US Bank Directory
Banks in Sauk Rapids, MN
4 FDIC-insured banks operate 4 offices in Sauk Rapids, 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; hours checked October 10, 2026.
Bank branch map: Sauk Rapids
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: 6 banks and credit unions operate 6 locations in Sauk Rapids, according to the FDIC and the NCUA. 6 of them have coordinates on record and are on the map. 4 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 Sauk Rapids
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 4 banks share the most locations in Sauk Rapids, with 1 each. 4 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.
Credit Union 1 Credit union · 1
Credit Union 1 has 1 office in Sauk Rapids, 7 across Minnesota. It is based in Lombard, IL and $2.64 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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Sauk Rapids4 2Nd Ave N, 56379
All hours
Mon to Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Farmers and Merchants State Bank of Pierz Bank · 1
Farmers and Merchants State Bank of Pierz has 1 branch in Sauk Rapids, 3 across Minnesota and 3 nationwide. FDIC records list its main office in Pierz, MN and show it operating since 1908. With $336.2 million in total assets on June 30, 2026, it ranks No. 2,319 of 4,232 U.S. banks by total assets. The Sauk Rapids Branch at 1301 2nd St N dates to 1995 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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Sauk Rapids Branch1301 2nd St N, 56379
Gate City Bank Bank · 1
Gate City Bank has 1 branch in Sauk Rapids, 10 across Minnesota and 46 nationwide. FDIC records list its main office in Fargo, ND and show it operating since 1923. With $4.04 billion in total assets on June 30, 2026, it ranks No. 331 of 4,232 U.S. banks by total assets. The Sauk Rapids Coborns Branch at 110 1st St S dates to 2020 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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Sauk Rapids Coborns Branch110 1st St S, 56379
St. Cloud Financial Credit Union Credit union · 1
St. Cloud Financial Credit Union has 1 office in Sauk Rapids, 5 across Minnesota. It is based in Sartell, MN and $439.7 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.
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St Cloud Financial Credit Union-Sauk Rapids205 2Nd Ave N, 56379
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Sauk Rapids, 105 across Minnesota and 2,097 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1863. With $705.55 billion in total assets on June 30, 2026, it ranks No. 6 of 4,232 U.S. banks by total assets. The Sauk Rapids Branch at 122 2nd Ave S dates to 1923 in FDIC branch records. Its published hours do not list Saturday.
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Sauk Rapids Branch122 2nd Ave S, 56379
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Sauk Rapids, 121 across Minnesota and 4,161 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1870. With $1.91 trillion in total assets on June 30, 2026, it ranks No. 4 of 4,232 U.S. banks by total assets. The Sauk Rapids Branch at 115 1st St S dates to 1929 in FDIC branch records. It opens on Saturday.
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Sauk Rapids Branch115 1st St S, 56379
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Sauk Rapids
2 credit unions have 2 offices here: Credit Union 1 and St. Cloud 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 Sauk Rapids page has every office in the state's directory.
Banking in Sauk Rapids: the local picture
Short answer: 4 banks run 4 branches in Sauk Rapids 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 4 banks, 0 have their main office in Sauk Rapids, 1 elsewhere in Minnesota and 3 out of state, according to the FDIC.
The bank with the longest record here is U.S. Bank, operating since 1863 according to the FDIC. In FDIC branch records, the longest-running branch is U.S. Bank's office at 122 2nd Ave S, dating to 1923; the newest is Gate City Bank's at 110 1st St S, from 2020.
2 credit unions have 2 offices in Sauk Rapids, according to the NCUA. Who can join each one is on the credit unions page.
Of the 4 locations with published hours. 1 opens on Saturday. 2 locations have no published hours in these sources.
Banks open on Saturday in Sauk Rapids
Short answer: 1 of the 4 Sauk Rapids locations with published hours opens on Saturday, run by 1 institution.
- Wells Fargo: 1 of 1 branch (115 1st St S: Saturday 9 am to 2 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 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 Sauk Rapids, and where the nearest one is if they do not.
