US Bank Directory
Banks in Middlebury, IN
3 FDIC-insured banks operate 3 offices in Middlebury, Indiana, and 2 credit unions have 2 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Middlebury
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 Middlebury, according to the FDIC and the NCUA. 4 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
4 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 Middlebury
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 1st Source Bank, Lake City Bank and First State Bank of Middlebury have the most locations in Middlebury, with 1 each. 3 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.
1st Source Bank Bank · 1
1st Source Bank has 1 branch in Middlebury, 72 across Indiana and 81 nationwide. FDIC records list its main office in South Bend, IN and show it operating since 1922. With $9.26 billion in total assets on June 30, 2026, it ranks No. 172 of 4,232 U.S. banks by total assets. The Middlebury Banking Center at 809 Wayne St dates to 1997 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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Middlebury Banking Center809 Wayne St, 46540
Chiphone Credit Union Credit union · 1
Chiphone Credit Union has 1 office in Middlebury, 7 across Indiana. It is based in Elkhart, IN and $113.8 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Middlebury403 Crystal Valley Dr, 46540
All hours
Mon to Thu 8:30 am to 5 pm; Fri 8:30 am to 5:30 pm; Sat 8:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
First State Bank of Middlebury Bank · 1
First State Bank of Middlebury has 1 branch in Middlebury, 6 across Indiana and 6 nationwide. FDIC records list its main office in Middlebury, IN and show it operating since 1910. With $836.2 million in total assets on June 30, 2026, it ranks No. 1,215 of 4,232 U.S. banks by total assets. Its main office at 111 South Main Street dates to 1910 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 office111 South Main Street, 46540
Interra Credit Union Credit union · 1
Interra Credit Union has 1 office in Middlebury, 16 across Indiana. It is based in Goshen, IN and $1.99 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Middlebury Branch106 Crystal Heights Blvd, 46540
All hours
Mon to Fri 8:30 am to 5 pm; Sat 8:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Lake City Bank Bank · 1
Lake City Bank has 1 branch in Middlebury, 57 across Indiana and 57 nationwide. FDIC records list its main office in Warsaw, IN and show it operating since 1872. With $7.24 billion in total assets on June 30, 2026, it ranks No. 217 of 4,232 U.S. banks by total assets. The Middlebury Branch at 712 Wayne St dates to 1995 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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Middlebury Branch712 Wayne St, 46540
Join a credit union in Middlebury
2 credit unions have 2 offices here: Interra Credit Union and Chiphone 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 Middlebury page has every office in the state's directory.
Banking in Middlebury: the local picture
Short answer: 3 banks run 3 branches in Middlebury 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 Middlebury, 2 elsewhere in Indiana, according to the FDIC.
The bank with the longest record here is Lake City Bank, operating since 1872 according to the FDIC. In FDIC branch records, the longest-running branch is First State Bank of Middlebury's office at 111 South Main Street, dating to 1910; the newest is 1st Source Bank's at 809 Wayne St, from 1997.
2 credit unions have 2 offices in Middlebury, according to the NCUA. Who can join each one is on the credit unions page.
Of the 2 locations with published hours. 2 open on Saturday. 3 locations have no published hours in these sources.
Credit unions open on Saturday in Middlebury
Short answer: 2 of the 2 Middlebury locations with published hours open on Saturday, run by 2 institutions.
- Interra Credit Union: 1 of 1 office (106 Crystal Heights Blvd: Saturday 8:30 am to 12 pm)
- Chiphone Credit Union: 1 of 1 office (403 Crystal Valley Dr: Saturday 8:30 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; 3 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 Middlebury, and where the nearest one is if they do not.
