 1 Credit Union: 1 of 1 office (1080 N Bridge St: 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; 9 of the 20 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 Chillicothe, and where the nearest one is if they do not.
Short answer: In Chillicothe: PNC Bank (1), Fifth Third Bank (1), Huntington (2). No branches in Chillicothe: Chase (nearest in Circleville, 18 mi), Wells Fargo, Bank of America (nearest in Canal Winchester, 36 mi), U.S. Bank (nearest in Circleville, 18 mi), Truist (nearest in Blue Ash, 75 mi), Regions Bank, TD Bank, BMO.
| Bank | In Chillicothe | Nearest branch if none here |
|---|---|---|
| PNC Bank | 1 branch | here |
| Fifth Third Bank | 1 branch | here |
| Huntington | 2 branches | here |
| Chase | None | Circleville, 18 miles away |
| Wells Fargo | None | none in Ohio |
| Bank of America | None | Canal Winchester, 36 miles away |
| U.S. Bank | None | Circleville, 18 miles away |
| Truist | None | Blue Ash, 75 miles away |
| Regions Bank | None | none in Ohio |
| TD Bank | None | none in Ohio |
| BMO | None | none in Ohio |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Chillicothe to the nearest branch in Ohio.
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 Chillicothe residents like anyone else.
Banks near Chillicothe
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Waverly (15 miles) and Circleville (18 miles). Circleville, 18 miles away, has the most banks nearby: 9.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Waverly, OH | 15 mi | 3 | 3 |
| Banks in Circleville, OH | 18 mi | 9 | 10 |
| Banks in Greenfield, OH | 21 mi | 3 | 4 |
| Banks in Ashville, OH | 26 mi | 2 | 2 |
| Banks in Washington Court House, OH | 28 mi | 8 | 9 |
| Banks in Jackson, OH | 28 mi | 5 | 8 |
| Banks in Wellston, OH | 29 mi | 2 | 2 |
| Banks in Mount Sterling, OH | 30 mi | 2 | 2 |
Bank branch openings and closings in Chillicothe
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Chillicothe 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 Chillicothe
Short answer: 2 institutions have their main office in Chillicothe: Homeland Credit Union and Chivaho Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Homeland Credit Union | Credit union | $619.8 million | 2 |
| Chivaho Credit Union | Credit union | $36.9 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Chillicothe by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Chillicothe offices.
Short answer: PNC Bank is the largest bank with offices in Chillicothe, with $609.77 billion in total assets on June 30, 2026, No. 8 among U.S. banks by total assets. Fifth Third Bank is second with $299.18 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Fifth Third Bank | $299.18 billion | No. 14 | 1 | Cincinnati, OH |
| Huntington | $283.07 billion | No. 15 | 2 | Columbus, OH |
| WesBanco | $27.75 billion | No. 78 | 1 | Wheeling, WV |
| Woodforest | $8.98 billion | No. 181 | 1 | The Woodlands, TX |
| Union Savings Bank | $4.02 billion | No. 335 | 1 | Cincinnati, OH |
| LCNB National Bank | $2.22 billion | No. 564 | 2 | Lebanon, OH |
| THE VINTON COUNTY NATIONAL BANK | $1.59 billion | No. 713 | 2 | Mcarthur, OH |
| Kingston National Bank | $586.3 million | No. 1,591 | 1 | Kingston, OH |
| Buckeye State Bank | $569.2 million | No. 1,628 | 1 | Powell, OH |
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 Chillicothe: FAQ
How many banks are in Chillicothe, OH?
Chillicothe has 10 banks with 13 branches and 4 credit unions with 7 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 Chillicothe?
Huntington, with 2. LCNB National Bank has 2 and THE VINTON COUNTY NATIONAL BANK has 2.
Is there a Huntington in Chillicothe, OH?
Yes. FDIC data lists 2 Huntington branches in Chillicothe as of September 5, 2026. Its branches are listed under Huntington above, with the address and directions for each.
Is there a LCNB National Bank in Chillicothe, OH?
Yes. FDIC data lists 2 LCNB National Bank branches in Chillicothe as of September 5, 2026. Its branches are listed under LCNB National Bank above, with the address and directions for each.
Is there a THE VINTON COUNTY NATIONAL BANK in Chillicothe, OH?
Yes. FDIC data lists 2 THE VINTON COUNTY NATIONAL BANK branches in Chillicothe as of September 5, 2026. Its branches are listed under THE VINTON COUNTY NATIONAL BANK above, with the address and directions for each.
Is there a Chase in Chillicothe, OH?
No. FDIC data lists no Chase branch in Chillicothe as of September 5, 2026. The nearest is in Circleville, about 18 miles away in a straight line.
Which banks in Chillicothe are open on Saturday?
Huntington, PNC Bank, Fifth Third Bank and Union Savings Bank and 4 more publish Saturday hours for one or more Chillicothe locations. The Saturday section above lists each one with its hours. 9 of the 20 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Chillicothe?
Homeland Credit Union and Chivaho Credit Union have their main office in Chillicothe, according to the FDIC and the NCUA.
What is the oldest bank in Chillicothe?
PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.
Which credit unions can I join in Chillicothe?
Atomic Credit Union, Homeland Credit Union, Chivaho Credit Union and Universal 1 Credit Union have offices in Chillicothe. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Chillicothe 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 Chillicothe?
Nearby cities with more banks include Waverly, Circleville, Greenfield. Waverly is 15 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 7 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 (4 of 13 branches: Fifth Third Bank, Huntington, PNC Bank, Union Savings 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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