Short answer: In Sauk Rapids: Wells Fargo (1), U.S. Bank (1). No branches in Sauk Rapids: Chase (nearest in Saint Cloud, 2 mi), Bank of America (nearest in Coon Rapids, 48 mi), PNC Bank, Truist, Fifth Third Bank, Huntington (nearest in Saint Cloud, 3 mi), Regions Bank, TD Bank, BMO (nearest in Little Falls, 28 mi).
| Bank | In Sauk Rapids | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| U.S. Bank | 1 branch | here |
| Chase | None | Saint Cloud, 2 miles away |
| Bank of America | None | Coon Rapids, 48 miles away |
| PNC Bank | None | none in Minnesota |
| Truist | None | none in Minnesota |
| Fifth Third Bank | None | none in Minnesota |
| Huntington | None | Saint Cloud, 3 miles away |
| Regions Bank | None | none in Minnesota |
| TD Bank | None | none in Minnesota |
| BMO | None | Little Falls, 28 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Sauk Rapids 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 Sauk Rapids residents like anyone else.
Banks near Sauk Rapids
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Sartell (3 miles) and Saint Cloud (3 miles). Saint Cloud, 3 miles away, has the most banks nearby: 15.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Sartell, MN | 3 mi | 6 | 6 |
| Banks in Saint Cloud, MN | 3 mi | 15 | 21 |
| Banks in Waite Park, MN | 4 mi | 3 | 3 |
| Banks in Rice, MN | 11 mi | 2 | 2 |
| Banks in Foley, MN | 13 mi | 2 | 3 |
| Banks in Clearwater, MN | 13 mi | 2 | 2 |
| Banks in Cold Spring, MN | 16 mi | 2 | 2 |
| Banks in Holdingford, MN | 18 mi | 2 | 2 |
Bank branch openings and closings in Sauk Rapids
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Sauk Rapids between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Sauk Rapids by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Sauk Rapids offices.
Short answer: Wells Fargo is the largest bank with offices in Sauk Rapids, with $1.91 trillion in total assets on June 30, 2026, No. 4 among U.S. banks by total assets. U.S. Bank is second with $705.55 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
| Gate City Bank | $4.04 billion | No. 331 | 1 | Fargo, ND |
| Farmers and Merchants State Bank of Pierz | $336.2 million | No. 2,319 | 1 | Pierz, 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 Sauk Rapids: FAQ
How many banks are in Sauk Rapids, MN?
Sauk Rapids has 4 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 Sauk Rapids?
Wells Fargo, with 1. U.S. Bank has 1 and Gate City Bank has 1.
Is there a Wells Fargo in Sauk Rapids, MN?
Yes. FDIC data lists 1 Wells Fargo branch in Sauk Rapids as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a U.S. Bank in Sauk Rapids, MN?
Yes. FDIC data lists 1 U.S. Bank branch in Sauk Rapids as of September 5, 2026. The address and directions are under U.S. Bank above.
Is there a Gate City Bank in Sauk Rapids, MN?
Yes. FDIC data lists 1 Gate City Bank branch in Sauk Rapids as of September 5, 2026. The address and directions are under Gate City Bank above.
Is there a Chase in Sauk Rapids, MN?
No. FDIC data lists no Chase branch in Sauk Rapids as of September 5, 2026. The nearest is in Saint Cloud, about 2 miles away in a straight line.
Which banks in Sauk Rapids are open on Saturday?
Wells Fargo publishes Saturday hours for one or more Sauk Rapids locations. The Saturday section above lists each one with its hours. 2 of the 6 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Sauk Rapids?
U.S. Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1863.
Which credit unions can I join in Sauk Rapids?
Credit Union 1 and St. Cloud Financial Credit Union have offices in Sauk Rapids. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Sauk Rapids 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 Sauk Rapids?
Nearby cities with more banks include Sartell, Saint Cloud, Waite Park. Sartell is 3 miles away with 6 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 |
| Bank branch hours, phones and branch pages (2 of 4 branches: U.S. Bank, Wells Fargo) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 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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