US Bank Directory
Banks in Saint Cloud, FL
9 FDIC-insured banks operate 11 offices in Saint Cloud, Florida, and 1 credit union has 1 office.
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: Saint Cloud
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: 10 banks and credit unions operate 12 locations in Saint Cloud, according to the FDIC and the NCUA. 12 of them have coordinates on record and are on the map. 6 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
12 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 Saint Cloud
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Truist and SouthState have the most locations in Saint Cloud, 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.
SouthState Bank · 2
SouthState has 2 branches in Saint Cloud, 100 across Florida and 374 nationwide. FDIC records list its main office in Winter Haven, FL and show it operating since 1992. With $68.79 billion in total assets on June 30, 2026, it ranks No. 41 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Saint Cloud location is the St. Cloud Branch at 2819 13th St, dating to 1993; the newest, at 4898 E Irlo Bronson Memorial Hwy, to 2007. It does not publish hours in the sources this page uses; check its site before you go.
-
St. Cloud Branch2819 13th St, 34769
-
Ashton Branch4898 E Irlo Bronson Memorial Hwy, 34771
Truist Bank · 2
Truist has 2 branches in Saint Cloud, 441 across Florida and 1,931 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1872. With $548.35 billion in total assets on June 30, 2026, it ranks No. 9 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Saint Cloud location is the Old Canoe Creek Road Branch at 4291 13th St, dating to 1989; the newest, at 4935 E Irlo Bronson Memorial Hwy, to 2006. 1 of its 2 Saint Cloud locations with published hours open on Saturday.
-
Old Canoe Creek Road Branch4291 13th St, 34769
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
-
East St. Cloud Branch4935 E Irlo Bronson Memorial Hwy, 34771
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
Addition Financial Credit Union Credit union · 1
Addition Financial Credit Union has 1 office in Saint Cloud, 33 across Florida. It is based in Lake Mary, FL and $3.81 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.
-
St. Cloud Branch3335 13Th St, 34769
All hours
Mon to Wed 9 am to 5 pm; Thu 10 am to 5 pm; Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Axiom Bank Bank · 1
Axiom Bank has 1 branch in Saint Cloud, 7 across Florida and 7 nationwide. FDIC records list its main office in Maitland, FL and show it operating since 1962. With $732.4 million in total assets on June 30, 2026, it ranks No. 1,344 of 4,232 U.S. banks by total assets. The Saint Cloud Branch at 4409 13th Street, Suite A dates to 2008 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Saint Cloud Branch4409 13th Street, Suite A, 34769
Bank of America Bank · 1
Bank of America has 1 branch in Saint Cloud, 414 across Florida and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. The St. Cloud Branch at 4300 13th St dates to 1988 in FDIC branch records. It opens on Saturday.
-
St. Cloud Branch4300 13th St, 34769
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
BankFlorida Bank · 1
BankFlorida has 1 branch in Saint Cloud, 6 across Florida and 6 nationwide. FDIC records list its main office in Dade City, FL and show it operating since 2007. With $459.5 million in total assets on June 30, 2026, it ranks No. 1,893 of 4,232 U.S. banks by total assets. The St. Cloud Branch at 1150 E Irlo Bronson Memorial Highway dates to 2023 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
St. Cloud Branch1150 E Irlo Bronson Memorial Highway, 34769
Centennial Bank Bank · 1
Centennial Bank has 1 branch in Saint Cloud, 88 across Florida and 243 nationwide. FDIC records list its main office in Conway, AR and show it operating since 1903. With $24.55 billion in total assets on June 30, 2026, it ranks No. 89 of 4,232 U.S. banks by total assets. The Saint Cloud Branch at 3552 13th St dates to 2012 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Saint Cloud Branch3552 13th St, 34769
Chase Bank · 1
Chase has 1 branch in Saint Cloud, 434 across Florida and 5,176 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1824. With $4.09 trillion in total assets on June 30, 2026, it ranks No. 1 of 4,232 U.S. banks by total assets. The Saint Cloud Branch at 4355 13th St dates to 2003 in FDIC branch records. It opens on Saturday.
-
Saint Cloud Branch4355 13th St, 34769
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 2 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
PNC Bank Bank · 1
PNC Bank has 1 branch in Saint Cloud, 201 across Florida 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 St Cloud-13Th Street Branch at 2500 13th St dates to 1981 in FDIC branch records. Its published hours do not list Saturday.
-
St Cloud-13Th Street Branch2500 13th St, 34769
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
Regions Bank Bank · 1
Regions Bank has 1 branch in Saint Cloud, 270 across Florida 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 St Cloud Branch at 4459 13th St dates to 2003 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
St Cloud Branch4459 13th St, 34769
Join a credit union in Saint Cloud
1 credit union has 1 office here: Addition Financial 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 Saint Cloud page has every office in the state's directory.
Banking in Saint Cloud: the local picture
Short answer: 9 banks run 11 branches in Saint Cloud 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 9 banks, 0 have their main office in Saint Cloud, 3 elsewhere in Florida and 6 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 PNC Bank's office at 2500 13th St, dating to 1981; the newest is BankFlorida's at 1150 E Irlo Bronson Memorial Highway, from 2023.
The only credit union with an office here is Addition Financial Credit Union.
Of the 6 locations with published hours. 4 open on Saturday. 6 locations have no published hours in these sources.
