US Bank Directory
Banks in Rochester, IN
4 FDIC-insured banks operate 4 offices in Rochester, Indiana, and 2 credit unions have 3 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Rochester
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: 6 banks and credit unions operate 7 locations in Rochester, according to the FDIC and the NCUA. 7 of them have coordinates on record and are on the map. 3 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
7 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 Rochester
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 Rochester, 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.
Beacon Credit Union Credit union · 2
Beacon Credit Union has 2 officees in Rochester, 23 across Indiana. It is based in Wabash, IN and $1.77 billion in assets on March 31, 2026, according to its NCUA call report. All 2 of its Rochester locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Rochester South430 Rouch Place Dr, 46975
All hours
Mon to Tue 8:30 am to 5 pm; Wed 9 am to 12 pm; Thu to Fri 8:30 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
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Rochester North504 Main St, 46975
All hours
Mon to Fri 8:30 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
1st Source Bank Bank · 1
1st Source Bank has 1 branch in Rochester, 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 Rochester Branch at 516 Main 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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Rochester Branch516 Main St, 46975
Everwise Credit Union Credit union · 1
Everwise Credit Union has 1 office in Rochester, 45 across Indiana. It is based in South Bend, IN and $5.70 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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Rochester 101707 E State Road 14, 46975
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 5:30 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
First Federal Savings Bank Bank · 1
First Federal Savings Bank has 1 branch in Rochester, 6 across Indiana and 6 nationwide. FDIC records list its main office in Rochester, IN and show it operating since 1965. With $686.6 million in total assets on June 30, 2026, it ranks No. 1,396 of 4,232 U.S. banks by total assets. Its main office at 301 E 9th St dates to 1965 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 office301 E 9th St, 46975
Flagstar Bank · 1
Flagstar has 1 branch in Rochester, 24 across Indiana and 345 nationwide. FDIC records list its main office in Hicksville, NY and show it operating since 1987. With $87.71 billion in total assets on June 30, 2026, it ranks No. 36 of 4,232 U.S. banks by total assets. The Rochester Branch at 202 E 9th St dates to 1891 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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Rochester Branch202 E 9th St, 46975
Lake City Bank Bank · 1
Lake City Bank has 1 branch in Rochester, 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 Rochester Branch at 507 E 9th 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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Rochester Branch507 E 9th St, 46975
Join a credit union in Rochester
2 credit unions have 3 offices here: Beacon Credit Union and Everwise 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 Rochester page has every office in the state's directory.
Banking in Rochester: the local picture
Short answer: 4 banks run 4 branches in Rochester 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 Rochester, 2 elsewhere in Indiana and 1 out of state, 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 Flagstar's office at 202 E 9th St, dating to 1891; the newest is 1st Source Bank's at 516 Main St, from 2002.
2 credit unions have 3 offices in Rochester, according to the NCUA. Who can join each one is on the credit unions page.
Of the 3 locations with published hours. 3 open on Saturday. 4 locations have no published hours in these sources.
Credit unions open on Saturday in Rochester
Short answer: 3 of the 3 Rochester locations with published hours open on Saturday, run by 2 institutions.
- Beacon Credit Union: 2 of 2 offices (430 Rouch Place Dr: Saturday 9 am to 12 pm, and 1 more)
- Everwise Credit Union: 1 of 1 office (1707 E State Road 14: 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; 4 of the 7 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 Rochester, and where the nearest one is if they do not.
