Banks in Cold Spring, MN

Bank branch map: Cold Spring

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: 3 banks and credit unions operate 3 locations in Cold Spring, according to the FDIC and the NCUA. 3 of them have coordinates on record and are 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 and credit unions in Cold Spring

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

Short answer: Granite Bank and State Bank of Cold Spring have the most locations in Cold Spring, 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.

Granite Bank 1 branch · main office Cold Spring, MN Bank · 1

Granite Bank has 1 branch in Cold Spring, 2 across Minnesota and 2 nationwide. FDIC records list its main office in Cold Spring, MN and show it operating since 1902. With $353.2 million in total assets on June 30, 2026, it ranks No. 2,253 of 4,232 U.S. banks by total assets. Its main office at 202 2nd Ave S dates to 1902 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Main Office main office

  202 2nd Ave S, 56320

  Hours: see the bank's site
  DirectionsWebsite

Granite Bank: profile, branches and contacts

Magnifi Financial Credit Union 1 office · main office Melrose, MN Credit union · 1

Magnifi Financial Credit Union has 1 office in Cold Spring, 26 across Minnesota. It is based in Melrose, MN and $2.67 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.

• Cold Spring Branch

  208 3Rd Ave S, 56320

  (320) 685-4007Today 8 am to 5 pm

  All hours

  Mon to Fri 8 am to 5 pm; Sat 9 am to 5 pm; Sun not published

  Hours: NCUA, March 31, 2026

  Directions

Magnifi Financial Credit Union: profile, branches and contacts

State Bank of Cold Spring 1 branch · main office Cold Spring, MN Bank · 1

State Bank of Cold Spring has 1 branch in Cold Spring, 1 across Minnesota and 1 nationwide. FDIC records list its main office in Cold Spring, MN and show it operating since 1908. With $81.7 million in total assets on June 30, 2026, it ranks No. 3,836 of 4,232 U.S. banks by total assets. Its main office at 401 Main St dates to 1908 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Main Office main office

  401 Main St, 56320

  Hours: see the bank's site
  DirectionsWebsite

State Bank of Cold Spring: profile, branches and contacts

Join a credit union in Cold Spring

1 credit union has 1 office here: Magnifi Financial 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 Cold Spring page has every office in the state's directory.

Banking in Cold Spring: the local picture

Short answer: 2 banks run 2 branches in Cold Spring 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, 2 have their main office in Cold Spring, according to the FDIC.

The bank with the longest record here is Granite Bank, operating since 1902 according to the FDIC. In FDIC branch records, the longest-running branch is Granite Bank's office at 202 2nd Ave S, dating to 1902; the newest is State Bank of Cold Spring's at 401 Main St, from 1908.

The only credit union with an office here is Magnifi Financial Credit Union.

Of the 1 location with published hours. 1 opens on Saturday. 2 locations have no published hours in these sources.

Credit unions open on Saturday in Cold Spring

Short answer: 1 of the 1 Cold Spring location with published hours opens on Saturday, run by 1 institution.

• Magnifi Financial Credit Union: 1 of 1 office (208 3Rd Ave S: Saturday 9 am to 5 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; 2 of the 3 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 Cold Spring, and where the nearest one is if they do not.

Short answer: No branches in Cold Spring: Chase (nearest in Saint Cloud, 15 mi), Wells Fargo (nearest in St. Cloud, 13 mi), Bank of America (nearest in Maple Grove, 54 mi), PNC Bank, U.S. Bank (nearest in Saint Cloud, 13 mi), Truist, Fifth Third Bank, Huntington (nearest in Saint Cloud, 13 mi), Regions Bank, TD Bank, BMO (nearest in Paynesville, 15 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Cold Spring 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 Cold Spring residents like anyone else.

Banks near Cold Spring

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

Short answer: The closest towns with more choice are Waite Park (12 miles) and Saint Cloud (14 miles). Saint Cloud, 14 miles away, has the most banks nearby: 15.

Bank branch openings and closings in Cold Spring

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

Short answer: FDIC branch records show no bank branch openings in Cold Spring 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 Cold Spring

Short answer: 2 institutions have their main office in Cold Spring: Granite Bank and State Bank of Cold Spring.

Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.

Largest banks in Cold Spring by total assets

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

Short answer: Granite Bank is the largest bank with offices in Cold Spring, with $353.2 million in total assets on June 30, 2026, No. 2,253 among U.S. banks by total assets. State Bank of Cold Spring is second with $81.7 million. 2 of the 2 banks are headquartered here. 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 Cold Spring: FAQ

How we build this page

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