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The Best Banks in Lilly, Pennsylvania

Our research team has identified the top 3 banks in Lillybased on customer service, rates, digital features, and customer satisfaction.

3
Top Banks
4.2/5
Avg Rating
12
Total Branches
733
Total Reviews

Top Banks in Lilly

Carefully selected based on customer service, rates, and digital features

1

S&T Bank

Bank

★★★★☆
4.2/5

Regional bank with strong presence in Western Pennsylvania offering comprehensive personal and business banking services. Known for local decision-making and community-focused approach with several branches serving the Lilly area.

Branches:5 locations
Reviews:187 customer reviews
615 Cresson Ave, Cresson, PA 16630

Services:

Checking AccountsSavings AccountsPersonal LoansMortgagesBusiness BankingDigital BankingInvestment ServicesCredit CardsAuto Loans
2

AmeriServ Financial

Bank

★★★★☆
4.1/5

Johnstown-based community bank serving the Cambria County region with personalized service and local expertise. Offers competitive rates on deposit accounts and loans with convenient digital banking options for Lilly residents.

Branches:3 locations
Reviews:234 customer reviews
125 Market St, Johnstown, PA 15901

Services:

Checking AccountsSavings AccountsPersonal LoansMortgagesBusiness BankingDigital BankingInvestment ServicesCredit CardsAuto Loans
3

First Commonwealth Bank

Bank

★★★★☆
4.3/5

Regional financial institution with strong Western Pennsylvania roots offering full-service banking. Known for excellent customer service, competitive loan rates, and robust digital banking platform serving the Lilly community.

Branches:4 locations
Reviews:312 customer reviews
121 E High St, Ebensburg, PA 15931

Services:

Checking AccountsSavings AccountsPersonal LoansMortgagesBusiness BankingDigital BankingInvestment ServicesCredit CardsAuto LoansStudent Loans

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Frequently Asked Questions

Common questions about banking in Lilly, Pennsylvania

What are the main banking options available in Lilly, PA, and do they have physical branches in town?

The primary banking institutions serving Lilly, PA, are S&T Bank, AmeriServ Financial, and First Commonwealth Bank. S&T Bank has a strong local presence and operates a branch directly in Lilly. While AmeriServ Financial and First Commonwealth Bank are major regional players in the broader Cambria County area, residents may need to visit nearby towns like Cresson or Ebensburg for a physical branch. It's always best to check each bank's website for the most current branch and ATM locations.

As a resident of a smaller town like Lilly, what local mortgage or home equity loan options are available for purchasing or renovating a property?

Given the older housing stock and renovation needs common in towns like Lilly, local banks are a great resource. S&T Bank, with its branch in Lilly, offers a variety of mortgage products and home equity loans or lines of credit (HELOCs) tailored to the local real estate market. These local lenders often have a better understanding of property values in Cambria County compared to large national banks, which can be advantageous during the appraisal and approval process.

Are there specific banking services or hours tailored for the shift workers from the local manufacturing and industrial sectors in Lilly?

Yes, recognizing the community's industrial workforce, the S&T Bank branch in Lilly offers extended hours on Fridays until 6:00 PM and is open on Saturdays from 9:00 AM to 12:00 PM. This schedule is designed to accommodate residents who work non-traditional shifts at local plants and businesses. Many of these banks also offer robust online and mobile banking services, allowing for 24/7 account management, which is crucial for those with demanding work schedules.

With Lilly being a close-knit community, do local banks offer specialized accounts or services for small businesses and non-profit organizations?

Absolutely. Local institutions like S&T Bank and First Commonwealth Bank have dedicated small business banking divisions that understand the unique challenges and opportunities for entrepreneurs in a town like Lilly. They offer business checking accounts, merchant services, and small business loans. They are also particularly supportive of local non-profits and community groups, often providing specialized non-profit checking accounts and being actively involved in local sponsorship and development programs.

What options are available for cashing checks in Lilly if I don't have a traditional bank account?

For residents who are unbanked or underbanked, the S&T Bank branch in Lilly may offer check-cashing services for a fee, even if you are not an account holder—it's best to call and confirm their current policy. Alternatively, several local grocery stores and retailers may offer this service. A longer-term solution to explore would be the "Second Chance" or "Fresh Start" checking accounts offered by institutions like AmeriServ Financial and First Commonwealth, which are designed for those looking to build or rebuild their banking history.

Finding Banks Open Near Me in Lilly, PA: Your Guide to Local Financial Services

Expert insights about banking in Lilly

If you're a resident of Lilly, Pennsylvania, searching for "banks open near me," you're in luck. Our small town is well-served by several trusted financial institutions that offer the convenience and personal touch you expect from community banking. Whether you need to deposit a check, open a new account, or discuss a loan for a home improvement project, knowing your local options can save you time and help you build a stronger financial foundation right here in Cambria County.

When looking for banks open near you in Lilly, three established names stand out: S&T Bank, AmeriServ Financial, and First Commonwealth Bank. Each brings its own strengths to the community. S&T Bank, with deep roots in the region, operates a branch that is a cornerstone for many local families and businesses. They are known for their personalized service and comprehensive suite of products, from simple checking accounts to mortgage lending. For a Saturday errand run, note that their Lilly branch typically offers Saturday morning hours, a valuable convenience for those with weekday commitments.

Just a short drive away, AmeriServ Financial provides another excellent option. As a community-focused bank, they pride themselves on understanding the specific needs of the Lilly area. Their staff can often be seen supporting local events, reinforcing their commitment to the town's vitality. For your day-to-day banking, AmeriServ offers robust online and mobile banking tools, which means even when you can't visit in person, managing your finances is straightforward. First Commonwealth Bank rounds out the major local choices, offering competitive products and a network of ATMs throughout the region, which is handy if you frequently travel to nearby Johnstown or Ebensburg.

To make the most of searching for "banks open near me," consider a few practical tips. First, always check the specific hours for your intended branch online or with a quick phone call, as hours can vary, especially around holidays. Second, think about what you value most: is it extended hours, the latest digital app, or face-to-face advice from a banker who knows your name? We recommend visiting each institution. Stop into the S&T Bank on Main Street or the AmeriServ branch to get a feel for their customer service. Ask about free checking options, local loan rates, and any special accounts for students or seniors.

Ultimately, the best bank for you in Lilly is the one that aligns with your financial habits and goals. Having these strong community banks means your money stays local, helping to reinvest in the neighborhoods and businesses that make our town special. By choosing a local branch, you're not just finding a place to store your money; you're building a partnership with professionals invested in your success and the prosperity of Lilly, Pennsylvania.

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How We Rate Lilly Banks

Our comprehensive 5-star rating system evaluates banks across multiple criteria to help you find the best financial institution in Lilly.

Customer Service & Support

Service quality, responsiveness, and customer satisfaction ratings.

Fees & Interest Rates

Competitive rates, transparent fees, and overall value proposition.

Digital Banking Features

Mobile app quality, online features, and digital innovation.

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