US Bank Directory
Banks in Mason City, IA
6 FDIC-insured banks operate 10 offices in Mason City, Iowa, and 5 credit unions have 7 offices.
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: Mason 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: 11 banks and credit unions operate 17 locations in Mason City, according to the FDIC and the NCUA. 17 of them have coordinates on record and are on the map. 9 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
17 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 Mason 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 Mason City, with 2 each. 2 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.
Cent Credit Union Credit union · 2
Cent Credit Union has 2 officees in Mason City, 4 across Iowa. It is based in Mason City, IA and $165.9 million in assets on March 31, 2026, according to its NCUA call report. 1 of its 2 Mason City locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office25 W State St, 50401
All hours
Mon to Thu 7:30 am to 5 pm; Fri 7:30 am to 5:30 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
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Cent Credit Union Branch3124 4Th St Sw, 50401
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Clear Lake Bank Bank · 2
Clear Lake Bank has 2 branches in Mason City, 5 across Iowa and 5 nationwide. FDIC records list its main office in Clear Lake, IA and show it operating since 1934. With $649.3 million in total assets on June 30, 2026, it ranks No. 1,466 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Mason City location is the 100 East State Street Branch at 100 E State St, dating to 1957; the newest, at 425 Tiffany Dr, to 2007. It does not publish hours in the sources this page uses; check its site before you go.
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100 East State Street Branch100 E State St, 50401
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Mason City Branch425 Tiffany Dr, 50401
Farmers State Bank Bank · 2
Farmers State Bank has 2 branches in Mason City, 8 across Iowa and 8 nationwide. FDIC records list its main office in Northwood, IA and show it operating since 1921. With $221.4 million in total assets on June 30, 2026, it ranks No. 2,872 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Mason City location is the Mason City Office Branch at 517 S Federal Ave, dating to 2003; the newest, at 2501 4th St Sw, to 2010. It does not publish hours in the sources this page uses; check its site before you go.
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Mason City West Branch2501 4th St Sw, 50401
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Mason City Office Branch517 S Federal Ave, 50401
First Citizens Bank Bank · 2
First Citizens Bank has 2 branches in Mason 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. In FDIC branch records, its longest-running Mason City location is its main office at 2601 4th St Sw, dating to 1892; the newest, at 33 E State St, to 1996. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office2601 4th St Sw, 50401
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Downtown Branch33 E State St, 50401
North Iowa Community Credit Union Credit union · 2
North Iowa Community Credit Union has 2 officees in Mason City, 2 across Iowa. It is based in Mason City, IA and $128.5 million in assets on March 31, 2026, according to its NCUA call report. None of its 2 Mason City locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Main Office main office640 S Federal Ave, 50401
All hours
Mon to Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Niccu West4063 4Th St Sw Ste A, 50401
All hours
Mon to Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
NSB Bank Bank · 2
NSB Bank has 2 branches in Mason City, 6 across Iowa and 6 nationwide. FDIC records list its main office in Mason City, IA and show it operating since 1933. With $460.8 million in total assets on June 30, 2026, it ranks No. 1,889 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Mason City location is its main office at 2650 4th St Sw, dating to 1933; the newest, at 451 S Illinois Ave, to 1936. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office2650 4th St Sw, 50401
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Regency Branch451 S Illinois Ave, 50401
Ace Credit Union Credit union · 1
Ace Credit Union has 1 office in Mason City, 1 across Iowa. It is based in Mason City, IA and $7.6 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.
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Main Office main office1028 14Th St Se, 50401
All hours
Mon to Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Gas & Electric Employees Credit Union Credit union · 1
Gas & Electric Employees Credit Union has 1 office in Mason City, 1 across Iowa. It is based in Mason City, IA and $4.4 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.
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Main Office main office1602 S Monroe Ave, 50401
All hours
Mon to Fri 10:30 am to 1 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Iowa Heartland Credit Union Credit union · 1
Iowa Heartland Credit Union has 1 office in Mason City, 1 across Iowa. It is based in Mason City, IA and $31.2 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.
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Main Office main office1602 S Monroe Ave, 50401
All hours
Mon 8 am to 6 pm; Tue 8 am to 5 pm; Wed 8 am to 6 pm; Thu 9 am to 5 pm; Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Mason City, 55 across Iowa and 2,097 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1863. With $705.55 billion in total assets on June 30, 2026, it ranks No. 6 of 4,232 U.S. banks by total assets. The Mason City Branch at 124 N Washington Ave dates to 1935 in FDIC branch records. Its published hours do not list Saturday.
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Mason City Branch124 N Washington Ave, 50401
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Mason City, 39 across Iowa and 4,161 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1870. With $1.91 trillion in total assets on June 30, 2026, it ranks No. 4 of 4,232 U.S. banks by total assets. The Mason City Branch at 10 N Washington Ave dates to 1869 in FDIC branch records. It opens on Saturday.
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Mason City Branch10 N Washington Ave, 50401
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Mason City
5 credit unions have 7 offices here: Cent Credit Union, North Iowa Community Credit Union, Iowa Heartland Credit Union, Ace Credit Union and Gas & Electric Employees 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 Mason City page has every office in the state's directory.
Banking in Mason City: the local picture
Short answer: 6 banks run 10 branches in Mason 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 6 banks, 2 have their main office in Mason City, 2 elsewhere in Iowa and 2 out of state, according to the FDIC.
The bank with the longest record here is U.S. Bank, operating since 1863 according to the FDIC. In FDIC branch records, the longest-running branch is Wells Fargo's office at 10 N Washington Ave, dating to 1869; the newest is Farmers State Bank's at 2501 4th St Sw, from 2010.
