US Bank Directory
Banks in Lake Elmo, MN
2 FDIC-insured banks operate 4 offices in Lake Elmo, Minnesota, and 2 credit unions have 2 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Lake Elmo
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: 4 banks and credit unions operate 6 locations in Lake Elmo, according to the FDIC and the NCUA. 6 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
6 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 Lake Elmo
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Lake Elmo Bank has the most locations in Lake Elmo, with 3. The other 1 has 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.
Lake Elmo Bank Bank · 3
Lake Elmo Bank has 3 branches in Lake Elmo, 9 across Minnesota and 9 nationwide. FDIC records list its main office in Lake Elmo, MN and show it operating since 1911. With $529.7 million in total assets on June 30, 2026, it ranks No. 1,727 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Lake Elmo location is its main office at 11465 39th St N, dating to 1911; the newest, at 11020 39th St N, to 2021. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office11465 39th St N, 55042
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Arbor Glen Senior Living Branch11020 39th St N, 55042
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The Fields At Arbor Glen Senior Living Branch11070 39th St N, 55042
Affinity Plus Credit Union Credit union · 1
Affinity Plus Credit Union has 1 office in Lake Elmo, 35 across Minnesota. It is based in Saint Paul, MN and $5.05 billion 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.
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Lake Elmo9931 Hudson Blvd N, 55042
All hours
Mon to Fri 9 am to 4 pm; Sat to Sun closed
Hours: NCUA, March 31, 2026
Bridgewater Bank Bank · 1
Bridgewater Bank has 1 branch in Lake Elmo, 10 across Minnesota and 10 nationwide. FDIC records list its main office in Saint Louis Park, MN and show it operating since 2005. With $5.38 billion in total assets on June 30, 2026, it ranks No. 275 of 4,232 U.S. banks by total assets. The Bridgewater Bank - Lake Elmo Branch at 11999 Upper 40th St N dates to 2026 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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Bridgewater Bank - Lake Elmo Branch11999 Upper 40th St N, 55042
City & County Credit Union Credit union · 1
City & County Credit Union has 1 office in Lake Elmo, 10 across Minnesota. It is based in Saint Paul, MN and $1.18 billion 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.
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Lake Elmo Office8500 Hudson Blvd N, 55042
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Lake Elmo
2 credit unions have 2 offices here: Affinity Plus Credit Union and City & County 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 Lake Elmo page has every office in the state's directory.
Banking in Lake Elmo: the local picture
Short answer: 2 banks run 4 branches in Lake Elmo 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, 1 has its main office in Lake Elmo, 1 elsewhere in Minnesota, according to the FDIC.
The bank with the longest record here is Lake Elmo Bank, operating since 1911 according to the FDIC. In FDIC branch records, the longest-running branch is Lake Elmo Bank's office at 11465 39th St N, dating to 1911; the newest is Bridgewater Bank's at 11999 Upper 40th St N, from 2026.
2 credit unions have 2 offices in Lake Elmo, according to the NCUA. Who can join each one is on the credit unions page.
Of the 2 locations with published hours. None open on Saturday. 4 locations have no published hours in these sources.
Saturday hours in Lake Elmo
Short answer: None of the 2 Lake Elmo locations with published hours lists Saturday hours. 4 locations do 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; 4 of the 6 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 Lake Elmo, and where the nearest one is if they do not.
Short answer: No branches in Lake Elmo: Chase (nearest in Stillwater, 2 mi), Wells Fargo (nearest in Stillwater, 3 mi), Bank of America (nearest in Oak Park Heights, 3 mi), PNC Bank, U.S. Bank (nearest in Stillwater, 3 mi), Truist, Fifth Third Bank, Huntington (nearest in Oak Park Heights, 2 mi), Regions Bank, TD Bank, BMO (nearest in Woodbury, 5 mi).
| Bank | In Lake Elmo | Nearest branch if none here |
|---|---|---|
| Chase | None | Stillwater, 2 miles away |
| Wells Fargo | None | Stillwater, 3 miles away |
| Bank of America | None | Oak Park Heights, 3 miles away |
| PNC Bank | None | none in Minnesota |
| U.S. Bank | None | Stillwater, 3 miles away |
| Truist | None | none in Minnesota |
| Fifth Third Bank | None | none in Minnesota |
| Huntington | None | Oak Park Heights, 2 miles away |
| Regions Bank | None | none in Minnesota |
| TD Bank | None | none in Minnesota |
| BMO | None | Woodbury, 5 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Lake Elmo 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 Lake Elmo residents like anyone else.
Banks near Lake Elmo
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Oak Park Heights (3 miles) and Stillwater (3 miles). Woodbury, 6 miles away, has the most banks nearby: 14.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Oak Park Heights, MN | 3 mi | 4 | 5 |
| Banks in Stillwater, MN | 3 mi | 7 | 8 |
| Banks in Oakdale, MN | 5 mi | 5 | 7 |
| Banks in Woodbury, MN | 6 mi | 14 | 18 |
| Banks in Maplewood, MN | 7 mi | 5 | 5 |
| Banks in White Bear Lake, MN | 8 mi | 9 | 10 |
| Banks in Vadnais Heights, MN | 10 mi | 2 | 2 |
| Banks in South Saint Paul, MN | 12 mi | 2 | 2 |
Bank branch openings and closings in Lake Elmo
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show 1 branch opening in Lake Elmo between September 5, 2025 and September 5, 2026.
| Date | Change | Bank | Address |
|---|---|---|---|
| Feb 17, 2026 | Opened | Bridgewater Bank | 11999 Upper 40th St N, 55042 |
Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.
Banks and credit unions based in Lake Elmo
Short answer: 1 institution has its main office in Lake Elmo: Lake Elmo Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Lake Elmo Bank | Bank | $529.7 million | 3 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Lake Elmo by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Lake Elmo offices.
Short answer: Bridgewater Bank is the largest bank with offices in Lake Elmo, with $5.38 billion in total assets on June 30, 2026, No. 275 among U.S. banks by total assets. Lake Elmo Bank is second with $529.7 million. 1 of the 2 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 |
|---|---|---|---|---|
| Bridgewater Bank | $5.38 billion | No. 275 | 1 | Saint Louis Park, MN |
| Lake Elmo Bank | $529.7 million | No. 1,727 | 3 | Lake Elmo, 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 Lake Elmo: FAQ
How many banks are in Lake Elmo, MN?
Lake Elmo has 2 banks with 4 branches and 2 credit unions with 2 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 Lake Elmo?
Lake Elmo Bank, with 3. Bridgewater Bank has 1.
Is there a Bridgewater Bank in Lake Elmo, MN?
Yes. FDIC data lists 1 Bridgewater Bank branch in Lake Elmo as of September 5, 2026. The address and directions are under Bridgewater Bank above.
Is there a Chase in Lake Elmo, MN?
No. FDIC data lists no Chase branch in Lake Elmo as of September 5, 2026. The nearest is in Stillwater, about 2 miles away in a straight line.
Which banks in Lake Elmo are open on Saturday?
None of the 2 locations with published hours lists Saturday hours. 4 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Lake Elmo?
Lake Elmo Bank has its main office in Lake Elmo, according to the FDIC.
What is the oldest bank in Lake Elmo?
Lake Elmo Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1911.
Which credit unions can I join in Lake Elmo?
Affinity Plus Credit Union and City & County Credit Union have offices in Lake Elmo. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Lake Elmo in the past year?
FDIC branch records show 1 branch opening 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 Lake Elmo?
Nearby cities with more banks include Oak Park Heights, Stillwater, Oakdale. Oak Park Heights is 3 miles away with 4 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 2 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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