Short answer: No branches in Middlebury: Chase (nearest in Goshen, 9 mi), Wells Fargo, Bank of America (nearest in Carmel, 117 mi), PNC Bank (nearest in Elkhart, 14 mi), U.S. Bank (nearest in Richmond, 132 mi), Truist (nearest in New Albany, 229 mi), Fifth Third Bank (nearest in Elkhart, 14 mi), Huntington (nearest in Alexandria, 97 mi), Regions Bank (nearest in Marion, 80 mi), TD Bank, BMO (nearest in Valparaiso, 71 mi).
| Bank | In Middlebury | Nearest branch if none here |
|---|---|---|
| Chase | None | Goshen, 9 miles away |
| Wells Fargo | None | none in Indiana |
| Bank of America | None | Carmel, 117 miles away |
| PNC Bank | None | Elkhart, 14 miles away |
| U.S. Bank | None | Richmond, 132 miles away |
| Truist | None | New Albany, 229 miles away |
| Fifth Third Bank | None | Elkhart, 14 miles away |
| Huntington | None | Alexandria, 97 miles away |
| Regions Bank | None | Marion, 80 miles away |
| TD Bank | None | none in Indiana |
| BMO | None | Valparaiso, 71 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Middlebury to the nearest branch in Indiana.
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 Middlebury residents like anyone else.
Banks near Middlebury
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Shipshewana (7 miles) and Goshen (9 miles). Elkhart, 13 miles away, has the most banks nearby: 13.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Shipshewana, IN | 7 mi | 2 | 2 |
| Banks in Goshen, IN | 9 mi | 9 | 12 |
| Banks in Elkhart, IN | 13 mi | 13 | 30 |
| Banks in Lagrange, IN | 15 mi | 4 | 5 |
| Banks in Ligonier, IN | 16 mi | 2 | 3 |
| Banks in Syracuse, IN | 18 mi | 4 | 4 |
| Banks in Nappanee, IN | 21 mi | 4 | 4 |
| Banks in Granger, IN | 23 mi | 7 | 9 |
Bank branch openings and closings in Middlebury
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Middlebury 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 Middlebury
Short answer: 1 institution has its main office in Middlebury: First State Bank of Middlebury.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| First State Bank of Middlebury | Bank | $836.2 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Middlebury by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Middlebury offices.
Short answer: 1st Source Bank is the largest bank with offices in Middlebury, with $9.26 billion in total assets on June 30, 2026, No. 172 among U.S. banks by total assets. Lake City Bank is second with $7.24 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 |
|---|---|---|---|---|
| 1st Source Bank | $9.26 billion | No. 172 | 1 | South Bend, IN |
| Lake City Bank | $7.24 billion | No. 217 | 1 | Warsaw, IN |
| First State Bank of Middlebury | $836.2 million | No. 1,215 | 1 | Middlebury, IN |
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 Middlebury: FAQ
How many banks are in Middlebury, IN?
Middlebury has 3 banks with 3 branches and 2 credit unions with 2 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 Middlebury?
1st Source Bank, with 1. Lake City Bank has 1 and First State Bank of Middlebury has 1.
Is there a 1st Source Bank in Middlebury, IN?
Yes. FDIC data lists 1 1st Source Bank branch in Middlebury as of September 5, 2026. The address and directions are under 1st Source Bank above.
Is there a Lake City Bank in Middlebury, IN?
Yes. FDIC data lists 1 Lake City Bank branch in Middlebury as of September 5, 2026. The address and directions are under Lake City Bank above.
Is there a Chase in Middlebury, IN?
No. FDIC data lists no Chase branch in Middlebury as of September 5, 2026. The nearest is in Goshen, about 9 miles away in a straight line.
Which banks in Middlebury are open on Saturday?
Interra Credit Union and Chiphone Credit Union publish Saturday hours for one or more Middlebury locations. The Saturday section above lists each one with its hours. 3 of the 5 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Middlebury?
First State Bank of Middlebury has its main office in Middlebury, according to the FDIC.
What is the oldest bank in Middlebury?
Lake City Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1872.
Which credit unions can I join in Middlebury?
Interra Credit Union and Chiphone Credit Union have offices in Middlebury. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Middlebury 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 Middlebury?
Nearby cities with more banks include Shipshewana, Goshen, Elkhart. Shipshewana is 7 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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