US Bank Directory
Banks in Osceola, IA
3 FDIC-insured banks operate 5 offices in Osceola, 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: Osceola
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: 4 banks and credit unions operate 6 locations in Osceola, according to the FDIC and the NCUA. 6 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
6 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 Osceola
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: First National Bank, Ames, Iowa and American State Bank have the most locations in Osceola, with 2 each. 1 bank has 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.
American State Bank Bank · 2
American State Bank has 2 branches in Osceola, 4 across Iowa and 4 nationwide. FDIC records list its main office in Osceola, IA and show it operating since 1987. With $360.8 million in total assets on June 30, 2026, it ranks No. 2,209 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Osceola location is the Osceola Branch at 101 N Main St, dating to 1970; the newest, at 1000 Jeffreys Dr, to 1987. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office1000 Jeffreys Dr, 50213
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Osceola Branch101 N Main St, 50213
First National Bank, Ames, Iowa Bank · 2
First National Bank, Ames, Iowa has 2 branches in Osceola, 10 across Iowa and 10 nationwide. FDIC records list its main office in Ames, IA and show it operating since 1903. With $1.11 billion in total assets on June 30, 2026, it ranks No. 951 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Osceola location is the Osceola Br at 139 S Main St, dating to 1935; the newest, at 1320 Jeffreys Drive, to 1967. It does not publish hours in the sources this page uses; check its site before you go.
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Osceola Branch1320 Jeffreys Drive, 50213
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Osceola Br139 S Main St, 50213
Community 1st Credit Union Credit union · 1
Community 1st Credit Union has 1 office in Osceola, 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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Osceola714 W Mclane St, 50213
All hours
Mon to Fri 7:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
First Interstate Bank Bank · 1
First Interstate Bank has 1 branch in Osceola, 45 across Iowa and 274 nationwide. FDIC records list its main office in Billings, MT and show it operating since 1916. With $25.79 billion in total assets on June 30, 2026, it ranks No. 83 of 4,232 U.S. banks by total assets. The Osceola Branch at 610 W Mclane St dates to 1934 in FDIC branch records. Its published hours do not list Saturday.
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Osceola Branch610 W Mclane St, 50213
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat to Sun closed
Hours: First Interstate Bank branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Osceola
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 Osceola page has every office in the state's directory.
Banking in Osceola: the local picture
Short answer: 3 banks run 5 branches in Osceola 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 3 banks, 1 has its main office in Osceola, 1 elsewhere in Iowa and 1 out of state, according to the FDIC.
The bank with the longest record here is First National Bank, Ames, Iowa, operating since 1903 according to the FDIC. In FDIC branch records, the longest-running branch is First Interstate Bank's office at 610 W Mclane St, dating to 1934; the newest is American State Bank's at 1000 Jeffreys Dr, from 1987.
The only credit union with an office here is Community 1st Credit Union.
Of the 2 locations with published hours. None open on Saturday. 4 locations have no published hours in these sources.
Saturday hours in Osceola
Short answer: None of the 2 Osceola locations 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 6 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 Osceola, and where the nearest one is if they do not.
Short answer: No branches in Osceola: Chase (nearest in Des Moines, 36 mi), Wells Fargo (nearest in Indianola, 26 mi), Bank of America (nearest in Des Moines, 35 mi), PNC Bank, U.S. Bank (nearest in Mount Ayr, 33 mi), Truist, Fifth Third Bank, Huntington, Regions Bank (nearest in Urbandale, 41 mi), TD Bank, BMO (nearest in Indianola, 25 mi).
| Bank | In Osceola | Nearest branch if none here |
|---|---|---|
| Chase | None | Des Moines, 36 miles away |
| Wells Fargo | None | Indianola, 26 miles away |
| Bank of America | None | Des Moines, 35 miles away |
| PNC Bank | None | none in Iowa |
| U.S. Bank | None | Mount Ayr, 33 miles away |
| Truist | None | none in Iowa |
| Fifth Third Bank | None | none in Iowa |
| Huntington | None | none in Iowa |
| Regions Bank | None | Urbandale, 41 miles away |
| TD Bank | None | none in Iowa |
| BMO | None | Indianola, 25 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Osceola 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 Osceola residents like anyone else.
Banks near Osceola
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Leon (20 miles) and Chariton (24 miles). Indianola, 26 miles away, has the most banks nearby: 5.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Leon, IA | 20 mi | 2 | 2 |
| Banks in Chariton, IA | 24 mi | 3 | 3 |
| Banks in Winterset, IA | 25 mi | 3 | 4 |
| Banks in Indianola, IA | 26 mi | 5 | 6 |
| Banks in Lamoni, IA | 29 mi | 3 | 3 |
| Banks in Corydon, IA | 30 mi | 3 | 3 |
| Banks in Creston, IA | 31 mi | 5 | 7 |
| Banks in Norwalk, IA | 31 mi | 3 | 4 |
Bank branch openings and closings in Osceola
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Osceola 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 Osceola
Short answer: 1 institution has its main office in Osceola: American State Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| American State Bank | Bank | $360.8 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Osceola by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Osceola offices.
Short answer: First Interstate Bank is the largest bank with offices in Osceola, with $25.79 billion in total assets on June 30, 2026, No. 83 among U.S. banks by total assets. First National Bank, Ames, Iowa is second with $1.11 billion. 1 of the 3 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 |
|---|---|---|---|---|
| First Interstate Bank | $25.79 billion | No. 83 | 1 | Billings, MT |
| First National Bank, Ames, Iowa | $1.11 billion | No. 951 | 2 | Ames, IA |
| American State Bank | $360.8 million | No. 2,209 | 2 | Osceola, 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 Osceola: FAQ
How many banks are in Osceola, IA?
Osceola has 3 banks with 5 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 Osceola?
First National Bank, Ames, Iowa, with 2. American State Bank has 2 and First Interstate Bank has 1.
Is there a First National Bank, Ames, Iowa in Osceola, IA?
Yes. FDIC data lists 2 First National Bank, Ames, Iowa branches in Osceola as of September 5, 2026. Its branches are listed under First National Bank, Ames, Iowa above, with the address and directions for each.
Is there a American State Bank in Osceola, IA?
Yes. FDIC data lists 2 American State Bank branches in Osceola as of September 5, 2026, the main office at 1000 Jeffreys Dr. Its branches are listed under American State Bank above, with the address and directions for each.
Is there a First Interstate Bank in Osceola, IA?
Yes. FDIC data lists 1 First Interstate Bank branch in Osceola as of September 5, 2026. The address and directions are under First Interstate Bank above.
Is there a Chase in Osceola, IA?
No. FDIC data lists no Chase branch in Osceola as of September 5, 2026. The nearest is in Des Moines, about 36 miles away in a straight line.
Which banks in Osceola are open on Saturday?
None of the 2 locations with published hours lists Saturday hours. 4 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Osceola?
American State Bank has its main office in Osceola, according to the FDIC.
What is the oldest bank in Osceola?
First National Bank, Ames, Iowa has the longest record among banks with a branch here: the FDIC shows it operating since 1903.
Which credit unions can I join in Osceola?
Community 1st Credit Union has an office in Osceola. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Osceola 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 Osceola?
Nearby cities with more banks include Leon, Chariton, Winterset. Leon is 20 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 5 branches: First Interstate Bank) | 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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