Banks in Charles City, IA

Bank branch map: Charles City

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: 5 banks and credit unions operate 5 locations in Charles City, according to the FDIC and the NCUA. 5 of them have coordinates on record and are on the map. 1 publish opening hours.

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 Charles City

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 Charles City, 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.

CUSB Bank 1 branch · main office Cresco, IA Bank · 1

CUSB Bank has 1 branch in Charles City, 7 across Iowa and 7 nationwide. FDIC records list its main office in Cresco, IA and show it operating since 1888. With $812.1 million in total assets on June 30, 2026, it ranks No. 1,246 of 4,232 U.S. banks by total assets. The Charles City Branch at 1407 S Grand Ave dates to 2000 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Charles City Branch

  1407 S Grand Ave, 50616

  Hours: see the bank's site
  DirectionsWebsite

CUSB Bank: profile, branches and contacts

Family Community Credit Union 1 office · main office Charles City, IA Credit union · 1

Family Community Credit Union has 1 office in Charles City, 1 across Iowa. It is based in Charles City, IA and $26.4 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.

Who can join: see the credit union's site.

• Main Office main office

  1211 N Grand Ave, 50616

  (641) 228-6612Today 7 am to 5 pm

  All hours

  Mon to Fri 7 am to 5 pm; Sat to Sun not published

  Hours: NCUA, March 31, 2026

  Directions

Family Community Credit Union: profile, branches and contacts

Fidelity Bank & Trust 1 branch · main office Dubuque, IA Bank · 1

Fidelity Bank & Trust has 1 branch in Charles City, 33 across Iowa and 36 nationwide. FDIC records list its main office in Dubuque, IA and show it operating since 1910. With $2.60 billion in total assets on June 30, 2026, it ranks No. 486 of 4,232 U.S. banks by total assets. The Charles City Branch at 610 Gilbert St dates to 2007 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Charles City Branch

  610 Gilbert St, 50616

  Hours: see the bank's site
  DirectionsWebsite

Fidelity Bank & Trust: profile, branches and contacts

First Citizens Bank 1 branch · main office Mason City, IA Bank · 1

First Citizens Bank has 1 branch in Charles City, 6 across Iowa and 7 nationwide. FDIC records list its main office in Mason City, IA and show it operating since 1892. With $1.80 billion in total assets on June 30, 2026, it ranks No. 649 of 4,232 U.S. banks by total assets. The 300 Main Branch at 300 N Main St dates to 1994 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• 300 Main Branch

  300 N Main St, 50616

  Hours: see the bank's site
  DirectionsWebsite

First Citizens Bank: profile, branches and contacts

First Security Bank 1 branch · main office Charles City, IA Bank · 1

First Security Bank has 1 branch in Charles City, 8 across Iowa and 8 nationwide. FDIC records list its main office in Charles City, IA and show it operating since 1903. With $538.2 million in total assets on June 30, 2026, it ranks No. 1,706 of 4,232 U.S. banks by total assets. Its main office at 809 Clark St dates to 1903 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Main Office main office

  809 Clark St, 50616

  Hours: see the bank's site
  DirectionsWebsite

First Security Bank: profile, branches and contacts

Join a credit union in Charles City

1 credit union has 1 office here: Family 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 Charles City page has every office in the state's directory.

Banking in Charles City: the local picture

Short answer: 4 banks run 4 branches in Charles City 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, 1 has its main office in Charles City, 3 elsewhere in Iowa, according to the FDIC.

The bank with the longest record here is CUSB Bank, operating since 1888 according to the FDIC. In FDIC branch records, the longest-running branch is First Security Bank's office at 809 Clark St, dating to 1903; the newest is Fidelity Bank & Trust's at 610 Gilbert St, from 2007.

The only credit union with an office here is Family Community Credit Union.

Of the 1 location with published hours. None open on Saturday. 4 locations have no published hours in these sources.

Saturday hours in Charles City

Short answer: None of the 1 Charles City location with published hours lists Saturday hours. 4 locations do not publish hours in these sources; call ahead.

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 5 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 Charles City, and where the nearest one is if they do not.

Short answer: No branches in Charles City: Chase (nearest in Ames, 86 mi), Wells Fargo (nearest in Mason City, 27 mi), Bank of America (nearest in Urbandale, 112 mi), PNC Bank, U.S. Bank (nearest in Mason City, 27 mi), Truist, Fifth Third Bank, Huntington, Regions Bank (nearest in Cedar Falls, 41 mi), TD Bank, BMO (nearest in Decorah, 48 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Charles City 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%.

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 Charles City residents like anyone else.

Banks near Charles City

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Nashua (10 miles) and Osage (17 miles). Mason City, 28 miles away, has the most banks nearby: 6.

Bank branch openings and closings in Charles City

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Charles City 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 Charles City

Short answer: 2 institutions have their main office in Charles City: First Security Bank and Family Community Credit Union.

Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.

Largest banks in Charles City by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Charles City offices.

Short answer: Fidelity Bank & Trust is the largest bank with offices in Charles City, with $2.60 billion in total assets on June 30, 2026, No. 486 among U.S. banks by total assets. First Citizens Bank is second with $1.80 billion. 1 of the 4 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

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 Charles City: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.