US Bank Directory
Banks in Harlan, IA
4 FDIC-insured banks operate 6 offices in Harlan, 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.
Bank branch map: Harlan
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 7 locations in Harlan, according to the FDIC and the NCUA. 7 of them have coordinates on record and are on the map. 1 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 Harlan
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: The Shelby County State Bank has the most locations in Harlan, with 3. The other 3 each 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.
The Shelby County State Bank Bank · 3
The Shelby County State Bank has 3 branches in Harlan, 11 across Iowa and 11 nationwide. FDIC records list its main office in Harlan, IA and show it operating since 1909. With $523.6 million in total assets on June 30, 2026, it ranks No. 1,741 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Harlan location is its main office at 508 Court St, dating to 1909; the newest, at 2104 12th St, to 2006. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office508 Court St, 51537
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Harlan Branch2010 23rd St, 51537
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Elm Crest Retirement Center2104 12th St, 51537
Community 1st Credit Union Credit union · 1
Community 1st Credit Union has 1 office in Harlan, 24 across Iowa. It is based in Ottumwa, IA and $1.10 billion 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.
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Harlan1414 Chatburn Ave, 51537
All hours
Mon to Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Farmers Trust & Savings Bank Bank · 1
Farmers Trust & Savings Bank has 1 branch in Harlan, 3 across Iowa and 3 nationwide. FDIC records list its main office in Earling, IA and show it operating since 1892. With $148.1 million in total assets on June 30, 2026, it ranks No. 3,340 of 4,232 U.S. banks by total assets. The Harlan Branch at 1901 Chatburn Ave dates to 2005 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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Harlan Branch1901 Chatburn Ave, 51537
Midstates Bank Bank · 1
Midstates Bank has 1 branch in Harlan, 10 across Iowa and 10 nationwide. FDIC records list its main office in Council Bluffs, IA and show it operating since 1913. With $653.9 million in total assets on June 30, 2026, it ranks No. 1,455 of 4,232 U.S. banks by total assets. The Main Office Branch at 812 Durant St dates to 2001 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 Branch812 Durant St, 51537
United Bank of Iowa Bank · 1
United Bank of Iowa has 1 branch in Harlan, 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 Harlan Branch at 1802 23rd St dates to 2004 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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Harlan Branch1802 23rd St, 51537
Join a credit union in Harlan
1 credit union has 1 office here: Community 1st 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 Harlan page has every office in the state's directory.
Banking in Harlan: the local picture
Short answer: 4 banks run 6 branches in Harlan 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 Harlan, 3 elsewhere in Iowa, according to the FDIC.
The bank with the longest record here is Farmers Trust & Savings Bank, operating since 1892 according to the FDIC. In FDIC branch records, the longest-running branch is The Shelby County State Bank's office at 508 Court St, dating to 1909; the newest is The Shelby County State Bank's at 2104 12th St, from 2006.
The only credit union with an office here is Community 1st Credit Union.
Of the 1 location with published hours. None open on Saturday. 6 locations have no published hours in these sources.
Saturday hours in Harlan
Short answer: None of the 1 Harlan location with published hours lists Saturday hours. 6 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; 6 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 Harlan, and where the nearest one is if they do not.
Short answer: No branches in Harlan: Chase (nearest in Council Bluff, 38 mi), Wells Fargo (nearest in Atlantic, 24 mi), Bank of America (nearest in West Des Moines, 79 mi), PNC Bank, U.S. Bank (nearest in Council Bluffs, 38 mi), Truist, Fifth Third Bank, Huntington, Regions Bank (nearest in Urbandale, 82 mi), TD Bank, BMO (nearest in Woodbine, 20 mi).
| Bank | In Harlan | Nearest branch if none here |
|---|---|---|
| Chase | None | Council Bluff, 38 miles away |
| Wells Fargo | None | Atlantic, 24 miles away |
| Bank of America | None | West Des Moines, 79 miles away |
| PNC Bank | None | none in Iowa |
| U.S. Bank | None | Council Bluffs, 38 miles away |
| Truist | None | none in Iowa |
| Fifth Third Bank | None | none in Iowa |
| Huntington | None | none in Iowa |
| Regions Bank | None | Urbandale, 82 miles away |
| TD Bank | None | none in Iowa |
| BMO | None | Woodbine, 20 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Harlan 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 Harlan residents like anyone else.
Banks near Harlan
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Avoca (12 miles) and Dunlap (20 miles). Atlantic, 24 miles away, has the most banks nearby: 5.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Avoca, IA | 12 mi | 2 | 2 |
| Banks in Dunlap, IA | 20 mi | 2 | 2 |
| Banks in Woodbine, IA | 20 mi | 2 | 2 |
| Banks in Audubon, IA | 21 mi | 2 | 2 |
| Banks in Manning, IA | 22 mi | 3 | 3 |
| Banks in Logan, IA | 24 mi | 2 | 2 |
| Banks in Atlantic, IA | 24 mi | 5 | 6 |
| Banks in Oakland, IA | 24 mi | 2 | 2 |
Bank branch openings and closings in Harlan
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Harlan 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 Harlan
Short answer: 1 institution has its main office in Harlan: The Shelby County State Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| The Shelby County State Bank | Bank | $523.6 million | 3 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Harlan by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Harlan offices.
Short answer: United Bank of Iowa is the largest bank with offices in Harlan, with $2.50 billion in total assets on June 30, 2026, No. 503 among U.S. banks by total assets. Midstates Bank is second with $653.9 million. 1 of the 4 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| United Bank of Iowa | $2.50 billion | No. 503 | 1 | Ida Grove, IA |
| Midstates Bank | $653.9 million | No. 1,455 | 1 | Council Bluffs, IA |
| The Shelby County State Bank | $523.6 million | No. 1,741 | 3 | Harlan, IA |
| Farmers Trust & Savings Bank | $148.1 million | No. 3,340 | 1 | Earling, 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 Harlan: FAQ
How many banks are in Harlan, IA?
Harlan has 4 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 Harlan?
The Shelby County State Bank, with 3. United Bank of Iowa has 1 and Midstates Bank has 1.
Is there a The Shelby County State Bank in Harlan, IA?
Yes. FDIC data lists 3 The Shelby County State Bank branches in Harlan as of September 5, 2026, the main office at 508 Court St. Its branches are listed under The Shelby County State Bank above, with the address and directions for each.
Is there a United Bank of Iowa in Harlan, IA?
Yes. FDIC data lists 1 United Bank of Iowa branch in Harlan as of September 5, 2026. The address and directions are under United Bank of Iowa above.
Is there a Midstates Bank in Harlan, IA?
Yes. FDIC data lists 1 Midstates Bank branch in Harlan as of September 5, 2026. The address and directions are under Midstates Bank above.
Is there a Chase in Harlan, IA?
No. FDIC data lists no Chase branch in Harlan as of September 5, 2026. The nearest is in Council Bluff, about 38 miles away in a straight line.
Which banks in Harlan are open on Saturday?
None of the 1 location with published hours lists Saturday hours. 6 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Harlan?
The Shelby County State Bank has its main office in Harlan, according to the FDIC.
What is the oldest bank in Harlan?
Farmers Trust & Savings Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1892.
Which credit unions can I join in Harlan?
Community 1st Credit Union has an office in Harlan. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Harlan 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 Harlan?
Nearby cities with more banks include Avoca, Dunlap, Woodbine. Avoca is 12 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 |
| 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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