US Bank Directory
Banks in Hoyt Lakes, MN
1 FDIC-insured bank operates 1 office in Hoyt Lakes, Minnesota, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Hoyt Lakes
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 Hoyt Lakes, according to the FDIC and the NCUA. 2 of them have coordinates on record and are on the map. 1 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
2 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 Hoyt Lakes
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: The First National Bank of Gilbert is the only bank with an office in Hoyt Lakes. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Northridge Community Credit Union Credit union · 1
Northridge Community Credit Union has 1 office in Hoyt Lakes, 5 across Minnesota. It is based in Virginia, MN and $109.6 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
-
Hoyt Lakes Office283 Kennedy Memorial Dr, 55750
All hours
Mon to Fri 9 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
The First National Bank of Gilbert Bank · 1
The First National Bank of Gilbert has 1 branch in Hoyt Lakes, 2 across Minnesota and 2 nationwide. FDIC records list its main office in Gilbert, MN and show it operating since 1908. With $86.0 million in total assets on June 30, 2026, it ranks No. 3,806 of 4,232 U.S. banks by total assets. The Hoyt Lakes Branch at 207 Kennedy Memorial Dr dates to 2018 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Hoyt Lakes Branch207 Kennedy Memorial Dr, 55750
Join a credit union in Hoyt Lakes
1 credit union has 1 office here: Northridge Community 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 Hoyt Lakes page has every office in the state's directory.
Banking in Hoyt Lakes: the local picture
Short answer: 1 bank runs 1 branch in Hoyt Lakes according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
The First National Bank of Gilbert has its main office in Gilbert, MN, according to the FDIC.
The bank with the longest record here is The First National Bank of Gilbert, operating since 1908 according to the FDIC.
The only credit union with an office here is Northridge Community Credit Union.
Of the 1 location with published hours. None open on Saturday. 1 location has no published hours in these sources.
Saturday hours in Hoyt Lakes
Short answer: None of the 1 Hoyt Lakes location with published hours lists Saturday hours. 1 location does not publish hours in these sources; call ahead.
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; 1 of the 2 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 Hoyt Lakes, and where the nearest one is if they do not.
Short answer: No branches in Hoyt Lakes: Chase (nearest in Forest Lake, 160 mi), Wells Fargo (nearest in Virginia, 18 mi), Bank of America (nearest in Blaine, 169 mi), PNC Bank, U.S. Bank (nearest in Virginia, 18 mi), Truist, Fifth Third Bank, Huntington (nearest in Duluth, 49 mi), Regions Bank, TD Bank, BMO (nearest in Little Falls, 150 mi).
| Bank | In Hoyt Lakes | Nearest branch if none here |
|---|---|---|
| Chase | None | Forest Lake, 160 miles away |
| Wells Fargo | None | Virginia, 18 miles away |
| Bank of America | None | Blaine, 169 miles away |
| PNC Bank | None | none in Minnesota |
| U.S. Bank | None | Virginia, 18 miles away |
| Truist | None | none in Minnesota |
| Fifth Third Bank | None | none in Minnesota |
| Huntington | None | Duluth, 49 miles away |
| Regions Bank | None | none in Minnesota |
| TD Bank | None | none in Minnesota |
| BMO | None | Little Falls, 150 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Hoyt Lakes 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%.
| 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 Hoyt Lakes residents like anyone else.
Banks near Hoyt Lakes
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Virginia (18 miles) and Ely (30 miles). Duluth, 50 miles away, has the most banks nearby: 10.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Virginia, MN | 18 mi | 5 | 6 |
| Banks in Ely, MN | 30 mi | 3 | 3 |
| Banks in Hibbing, MN | 38 mi | 5 | 5 |
| Banks in Two Harbors, MN | 41 mi | 2 | 2 |
| Banks in Hermantown, MN | 49 mi | 5 | 5 |
| Banks in Duluth, MN | 50 mi | 10 | 27 |
| Banks in Cloquet, MN | 57 mi | 5 | 5 |
| Banks in Grand Rapids, MN | 68 mi | 7 | 9 |
Bank branch openings and closings in Hoyt Lakes
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Hoyt Lakes between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Hoyt Lakes by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Hoyt Lakes offices.
Short answer: The First National Bank of Gilbert is the largest bank with offices in Hoyt Lakes, with $86.0 million in total assets on June 30, 2026, No. 3,806 among U.S. banks by total assets. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| The First National Bank of Gilbert | $86.0 million | No. 3,806 | 1 | Gilbert, MN |
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 Hoyt Lakes: FAQ
How many banks are in Hoyt Lakes, MN?
Hoyt Lakes has 1 bank with 1 branch and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Is there a The First National Bank of Gilbert in Hoyt Lakes, MN?
Yes. FDIC data lists 1 The First National Bank of Gilbert branch in Hoyt Lakes as of September 5, 2026. The address and directions are under The First National Bank of Gilbert above.
Is there a Chase in Hoyt Lakes, MN?
No. FDIC data lists no Chase branch in Hoyt Lakes as of September 5, 2026. The nearest is in Forest Lake, about 160 miles away in a straight line.
Which banks in Hoyt Lakes are open on Saturday?
None of the 1 location with published hours lists Saturday hours. 1 location does not publish hours in our sources; call ahead.
What is the oldest bank in Hoyt Lakes?
The First National Bank of Gilbert has the longest record among banks with a branch here: the FDIC shows it operating since 1908.
Which credit unions can I join in Hoyt Lakes?
Northridge Community Credit Union has an office in Hoyt Lakes. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Hoyt Lakes 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 Hoyt Lakes?
Nearby cities with more banks include Virginia, Ely, Hibbing. Virginia is 18 miles away with 5 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 |
See your odds before you apply
Banrox shows how likely a card or loan is for your profile, from your own data, without a hard pull. Platform live; card in early access; no card issued.
Check your odds