US Bank Directory
Banks in Carroll, IA
6 FDIC-insured banks operate 6 offices in Carroll, Iowa, 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: Carroll
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 Carroll, according to the FDIC and the NCUA. 7 of them have coordinates on record and are on the map. 2 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 Carroll
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 6 banks share the most locations in Carroll, with 1 each. 6 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.
Availa Bank Bank · 1
Availa Bank has 1 branch in Carroll, 15 across Iowa and 15 nationwide. FDIC records list its main office in Carroll, IA and show it operating since 1870. With $1.73 billion in total assets on June 30, 2026, it ranks No. 662 of 4,232 U.S. banks by total assets. Its main office at 126 W 6th St dates to 1870 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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Main Office main office126 W 6th St, 51401
BMO Bank · 1
BMO has 1 branch in Carroll, 21 across Iowa and 988 nationwide. FDIC records list its main office in Chicago, IL and show it operating since 1947. With $254.97 billion in total assets on June 30, 2026, it ranks No. 16 of 4,232 U.S. banks by total assets. The Carroll at 109 E 7th St dates to 1936 in FDIC branch records. Its published hours do not list Saturday.
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Carroll109 E 7th St, 51401
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: BMO branch locator (All The Places), checked Oct 10, 2026
Commercial Savings Bank Bank · 1
Commercial Savings Bank has 1 branch in Carroll, 2 across Iowa and 2 nationwide. FDIC records list its main office in Carroll, IA and show it operating since 1917. With $348.8 million in total assets on June 30, 2026, it ranks No. 2,271 of 4,232 U.S. banks by total assets. Its main office at 325 W Us Highway 30 dates to 1917 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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Main Office main office325 W Us Highway 30, 51401
Dupaco Community Credit Union Credit union · 1
Dupaco Community Credit Union has 1 office in Carroll, 19 across Iowa. It is based in Dubuque, IA and $3.63 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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Carroll503 W Us Highway 30, 51401
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
Midwest Heritage Bank, FSB Bank · 1
Midwest Heritage Bank, FSB has 1 branch in Carroll, 12 across Iowa and 13 nationwide. FDIC records list its main office in West Des Moines, IA and show it operating since 1930. With $768.3 million in total assets on June 30, 2026, it ranks No. 1,306 of 4,232 U.S. banks by total assets. The Iowa Savings Branch at 510 W Us Highway 30 dates to 2026 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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Iowa Savings Branch510 W Us Highway 30, 51401
United Bank of Iowa Bank · 1
United Bank of Iowa has 1 branch in Carroll, 38 across Iowa and 38 nationwide. FDIC records list its main office in Ida Grove, IA and show it operating since 1932. With $2.50 billion in total assets on June 30, 2026, it ranks No. 503 of 4,232 U.S. banks by total assets. The Carroll Branch at 609 N Clark St dates to 1889 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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Carroll Branch609 N Clark St, 51401
Westside State Bank Bank · 1
Westside State Bank has 1 branch in Carroll, 5 across Iowa and 6 nationwide. FDIC records list its main office in Westside, IA and show it operating since 1907. With $268.7 million in total assets on June 30, 2026, it ranks No. 2,634 of 4,232 U.S. banks by total assets. The Westside State Bank at 1012 N Us Highway 71 dates to 2015 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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Westside State Bank1012 N Us Highway 71, 51401
Join a credit union in Carroll
1 credit union has 1 office here: Dupaco Community 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 Carroll page has every office in the state's directory.
Banking in Carroll: the local picture
Short answer: 6 banks run 6 branches in Carroll 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 6 banks, 2 have their main office in Carroll, 3 elsewhere in Iowa and 1 out of state, according to the FDIC.
The bank with the longest record here is Availa Bank, operating since 1870 according to the FDIC. In FDIC branch records, the longest-running branch is Availa Bank's office at 126 W 6th St, dating to 1870; the newest is Midwest Heritage Bank, FSB's at 510 W Us Highway 30, from 2026.
The only credit union with an office here is Dupaco Community Credit Union.
Of the 2 locations with published hours. 1 opens on Saturday. 5 locations have no published hours in these sources.
Credit unions open on Saturday in Carroll
Short answer: 1 of the 2 Carroll locations with published hours opens on Saturday, run by 1 institution.
- Dupaco Community Credit Union: 1 of 1 office (503 W Us Highway 30: Saturday 8:30 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; 5 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 Carroll, and where the nearest one is if they do not.
