Banks in Saint Joseph, MN

Bank branch map: Saint Joseph

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 Saint Joseph, according to the FDIC and the NCUA. 2 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 Saint Joseph

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

Short answer: Sentry Bank is the only bank with an office in Saint Joseph. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

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

Magnifi Financial Credit Union has 1 office in Saint Joseph, 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.

• St Joseph

  1300 Elm St E, 56374

  (320) 271-0274Today 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

Sentry Bank 1 branch · main office Saint Joseph, MN Bank · 1

Sentry Bank has 1 branch in Saint Joseph, 4 across Minnesota and 4 nationwide. FDIC records list its main office in Saint Joseph, MN and show it operating since 1904. With $415.5 million in total assets on June 30, 2026, it ranks No. 2,030 of 4,232 U.S. banks by total assets. Its main office at 400 4th Ave Ne dates to 1904 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

  400 4th Ave Ne, 56374

  Hours: see the bank's site
  DirectionsWebsite

Sentry Bank: profile, branches and contacts

Join a credit union in Saint Joseph

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 Saint Joseph page has every office in the state's directory.

Banking in Saint Joseph: the local picture

Short answer: 1 bank runs 1 branch in Saint Joseph according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Sentry Bank has its main office in Saint Joseph, according to the FDIC.

The bank with the longest record here is Sentry Bank, operating since 1904 according to the FDIC.

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

Of the 1 location with published hours. 1 opens on Saturday. 1 location has no published hours in these sources.

Credit unions open on Saturday in Saint Joseph

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

• Magnifi Financial Credit Union: 1 of 1 office (1300 Elm St E: 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; 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 Saint Joseph, and where the nearest one is if they do not.

Short answer: No branches in Saint Joseph: Chase (nearest in Saint Cloud, 7 mi), Wells Fargo (nearest in St. Cloud, 6 mi), Bank of America (nearest in Coon Rapids, 53 mi), PNC Bank, U.S. Bank (nearest in Sartell, 4 mi), Truist, Fifth Third Bank, Huntington (nearest in Saint Cloud, 6 mi), Regions Bank, TD Bank, BMO (nearest in Paynesville, 23 mi).

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

Banks near Saint Joseph

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 (4 miles) and Sartell (5 miles). Saint Cloud, 6 miles away, has the most banks nearby: 15.

Bank branch openings and closings in Saint Joseph

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

Short answer: FDIC branch records show no bank branch openings in Saint Joseph 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 Saint Joseph

Short answer: 1 institution has its main office in Saint Joseph: Sentry Bank.

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

Largest banks in Saint Joseph by total assets

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

Short answer: Sentry Bank is the largest bank with offices in Saint Joseph, with $415.5 million in total assets on June 30, 2026, No. 2,030 among U.S. banks by total assets. 1 of the 1 bank is 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 Saint Joseph: FAQ

How we build this page

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