5 credit unions have 7 offices in Mason City, according to the NCUA. Who can join each one is on the credit unions page.
Of the 9 locations with published hours. 2 open on Saturday. 8 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Mason City
Short answer: 2 of the 9 Mason City locations with published hours open on Saturday, run by 2 institutions.
- Wells Fargo: 1 of 1 branch (10 N Washington Ave: Saturday 9 am to 2 pm)
- Cent Credit Union: 1 of 2 offices (25 W State St: Saturday 9 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; 8 of the 17 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 Mason City, and where the nearest one is if they do not.
Short answer: In Mason City: Wells Fargo (1), U.S. Bank (1). No branches in Mason City: Chase (nearest in Ames, 81 mi), Bank of America (nearest in Urbandale, 107 mi), PNC Bank, Truist, Fifth Third Bank, Huntington, Regions Bank (nearest in Cedar Falls, 60 mi), TD Bank, BMO (nearest in Decorah, 72 mi).
| Bank | In Mason City | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| U.S. Bank | 1 branch | here |
| Chase | None | Ames, 81 miles away |
| Bank of America | None | Urbandale, 107 miles away |
| PNC Bank | None | none in Iowa |
| Truist | None | none in Iowa |
| Fifth Third Bank | None | none in Iowa |
| Huntington | None | none in Iowa |
| Regions Bank | None | Cedar Falls, 60 miles away |
| TD Bank | None | none in Iowa |
| BMO | None | Decorah, 72 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Mason 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%.
| 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 Mason City residents like anyone else.
Banks near Mason 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 Clear Lake (8 miles) and Garner (20 miles). Clear Lake, 8 miles away, has the most banks nearby: 4.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Clear Lake, IA | 8 mi | 4 | 5 |
| Banks in Garner, IA | 20 mi | 2 | 2 |
| Banks in Northwood, IA | 20 mi | 2 | 2 |
| Banks in Saint Ansgar, IA | 22 mi | 2 | 2 |
| Banks in Osage, IA | 22 mi | 3 | 3 |
| Banks in Forest City, IA | 23 mi | 2 | 2 |
| Banks in Lake Mills, IA | 25 mi | 2 | 2 |
| Banks in Charles City, IA | 28 mi | 4 | 4 |
Bank branch openings and closings in Mason City
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Mason 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 Mason City
Short answer: 7 institutions have their main office in Mason City: First Citizens Bank, NSB Bank, Cent Credit Union and North Iowa Community Credit Union and 3 more.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| First Citizens Bank | Bank | $1.80 billion | 2 |
| NSB Bank | Bank | $460.8 million | 2 |
| Cent Credit Union | Credit union | $165.9 million | 2 |
| North Iowa Community Credit Union | Credit union | $128.5 million | 2 |
| Iowa Heartland Credit Union | Credit union | $31.2 million | 1 |
| Ace Credit Union | Credit union | $7.6 million | 1 |
| Gas & Electric Employees Credit Union | Credit union | $4.4 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Mason City by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Mason City offices.
Short answer: Wells Fargo is the largest bank with offices in Mason City, with $1.91 trillion in total assets on June 30, 2026, No. 4 among U.S. banks by total assets. U.S. Bank is second with $705.55 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 |
|---|---|---|---|---|
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
| First Citizens Bank | $1.80 billion | No. 649 | 2 | Mason City, IA |
| Clear Lake Bank | $649.3 million | No. 1,466 | 2 | Clear Lake, IA |
| NSB Bank | $460.8 million | No. 1,889 | 2 | Mason City, IA |
| Farmers State Bank | $221.4 million | No. 2,872 | 2 | Northwood, 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 Mason City: FAQ
How many banks are in Mason City, IA?
Mason City has 6 banks with 10 branches and 5 credit unions with 7 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Mason City?
First Citizens Bank, with 2. Clear Lake Bank has 2 and NSB Bank has 2.
Is there a First Citizens Bank in Mason City, IA?
Yes. FDIC data lists 2 First Citizens Bank branches in Mason City as of September 5, 2026, the main office at 2601 4th St Sw. Its branches are listed under First Citizens Bank above, with the address and directions for each.
Is there a Clear Lake Bank in Mason City, IA?
Yes. FDIC data lists 2 Clear Lake Bank branches in Mason City as of September 5, 2026. Its branches are listed under Clear Lake Bank above, with the address and directions for each.
Is there a NSB Bank in Mason City, IA?
Yes. FDIC data lists 2 NSB Bank branches in Mason City as of September 5, 2026, the main office at 2650 4th St Sw. Its branches are listed under NSB Bank above, with the address and directions for each.
Is there a Chase in Mason City, IA?
No. FDIC data lists no Chase branch in Mason City as of September 5, 2026. The nearest is in Ames, about 81 miles away in a straight line.
Which banks in Mason City are open on Saturday?
Wells Fargo and Cent Credit Union publish Saturday hours for one or more Mason City locations. The Saturday section above lists each one with its hours. 8 of the 17 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Mason City?
First Citizens Bank, NSB Bank, Cent Credit Union, North Iowa Community Credit Union and Iowa Heartland Credit Union and 2 more have their main office in Mason City, according to the FDIC and the NCUA.
What is the oldest bank in Mason City?
U.S. Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1863.
Which credit unions can I join in Mason City?
Cent Credit Union, North Iowa Community Credit Union, Iowa Heartland Credit Union and Ace Credit Union and 1 more have offices in Mason City. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Mason City 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 Mason City?
Nearby cities with more banks include Clear Lake, Garner, Northwood. Clear Lake is 8 miles away with 4 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 7 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 (2 of 10 branches: U.S. Bank, Wells Fargo) | 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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