Banks by ZIP code in Saint Cloud
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 34769 has the most bank and credit union offices in Saint Cloud (10), followed by 34771 (2). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 34769 | 10 | 10 | Addition Financial Credit Union, Axiom Bank, Bank of America |
| 34771 | 2 | 2 | SouthState, Truist |
Banks and credit unions open on Saturday in Saint Cloud
Short answer: 4 of the 6 Saint Cloud locations with published hours open on Saturday, run by 4 institutions.
- Truist: 1 of 2 branches (4291 13th St: Saturday 9 am to 12 pm)
- Chase: 1 of 1 branch (4355 13th St: Saturday 9 am to 2 pm)
- Bank of America: 1 of 1 branch (4300 13th St: Saturday 9 am to 2 pm)
- Addition Financial Credit Union: 1 of 1 office (3335 13Th St: Saturday 9 am to 1 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 12 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 Saint Cloud, and where the nearest one is if they do not.
Short answer: In Saint Cloud: Chase (1), Bank of America (1), PNC Bank (1), Truist (2), Regions Bank (1). No branches in Saint Cloud: Wells Fargo (nearest in Kissimmee, 7 mi), U.S. Bank (nearest in Sarasota, 98 mi), Fifth Third Bank (nearest in Kissimmee, 5 mi), Huntington (nearest in Orlando, 18 mi), TD Bank (nearest in Kissimmee, 8 mi), BMO (nearest in Brandon, 65 mi).
| Bank | In Saint Cloud | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| Bank of America | 1 branch | here |
| PNC Bank | 1 branch | here |
| Truist | 2 branches | here |
| Regions Bank | 1 branch | here |
| Wells Fargo | None | Kissimmee, 7 miles away |
| U.S. Bank | None | Sarasota, 98 miles away |
| Fifth Third Bank | None | Kissimmee, 5 miles away |
| Huntington | None | Orlando, 18 miles away |
| TD Bank | None | Kissimmee, 8 miles away |
| BMO | None | Brandon, 65 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Saint Cloud to the nearest branch in Florida.
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 Saint Cloud residents like anyone else.
Banks near Saint Cloud
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Kissimmee (8 miles) and Poinciana (12 miles). Orlando, 18 miles away, has the most banks nearby: 34.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Kissimmee, FL | 8 mi | 14 | 32 |
| Banks in Poinciana, FL | 12 mi | 2 | 2 |
| Banks in Celebration, FL | 15 mi | 3 | 4 |
| Banks in Orlando, FL | 18 mi | 34 | 169 |
| Banks in Davenport, FL | 21 mi | 6 | 8 |
| Banks in Windermere, FL | 22 mi | 6 | 7 |
| Banks in Haines City, FL | 23 mi | 5 | 5 |
| Banks in Winter Park, FL | 24 mi | 26 | 42 |
Bank branch openings and closings in Saint Cloud
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Saint Cloud between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Saint Cloud by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Saint Cloud offices.
Short answer: Chase is the largest bank with offices in Saint Cloud, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. Bank of America is second with $2.65 trillion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 1 | Columbus, OH |
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Truist | $548.35 billion | No. 9 | 2 | Charlotte, NC |
| Regions Bank | $159.79 billion | No. 27 | 1 | Birmingham, AL |
| SouthState | $68.79 billion | No. 41 | 2 | Winter Haven, FL |
| Centennial Bank | $24.55 billion | No. 89 | 1 | Conway, AR |
| Axiom Bank | $732.4 million | No. 1,344 | 1 | Maitland, FL |
| BankFlorida | $459.5 million | No. 1,893 | 1 | Dade City, FL |
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 Saint Cloud: FAQ
How many banks are in Saint Cloud, FL?
Saint Cloud has 9 banks with 11 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 Saint Cloud?
Truist, with 2. SouthState has 2 and Chase has 1.
Is there a Truist in Saint Cloud, FL?
Yes. FDIC data lists 2 Truist branches in Saint Cloud as of September 5, 2026. Its branches are listed under Truist above, with the address and directions for each.
Is there a SouthState in Saint Cloud, FL?
Yes. FDIC data lists 2 SouthState branches in Saint Cloud as of September 5, 2026. Its branches are listed under SouthState above, with the address and directions for each.
Is there a Chase in Saint Cloud, FL?
Yes. FDIC data lists 1 Chase branch in Saint Cloud as of September 5, 2026. The address and directions are under Chase above.
Is there a Wells Fargo in Saint Cloud, FL?
No. FDIC data lists no Wells Fargo branch in Saint Cloud as of September 5, 2026. The nearest is in Kissimmee, about 7 miles away in a straight line.
Which banks in Saint Cloud are open on Saturday?
Truist, Chase, Bank of America and Addition Financial Credit Union publish Saturday hours for one or more Saint Cloud locations. The Saturday section above lists each one with its hours. 6 of the 12 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Saint Cloud?
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 Saint Cloud?
Addition Financial Credit Union has an office in Saint Cloud. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Saint Cloud 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 Saint Cloud?
Nearby cities with more banks include Kissimmee, Poinciana, Celebration. Kissimmee is 8 miles away with 14 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 |
| Bank branch hours, phones and branch pages (5 of 11 branches: Bank of America, Chase, PNC Bank, Truist) | 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 |
See your odds before you apply
Banrox shows how likely a card or loan is for your profile, from your own data, without a hard pull. Platform live; card in early access; no card issued.
Check your odds