Banks in Winona Lake, IN

Bank branch map: Winona 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 2 locations in Winona Lake, according to the FDIC. 2 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

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 Winona Lake

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

Short answer: Lake City Bank is the only bank with offices in Winona Lake, with 2. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Lake City Bank 2 branches · main office Warsaw, IN Bank · 2

Lake City Bank has 2 branches in Winona Lake, 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. In FDIC branch records, its longest-running Winona Lake location is the Winona Lake Branch at 99 Chestnut Ave, dating to 1965; the newest, at 1324 Wooster Rd, to 1999. It does not publish hours in the sources this page uses; check its site before you go.

• Grace Village Branch

  1324 Wooster Rd, 46590

  Hours: see the bank's site
  DirectionsWebsite
• Winona Lake Branch

  99 Chestnut Ave, 46590

  Hours: see the bank's site
  DirectionsWebsite

Lake City Bank: profile, branches and contacts

Banking in Winona Lake: the local picture

Short answer: 1 bank runs 2 branches in Winona 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.

Lake City Bank has its main office in Warsaw, IN, 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 Lake City Bank's office at 99 Chestnut Ave, dating to 1965; the newest is Lake City Bank's at 1324 Wooster Rd, from 1999.

None of the 2 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in Winona Lake, and where the nearest one is if they do not.

Short answer: No branches in Winona Lake: Chase (nearest in Columbia City, 18 mi), Wells Fargo, Bank of America (nearest in Carmel, 86 mi), PNC Bank (nearest in Warsaw, 3 mi), U.S. Bank (nearest in Richmond, 106 mi), Truist (nearest in New Albany, 199 mi), Fifth Third Bank (nearest in Fort Wayne, 33 mi), Huntington (nearest in Alexandria, 67 mi), Regions Bank (nearest in Marion, 49 mi), TD Bank, BMO (nearest in Kokomo, 53 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Winona Lake 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%.

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 Winona Lake residents like anyone else.

Banks near Winona 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 Warsaw (2 miles) and North Webster (9 miles). Warsaw, 2 miles away, has the most banks nearby: 10.

Bank branch openings and closings in Winona Lake

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

Short answer: FDIC branch records show no bank branch openings in Winona 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 Winona Lake by total assets

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

Short answer: Lake City Bank is the largest bank with offices in Winona Lake, with $7.24 billion in total assets on June 30, 2026, No. 217 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 Winona Lake: FAQ

How we build this page

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