US Bank Directory
Banks in Monticello, IA
4 FDIC-insured banks operate 4 offices in Monticello, 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: Monticello
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 Monticello, according to the FDIC and the NCUA. 5 of them have coordinates on record and are on the map. 1 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
5 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 Monticello
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 Monticello, 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.
Citizens State Bank Bank · 1
Citizens State Bank has 1 branch in Monticello, 8 across Iowa and 8 nationwide. FDIC records list its main office in Monticello, IA and show it operating since 1931. With $594.4 million in total assets on June 30, 2026, it ranks No. 1,578 of 4,232 U.S. banks by total assets. Its main office at 117 W 1st St dates to 1931 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 office117 W 1st St, 52310
Dutrac Community Credit Union Credit union · 1
Dutrac Community Credit Union has 1 office in Monticello, 14 across Iowa. It is based in Dubuque, IA and $1.25 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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Monticello337 S Main St, 52310
All hours
Mon to Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Farmers & Merchants Savings Bank Bank · 1
Farmers & Merchants Savings Bank has 1 branch in Monticello, 5 across Iowa and 7 nationwide. FDIC records list its main office in Manchester, IA and show it operating since 1925. With $616.8 million in total assets on June 30, 2026, it ranks No. 1,537 of 4,232 U.S. banks by total assets. The Monticello Branch at 111 E 1st St dates to 2014 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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Monticello Branch111 E 1st St, 52310
Fidelity Bank & Trust Bank · 1
Fidelity Bank & Trust has 1 branch in Monticello, 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 Monticello Branch at 424 E Oak St dates to 2002 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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Monticello Branch424 E Oak St, 52310
Ohnward Bank & Trust Bank · 1
Ohnward Bank & Trust has 1 branch in Monticello, 6 across Iowa and 6 nationwide. FDIC records list its main office in Cascade, IA and show it operating since 1903. With $499.1 million in total assets on June 30, 2026, it ranks No. 1,797 of 4,232 U.S. banks by total assets. The Monticello Branch at 307 S Main 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.
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Monticello Branch307 S Main St, 52310
Join a credit union in Monticello
1 credit union has 1 office here: Dutrac 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 Monticello page has every office in the state's directory.
Banking in Monticello: the local picture
Short answer: 4 banks run 4 branches in Monticello 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 Monticello, 3 elsewhere in Iowa, according to the FDIC.
The bank with the longest record here is Ohnward Bank & Trust, operating since 1903 according to the FDIC. In FDIC branch records, the longest-running branch is Ohnward Bank & Trust's office at 307 S Main St, dating to 1903; the newest is Farmers & Merchants Savings Bank's at 111 E 1st St, from 2014.
The only credit union with an office here is Dutrac 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 Monticello
Short answer: None of the 1 Monticello 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 Monticello, and where the nearest one is if they do not.
Short answer: No branches in Monticello: Chase (nearest in Cedar Rapids, 34 mi), Wells Fargo (nearest in Marion, 26 mi), Bank of America (nearest in Des Moines, 134 mi), PNC Bank, U.S. Bank (nearest in Marion, 24 mi), Truist, Fifth Third Bank, Huntington, Regions Bank (nearest in Waterloo, 61 mi), TD Bank, BMO (nearest in Marion, 25 mi).
| Bank | In Monticello | Nearest branch if none here |
|---|---|---|
| Chase | None | Cedar Rapids, 34 miles away |
| Wells Fargo | None | Marion, 26 miles away |
| Bank of America | None | Des Moines, 134 miles away |
| PNC Bank | None | none in Iowa |
| U.S. Bank | None | Marion, 24 miles away |
| Truist | None | none in Iowa |
| Fifth Third Bank | None | none in Iowa |
| Huntington | None | none in Iowa |
| Regions Bank | None | Waterloo, 61 miles away |
| TD Bank | None | none in Iowa |
| BMO | None | Marion, 25 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Monticello 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 Monticello residents like anyone else.
Banks near Monticello
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Anamosa (10 miles) and Cascade (10 miles). Manchester, 22 miles away, has the most banks nearby: 5.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Anamosa, IA | 10 mi | 3 | 3 |
| Banks in Cascade, IA | 10 mi | 2 | 2 |
| Banks in Farley, IA | 17 mi | 2 | 2 |
| Banks in Dyersville, IA | 17 mi | 3 | 3 |
| Banks in Central City, IA | 17 mi | 2 | 2 |
| Banks in Springville, IA | 18 mi | 2 | 2 |
| Banks in Manchester, IA | 22 mi | 5 | 5 |
| Banks in Peosta, IA | 22 mi | 2 | 2 |
Bank branch openings and closings in Monticello
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Monticello 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 Monticello
Short answer: 1 institution has its main office in Monticello: Citizens State Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Citizens State Bank | Bank | $594.4 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Monticello by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Monticello offices.
Short answer: Fidelity Bank & Trust is the largest bank with offices in Monticello, with $2.60 billion in total assets on June 30, 2026, No. 486 among U.S. banks by total assets. Farmers & Merchants Savings Bank is second with $616.8 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 |
|---|---|---|---|---|
| Fidelity Bank & Trust | $2.60 billion | No. 486 | 1 | Dubuque, IA |
| Farmers & Merchants Savings Bank | $616.8 million | No. 1,537 | 1 | Manchester, IA |
| Citizens State Bank | $594.4 million | No. 1,578 | 1 | Monticello, IA |
| Ohnward Bank & Trust | $499.1 million | No. 1,797 | 1 | Cascade, 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 Monticello: FAQ
How many banks are in Monticello, IA?
Monticello has 4 banks with 4 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 Monticello?
Fidelity Bank & Trust, with 1. Farmers & Merchants Savings Bank has 1 and Citizens State Bank has 1.
Is there a Fidelity Bank & Trust in Monticello, IA?
Yes. FDIC data lists 1 Fidelity Bank & Trust branch in Monticello as of September 5, 2026. The address and directions are under Fidelity Bank & Trust above.
Is there a Farmers & Merchants Savings Bank in Monticello, IA?
Yes. FDIC data lists 1 Farmers & Merchants Savings Bank branch in Monticello as of September 5, 2026. The address and directions are under Farmers & Merchants Savings Bank above.
Is there a Citizens State Bank in Monticello, IA?
Yes. FDIC data lists 1 Citizens State Bank branch in Monticello as of September 5, 2026, the main office at 117 W 1st St. The address and directions are under Citizens State Bank above.
Is there a Chase in Monticello, IA?
No. FDIC data lists no Chase branch in Monticello as of September 5, 2026. The nearest is in Cedar Rapids, about 34 miles away in a straight line.
Which banks in Monticello are open on Saturday?
None of the 1 location with published hours lists Saturday hours. 4 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Monticello?
Citizens State Bank has its main office in Monticello, according to the FDIC.
What is the oldest bank in Monticello?
Ohnward Bank & Trust has the longest record among banks with a branch here: the FDIC shows it operating since 1903.
Which credit unions can I join in Monticello?
Dutrac Community Credit Union has an office in Monticello. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Monticello 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 Monticello?
Nearby cities with more banks include Anamosa, Cascade, Farley. Anamosa is 10 miles away with 3 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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