US Bank Directory
Banks in Vadnais Heights, MN
2 FDIC-insured banks operate 2 offices in Vadnais Heights, 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: Vadnais Heights
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 4 locations in Vadnais Heights, according to the FDIC and the NCUA. 4 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
4 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 Vadnais Heights
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Frandsen Bank & Trust and Farmers & Merchants Savings Bank have the most locations in Vadnais Heights, 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.
Blaze Credit Union Credit union · 1
Blaze Credit Union has 1 office in Vadnais Heights, 30 across Minnesota. It is based in Falcon Heights, MN and $4.82 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.
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Vadnais Heights940 County Road E E, 55127
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Farmers & Merchants Savings Bank Bank · 1
Farmers & Merchants Savings Bank has 1 branch in Vadnais Heights, 2 across Minnesota and 7 nationwide. FDIC records list its main office in Manchester, IA and show it operating since 1925. With $616.8 million in total assets on June 30, 2026, it ranks No. 1,537 of 4,232 U.S. banks by total assets. The Vadnais Heights Branch at 845 East County Road 32 dates to 1998 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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Vadnais Heights Branch845 East County Road 32, 55127
Frandsen Bank & Trust Bank · 1
Frandsen Bank & Trust has 1 branch in Vadnais Heights, 34 across Minnesota and 40 nationwide. FDIC records list its main office in Lonsdale, MN and show it operating since 1901. With $3.66 billion in total assets on June 30, 2026, it ranks No. 359 of 4,232 U.S. banks by total assets. The Vadnais Heights Branch at 3585 Highway 61 N dates to 2007 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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Vadnais Heights Branch3585 Highway 61 N, 55110
Minnco Credit Union Credit union · 1
Minnco Credit Union has 1 office in Vadnais Heights, 8 across Minnesota. It is based in Cambridge, MN and $612.4 million 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.
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Vadnais Heights3625 Talmage Cir, 55110
All hours
Mon to Fri 8:30 am to 5 pm; Sat 8:30 am to 12:30 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Vadnais Heights
2 credit unions have 2 offices here: Blaze Credit Union and Minnco 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 Vadnais Heights page has every office in the state's directory.
Banking in Vadnais Heights: the local picture
Short answer: 2 banks run 2 branches in Vadnais Heights 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, 0 have their main office in Vadnais Heights, 1 elsewhere in Minnesota and 1 out of state, according to the FDIC.
The bank with the longest record here is Frandsen Bank & Trust, operating since 1901 according to the FDIC. In FDIC branch records, the longest-running branch is Farmers & Merchants Savings Bank's office at 845 East County Road 32, dating to 1998; the newest is Frandsen Bank & Trust's at 3585 Highway 61 N, from 2007.
2 credit unions have 2 offices in Vadnais Heights, according to the NCUA. Who can join each one is on the credit unions page.
Of the 2 locations with published hours. 2 open on Saturday. 2 locations have no published hours in these sources.
Banks by ZIP code in Vadnais Heights
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 55110 has the most bank and credit union offices in Vadnais Heights (2), followed by 55127 (2). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 55110 | 2 | 2 | Frandsen Bank & Trust, Minnco Credit Union |
| 55127 | 2 | 2 | Blaze Credit Union, Farmers & Merchants Savings Bank |
Credit unions open on Saturday in Vadnais Heights
Short answer: 2 of the 2 Vadnais Heights locations with published hours open on Saturday, run by 2 institutions.
- Blaze Credit Union: 1 of 1 office (940 County Road E E: Saturday 9 am to 12 pm)
- Minnco Credit Union: 1 of 1 office (3625 Talmage Cir: Saturday 8:30 am to 12:30 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 4 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 Vadnais Heights, and where the nearest one is if they do not.