Short answer: In Carroll: BMO (1). No branches in Carroll: Chase (nearest in Waukee, 61 mi), Wells Fargo (nearest in Denison, 25 mi), Bank of America (nearest in Urbandale, 65 mi), PNC Bank, U.S. Bank (nearest in Boone, 51 mi), Truist, Fifth Third Bank, Huntington, Regions Bank (nearest in Urbandale, 66 mi), TD Bank.
| Bank | In Carroll | Nearest branch if none here |
|---|---|---|
| BMO | 1 branch | here |
| Chase | None | Waukee, 61 miles away |
| Wells Fargo | None | Denison, 25 miles away |
| Bank of America | None | Urbandale, 65 miles away |
| PNC Bank | None | none in Iowa |
| U.S. Bank | None | Boone, 51 miles away |
| Truist | None | none in Iowa |
| Fifth Third Bank | None | none in Iowa |
| Huntington | None | none in Iowa |
| Regions Bank | None | Urbandale, 66 miles away |
| TD Bank | None | none in Iowa |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Carroll to the nearest branch in Iowa.
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 Carroll residents like anyone else.
Banks near Carroll
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Glidden (7 miles) and Manning (15 miles). Denison, 25 miles away, has the most banks nearby: 4.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Glidden, IA | 7 mi | 2 | 2 |
| Banks in Manning, IA | 15 mi | 3 | 3 |
| Banks in Lake City, IA | 16 mi | 2 | 2 |
| Banks in Coon Rapids, IA | 17 mi | 2 | 2 |
| Banks in Wall Lake, IA | 18 mi | 2 | 2 |
| Banks in Lake View, IA | 19 mi | 3 | 3 |
| Banks in Audubon, IA | 24 mi | 2 | 2 |
| Banks in Denison, IA | 25 mi | 4 | 4 |
Bank branch openings and closings in Carroll
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show 1 branch opening in Carroll between September 5, 2025 and September 5, 2026.
| Date | Change | Bank | Address |
|---|---|---|---|
| Apr 27, 2026 | Opened | Midwest Heritage Bank, FSB | 510 W Us Highway 30, 51401 |
Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.
Banks and credit unions based in Carroll
Short answer: 2 institutions have their main office in Carroll: Availa Bank and Commercial Savings Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Availa Bank | Bank | $1.73 billion | 1 |
| Commercial Savings Bank | Bank | $348.8 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Carroll by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Carroll offices.
Short answer: BMO is the largest bank with offices in Carroll, with $254.97 billion in total assets on June 30, 2026, No. 16 among U.S. banks by total assets. United Bank of Iowa is second with $2.50 billion. 2 of the 6 banks are headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| BMO | $254.97 billion | No. 16 | 1 | Chicago, IL |
| United Bank of Iowa | $2.50 billion | No. 503 | 1 | Ida Grove, IA |
| Availa Bank | $1.73 billion | No. 662 | 1 | Carroll, IA |
| Midwest Heritage Bank, FSB | $768.3 million | No. 1,306 | 1 | West Des Moines, IA |
| Commercial Savings Bank | $348.8 million | No. 2,271 | 1 | Carroll, IA |
| Westside State Bank | $268.7 million | No. 2,634 | 1 | Westside, IA |
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 Carroll: FAQ
How many banks are in Carroll, IA?
Carroll has 6 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 Carroll?
BMO, with 1. United Bank of Iowa has 1 and Availa Bank has 1.
Is there a BMO in Carroll, IA?
Yes. FDIC data lists 1 BMO branch in Carroll as of September 5, 2026. The address and directions are under BMO above.
Is there a United Bank of Iowa in Carroll, IA?
Yes. FDIC data lists 1 United Bank of Iowa branch in Carroll as of September 5, 2026. The address and directions are under United Bank of Iowa above.
Is there a Availa Bank in Carroll, IA?
Yes. FDIC data lists 1 Availa Bank branch in Carroll as of September 5, 2026, the main office at 126 W 6th St. The address and directions are under Availa Bank above.
Is there a Chase in Carroll, IA?
No. FDIC data lists no Chase branch in Carroll as of September 5, 2026. The nearest is in Waukee, about 61 miles away in a straight line.
Which banks in Carroll are open on Saturday?
Dupaco Community Credit Union publishes Saturday hours for one or more Carroll locations. The Saturday section above lists each one with its hours. 5 of the 7 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Carroll?
Availa Bank and Commercial Savings Bank have their main office in Carroll, according to the FDIC.
What is the oldest bank in Carroll?
Availa Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1870.
Which credit unions can I join in Carroll?
Dupaco Community Credit Union has an office in Carroll. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Carroll in the past year?
FDIC branch records show 1 branch opening 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 Carroll?
Nearby cities with more banks include Glidden, Manning, Lake City. Glidden is 7 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 |
| Bank branch hours, phones and branch pages (1 of 6 branches: BMO) | 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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