Banks in Spirit Lake, ID

Bank branch map: Spirit Lake

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: 1 institution operates 1 location in Spirit Lake, according to the FDIC. 1 of them has coordinates on record and is 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 in Spirit Lake

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: First Interstate Bank is the only bank with an office in Spirit Lake. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

First Interstate Bank 1 branch · main office Billings, MT Bank · 1

First Interstate Bank has 1 branch in Spirit Lake, 20 across Idaho 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 Spirit Lake Branch at 31845 N 5th Ave dates to 2007 in FDIC branch records. Its published hours do not list Saturday.

• Spirit Lake Branch

  31845 N 5th Ave, 83869

  (208) 623-5700Today 9 am to 5 pm

  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

  DirectionsBranch page

First Interstate Bank: profile, branches and contacts

Banking in Spirit Lake: the local picture

Short answer: 1 bank runs 1 branch in Spirit Lake according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

First Interstate Bank has its main office in Billings, MT, according to the FDIC.

The bank with the longest record here is First Interstate Bank, operating since 1916 according to the FDIC.

Of the 1 location with published hours. None open on Saturday.

Saturday hours in Spirit Lake

Short answer: None of the 1 Spirit Lake location with published hours lists Saturday hours.

Bank branches show hours only where the bank publishes them in a source this page uses. 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 Spirit Lake, and where the nearest one is if they do not.

Short answer: No branches in Spirit Lake: Chase (nearest in Coeur D'Alene, 18 mi), Wells Fargo (nearest in Rathdrum, 10 mi), Bank of America (nearest in Coeur D Alene, 16 mi), PNC Bank, U.S. Bank (nearest in Coeur D Alene, 16 mi), Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO (nearest in Nampa, 302 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Spirit Lake to the nearest branch in Idaho.

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 Spirit Lake residents like anyone else.

Banks near Spirit Lake

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

Short answer: The closest towns with more choice are Rathdrum (10 miles) and Hayden (15 miles). Coeur D Alene, 19 miles away, has the most banks nearby: 12.

Bank branch openings and closings in Spirit Lake

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

Short answer: FDIC branch records show no bank branch openings in Spirit Lake between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Spirit Lake by total assets

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

Short answer: First Interstate Bank is the largest bank with offices in Spirit Lake, with $25.79 billion in total assets on June 30, 2026, No. 83 among U.S. banks by total assets. 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 Spirit Lake: FAQ

How we build this page

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