Short answer: No branches in Vadnais Heights: Chase (nearest in Saint Paul, 4 mi), Wells Fargo (nearest in White Bear Lake, 2 mi), Bank of America (nearest in Maplewood, 3 mi), PNC Bank, U.S. Bank (nearest in White Bear Lake, 3 mi), Truist, Fifth Third Bank, Huntington (nearest in White Bear Lake, 3 mi), Regions Bank, TD Bank, BMO (nearest in Roseville, 7 mi).
| Bank | In Vadnais Heights | Nearest branch if none here |
|---|---|---|
| Chase | None | Saint Paul, 4 miles away |
| Wells Fargo | None | White Bear Lake, 2 miles away |
| Bank of America | None | Maplewood, 3 miles away |
| PNC Bank | None | none in Minnesota |
| U.S. Bank | None | White Bear Lake, 3 miles away |
| Truist | None | none in Minnesota |
| Fifth Third Bank | None | none in Minnesota |
| Huntington | None | White Bear Lake, 3 miles away |
| Regions Bank | None | none in Minnesota |
| TD Bank | None | none in Minnesota |
| BMO | None | Roseville, 7 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Vadnais Heights 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 Vadnais Heights residents like anyone else.
Banks near Vadnais Heights
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are White Bear Lake (2 miles) and North Oaks (3 miles). Roseville, 7 miles away, has the most banks nearby: 15.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in White Bear Lake, MN | 2 mi | 9 | 10 |
| Banks in North Oaks, MN | 3 mi | 2 | 2 |
| Banks in Maplewood, MN | 3 mi | 5 | 5 |
| Banks in Shoreview, MN | 4 mi | 4 | 4 |
| Banks in Arden Hills, MN | 5 mi | 3 | 3 |
| Banks in Roseville, MN | 7 mi | 15 | 17 |
| Banks in Hugo, MN | 7 mi | 2 | 2 |
| Banks in New Brighton, MN | 8 mi | 2 | 2 |
Bank branch openings and closings in Vadnais Heights
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Vadnais Heights between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Vadnais Heights by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Vadnais Heights offices.
Short answer: Frandsen Bank & Trust is the largest bank with offices in Vadnais Heights, with $3.66 billion in total assets on June 30, 2026, No. 359 among U.S. banks by total assets. Farmers & Merchants Savings Bank is second with $616.8 million. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Frandsen Bank & Trust | $3.66 billion | No. 359 | 1 | Lonsdale, MN |
| Farmers & Merchants Savings Bank | $616.8 million | No. 1,537 | 1 | Manchester, IA |
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 Vadnais Heights: FAQ
How many banks are in Vadnais Heights, MN?
Vadnais Heights has 2 banks with 2 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 Vadnais Heights?
Frandsen Bank & Trust, with 1. Farmers & Merchants Savings Bank has 1.
Is there a Frandsen Bank & Trust in Vadnais Heights, MN?
Yes. FDIC data lists 1 Frandsen Bank & Trust branch in Vadnais Heights as of September 5, 2026. The address and directions are under Frandsen Bank & Trust above.
Is there a Farmers & Merchants Savings Bank in Vadnais Heights, MN?
Yes. FDIC data lists 1 Farmers & Merchants Savings Bank branch in Vadnais Heights as of September 5, 2026. The address and directions are under Farmers & Merchants Savings Bank above.
Is there a Chase in Vadnais Heights, MN?
No. FDIC data lists no Chase branch in Vadnais Heights as of September 5, 2026. The nearest is in Saint Paul, about 4 miles away in a straight line.
Which banks in Vadnais Heights are open on Saturday?
Blaze Credit Union and Minnco Credit Union publish Saturday hours for one or more Vadnais Heights locations. The Saturday section above lists each one with its hours. 2 of the 4 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Vadnais Heights?
Frandsen Bank & Trust has the longest record among banks with a branch here: the FDIC shows it operating since 1901.
Which credit unions can I join in Vadnais Heights?
Blaze Credit Union and Minnco Credit Union have offices in Vadnais Heights. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Vadnais Heights 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 Vadnais Heights?
Nearby cities with more banks include White Bear Lake, North Oaks, Maplewood. White Bear Lake is 2 miles away with 9 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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