Short answer: No branches in Rochester: Chase (nearest in Nappanee, 28 mi), Wells Fargo, Bank of America (nearest in Carmel, 73 mi), PNC Bank (nearest in Warsaw, 22 mi), U.S. Bank (nearest in Richmond, 108 mi), Truist (nearest in New Albany, 189 mi), Fifth Third Bank (nearest in South Bend, 42 mi), Huntington (nearest in West Lafayette, 56 mi), Regions Bank (nearest in Delphi, 41 mi), TD Bank, BMO (nearest in Kokomo, 39 mi).
| Bank | In Rochester | Nearest branch if none here |
|---|---|---|
| Chase | None | Nappanee, 28 miles away |
| Wells Fargo | None | none in Indiana |
| Bank of America | None | Carmel, 73 miles away |
| PNC Bank | None | Warsaw, 22 miles away |
| U.S. Bank | None | Richmond, 108 miles away |
| Truist | None | New Albany, 189 miles away |
| Fifth Third Bank | None | South Bend, 42 miles away |
| Huntington | None | West Lafayette, 56 miles away |
| Regions Bank | None | Delphi, 41 miles away |
| TD Bank | None | none in Indiana |
| BMO | None | Kokomo, 39 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Rochester 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 Rochester residents like anyone else.
Banks near Rochester
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Argos (12 miles) and Culver (15 miles). Warsaw, 23 miles away, has the most banks nearby: 10.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Argos, IN | 12 mi | 2 | 2 |
| Banks in Culver, IN | 15 mi | 2 | 2 |
| Banks in Plymouth, IN | 20 mi | 6 | 7 |
| Banks in Winamac, IN | 21 mi | 4 | 4 |
| Banks in Logansport, IN | 22 mi | 5 | 6 |
| Banks in Peru, IN | 22 mi | 7 | 8 |
| Banks in Warsaw, IN | 23 mi | 10 | 19 |
| Banks in North Manchester, IN | 23 mi | 3 | 3 |
Bank branch openings and closings in Rochester
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Rochester 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 Rochester
Short answer: 1 institution has its main office in Rochester: First Federal Savings Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| First Federal Savings Bank | Bank | $686.6 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Rochester by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Rochester offices.
Short answer: Flagstar is the largest bank with offices in Rochester, with $87.71 billion in total assets on June 30, 2026, No. 36 among U.S. banks by total assets. 1st Source Bank is second with $9.26 billion. 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 |
|---|---|---|---|---|
| Flagstar | $87.71 billion | No. 36 | 1 | Hicksville, NY |
| 1st Source Bank | $9.26 billion | No. 172 | 1 | South Bend, IN |
| Lake City Bank | $7.24 billion | No. 217 | 1 | Warsaw, IN |
| First Federal Savings Bank | $686.6 million | No. 1,396 | 1 | Rochester, 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 Rochester: FAQ
How many banks are in Rochester, IN?
Rochester has 4 banks with 4 branches and 2 credit unions with 3 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 Rochester?
Flagstar, with 1. 1st Source Bank has 1 and Lake City Bank has 1.
Is there a Flagstar in Rochester, IN?
Yes. FDIC data lists 1 Flagstar branch in Rochester as of September 5, 2026. The address and directions are under Flagstar above.
Is there a 1st Source Bank in Rochester, IN?
Yes. FDIC data lists 1 1st Source Bank branch in Rochester as of September 5, 2026. The address and directions are under 1st Source Bank above.
Is there a Lake City Bank in Rochester, IN?
Yes. FDIC data lists 1 Lake City Bank branch in Rochester as of September 5, 2026. The address and directions are under Lake City Bank above.
Is there a Chase in Rochester, IN?
No. FDIC data lists no Chase branch in Rochester as of September 5, 2026. The nearest is in Nappanee, about 28 miles away in a straight line.
Which banks in Rochester are open on Saturday?
Beacon Credit Union and Everwise Credit Union publish Saturday hours for one or more Rochester locations. The Saturday section above lists each one with its hours. 4 of the 7 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Rochester?
First Federal Savings Bank has its main office in Rochester, according to the FDIC.
What is the oldest bank in Rochester?
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 Rochester?
Beacon Credit Union and Everwise Credit Union have offices in Rochester. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Rochester 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 Rochester?
Nearby cities with more banks include Argos, Culver, Plymouth. Argos is 12 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 3 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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