US Bank Directory
Banks in Waite Park, MN
3 FDIC-insured banks operate 3 offices in Waite Park, 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: Waite Park
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: 5 banks and credit unions operate 5 locations in Waite Park, according to the FDIC and the NCUA. 5 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
5 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 Waite Park
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Gate City Bank, Deerwood Bank and Liberty Bank Minnesota have the most locations in Waite Park, with 1 each. 3 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 Waite Park, 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.
-
Waite Park206 1St St S, 56387
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Deerwood Bank Bank · 1
Deerwood Bank has 1 branch in Waite Park, 14 across Minnesota and 14 nationwide. FDIC records list its main office in Waite Park, MN and show it operating since 1910. With $1.52 billion in total assets on June 30, 2026, it ranks No. 737 of 4,232 U.S. banks by total assets. Its main office at 131 6th Ave S dates to 1910 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Main Office main office131 6th Ave S, 56387
Gate City Bank Bank · 1
Gate City Bank has 1 branch in Waite Park, 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 Waite Park Branch at 113 Waite Ave 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.
-
Waite Park Branch113 Waite Ave S, 56387
Liberty Bank Minnesota Bank · 1
Liberty Bank Minnesota has 1 branch in Waite Park, 6 across Minnesota and 6 nationwide. FDIC records list its main office in Saint Cloud, MN and show it operating since 1987. With $290.2 million in total assets on June 30, 2026, it ranks No. 2,534 of 4,232 U.S. banks by total assets. The Waite Park Branch at 818 2nd St S dates to 2003 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Waite Park Branch818 2nd St S, 56387
Magnifi Financial Credit Union Credit union · 1
Magnifi Financial Credit Union has 1 office in Waite Park, 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. Its published hours do not list Saturday.
Who can join: see the credit union's site.
-
Waite Park608 2Nd St S, 56387
All hours
Mon to Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Waite Park
2 credit unions have 2 offices here: Magnifi Financial Credit Union and Credit Union 1. 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 Waite Park page has every office in the state's directory.
Banking in Waite Park: the local picture
Short answer: 3 banks run 3 branches in Waite Park 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 3 banks, 1 has its main office in Waite Park, 1 elsewhere in Minnesota and 1 out of state, according to the FDIC.
The bank with the longest record here is Deerwood Bank, operating since 1910 according to the FDIC. In FDIC branch records, the longest-running branch is Deerwood Bank's office at 131 6th Ave S, dating to 1910; the newest is Gate City Bank's at 113 Waite Ave S, from 2020.
2 credit unions have 2 offices in Waite Park, 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. 3 locations have no published hours in these sources.
Saturday hours in Waite Park
Short answer: None of the 2 Waite Park locations with published hours lists Saturday hours. 3 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; 3 of the 5 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 Waite Park, and where the nearest one is if they do not.
Short answer: No branches in Waite Park: Chase (nearest in Saint Cloud, 3 mi), Wells Fargo (nearest in St. Cloud, 1 mi), Bank of America (nearest in Coon Rapids, 49 mi), PNC Bank, U.S. Bank (nearest in Saint Cloud, 1 mi), Truist, Fifth Third Bank, Huntington (nearest in Saint Cloud, 2 mi), Regions Bank, TD Bank, BMO (nearest in Paynesville, 27 mi).
| Bank | In Waite Park | Nearest branch if none here |
|---|---|---|
| Chase | None | Saint Cloud, 3 miles away |
| Wells Fargo | None | St. Cloud, 1 mile away |
| Bank of America | None | Coon Rapids, 49 miles away |
| PNC Bank | None | none in Minnesota |
| U.S. Bank | None | Saint Cloud, 1 mile away |
| Truist | None | none in Minnesota |
| Fifth Third Bank | None | none in Minnesota |
| Huntington | None | Saint Cloud, 2 miles away |
| Regions Bank | None | none in Minnesota |
| TD Bank | None | none in Minnesota |
| BMO | None | Paynesville, 27 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Waite Park 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 Waite Park residents like anyone else.
Banks near Waite Park
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Saint Cloud (2 miles) and Sartell (4 miles). Saint Cloud, 2 miles away, has the most banks nearby: 15.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Saint Cloud, MN | 2 mi | 15 | 21 |
| Banks in Sartell, MN | 4 mi | 6 | 6 |
| Banks in Sauk Rapids, MN | 4 mi | 4 | 4 |
| Banks in Cold Spring, MN | 12 mi | 2 | 2 |
| Banks in Clearwater, MN | 12 mi | 2 | 2 |
| Banks in Rice, MN | 14 mi | 2 | 2 |
| Banks in Foley, MN | 17 mi | 2 | 3 |
| Banks in Holdingford, MN | 17 mi | 2 | 2 |
Bank branch openings and closings in Waite Park
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Waite Park 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 Waite Park
Short answer: 1 institution has its main office in Waite Park: Deerwood Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Deerwood Bank | Bank | $1.52 billion | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Waite Park by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Waite Park offices.
Short answer: Gate City Bank is the largest bank with offices in Waite Park, with $4.04 billion in total assets on June 30, 2026, No. 331 among U.S. banks by total assets. Deerwood Bank is second with $1.52 billion. 1 of the 3 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 |
|---|---|---|---|---|
| Gate City Bank | $4.04 billion | No. 331 | 1 | Fargo, ND |
| Deerwood Bank | $1.52 billion | No. 737 | 1 | Waite Park, MN |
| Liberty Bank Minnesota | $290.2 million | No. 2,534 | 1 | Saint Cloud, 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 Waite Park: FAQ
How many banks are in Waite Park, MN?
Waite Park has 3 banks with 3 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 Waite Park?
Gate City Bank, with 1. Deerwood Bank has 1 and Liberty Bank Minnesota has 1.
Is there a Gate City Bank in Waite Park, MN?
Yes. FDIC data lists 1 Gate City Bank branch in Waite Park as of September 5, 2026. The address and directions are under Gate City Bank above.
Is there a Deerwood Bank in Waite Park, MN?
Yes. FDIC data lists 1 Deerwood Bank branch in Waite Park as of September 5, 2026, the main office at 131 6th Ave S. The address and directions are under Deerwood Bank above.
Is there a Liberty Bank Minnesota in Waite Park, MN?
Yes. FDIC data lists 1 Liberty Bank Minnesota branch in Waite Park as of September 5, 2026. The address and directions are under Liberty Bank Minnesota above.
Is there a Chase in Waite Park, MN?
No. FDIC data lists no Chase branch in Waite Park as of September 5, 2026. The nearest is in Saint Cloud, about 3 miles away in a straight line.
Which banks in Waite Park are open on Saturday?
None of the 2 locations with published hours lists Saturday hours. 3 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Waite Park?
Deerwood Bank has its main office in Waite Park, according to the FDIC.
What is the oldest bank in Waite Park?
Deerwood Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1910.
Which credit unions can I join in Waite Park?
Magnifi Financial Credit Union and Credit Union 1 have offices in Waite Park. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Waite Park 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 Waite Park?
Nearby cities with more banks include Saint Cloud, Sartell, Sauk Rapids. Saint Cloud is 2 miles away with 15 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 |
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