Banks in Clearwater, MN

Bank branch map: Clearwater

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: 2 banks and credit unions operate 2 locations in Clearwater, 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 Clearwater

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

Short answer: American Heritage National Bank and Lake Central Bank have the most locations in Clearwater, with 1 each. 2 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.

American Heritage National Bank 1 branch · main office Long Prairie, MN Bank · 1

American Heritage National Bank has 1 branch in Clearwater, 7 across Minnesota and 7 nationwide. FDIC records list its main office in Long Prairie, MN and show it operating since 1881. With $604.7 million in total assets on June 30, 2026, it ranks No. 1,554 of 4,232 U.S. banks by total assets. The Clearwater Branch at 800 Nelson Dr dates to 2015 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Clearwater Branch

  800 Nelson Dr, 55320

  Hours: see the bank's site
  DirectionsWebsite

American Heritage National Bank: profile, branches and contacts

Lake Central Bank 1 branch · main office Annandale, MN Bank · 1

Lake Central Bank has 1 branch in Clearwater, 3 across Minnesota and 3 nationwide. FDIC records list its main office in Annandale, MN and show it operating since 1893. With $291.3 million in total assets on June 30, 2026, it ranks No. 2,527 of 4,232 U.S. banks by total assets. The Clearwater Branch at 700 State Highway 24 North dates to 1978 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Clearwater Branch

  700 State Highway 24 North, 55320

  Hours: see the bank's site
  DirectionsWebsite

Lake Central Bank: profile, branches and contacts

Banking in Clearwater: the local picture

Short answer: 2 banks run 2 branches in Clearwater 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 2 banks, 0 have their main office in Clearwater, 2 elsewhere in Minnesota, according to the FDIC.

The bank with the longest record here is American Heritage National Bank, operating since 1881 according to the FDIC. In FDIC branch records, the longest-running branch is Lake Central Bank's office at 700 State Highway 24 North, dating to 1978; the newest is American Heritage National Bank's at 800 Nelson Dr, from 2015.

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 Clearwater, and where the nearest one is if they do not.

Short answer: No branches in Clearwater: Chase (nearest in Saint Cloud, 11 mi), Wells Fargo (nearest in Saint Cloud, 11 mi), Bank of America (nearest in Maple Grove, 37 mi), PNC Bank, U.S. Bank (nearest in Saint Cloud, 11 mi), Truist, Fifth Third Bank, Huntington (nearest in Saint Cloud, 11 mi), Regions Bank, TD Bank, BMO (nearest in Rogers, 28 mi).

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

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 Clearwater residents like anyone else.

Banks near Clearwater

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

Short answer: The closest towns with more choice are Annandale (11 miles) and Saint Cloud (11 miles). Saint Cloud, 11 miles away, has the most banks nearby: 15.

Bank branch openings and closings in Clearwater

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

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

Largest banks in Clearwater by total assets

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

Short answer: American Heritage National Bank is the largest bank with offices in Clearwater, with $604.7 million in total assets on June 30, 2026, No. 1,554 among U.S. banks by total assets. Lake Central Bank is second with $291.3 million. 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 Clearwater: FAQ

How we build this page

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