Banks in Vandalia, MO

Bank branch map: Vandalia

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 Vandalia, 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 Vandalia

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

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

Central Bank The Central Trust Bank · 1 branch · main office Jefferson City, MO Bank · 1

Central Bank has 1 branch in Vandalia, 125 across Missouri and 177 nationwide. FDIC records list its main office in Jefferson City, MO and show it operating since 1902. With $20.31 billion in total assets on June 30, 2026, it ranks No. 105 of 4,232 U.S. banks by total assets. The Vandalia Branch at 1000 W Us Highway 54 dates to 1982 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Vandalia Branch

  1000 W Us Highway 54, 63382

  Hours: see the bank's site
  DirectionsWebsite

Central Bank: profile, branches and contacts

United Credit Union 1 office · main office Mexico, MO Credit union · 1

United Credit Union has 1 office in Vandalia, 8 across Missouri. It is based in Mexico, MO and $303.7 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.

• Vandalia Branch

  210 W Washington St, 63382

  (573) 594-6103Today: hours not published

  All hours

  Mon to Thu not published; Fri 8:30 am to 5 pm; Sat 9 am to 6 pm; Sun not published

  Hours: NCUA, March 31, 2026

  Directions

United Credit Union: profile, branches and contacts

Join a credit union in Vandalia

1 credit union has 1 office here: United 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 Vandalia page has every office in the state's directory.

Banking in Vandalia: the local picture

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

Central Bank has its main office in Jefferson City, MO, according to the FDIC.

The bank with the longest record here is Central Bank, operating since 1902 according to the FDIC.

The only credit union with an office here is United 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 Vandalia

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

• United Credit Union: 1 of 1 office (210 W Washington St: Saturday 9 am to 6 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 Vandalia, and where the nearest one is if they do not.

Short answer: No branches in Vandalia: Chase (nearest in Wentzville, 47 mi), Wells Fargo (nearest in Saint Louis, 83 mi), Bank of America (nearest in Wentzville, 48 mi), PNC Bank (nearest in Warrenton, 39 mi), U.S. Bank (nearest in Hannibal, 29 mi), Truist, Fifth Third Bank, Huntington (nearest in Saint Louis, 77 mi), Regions Bank (nearest in Wentzville, 47 mi), TD Bank, BMO (nearest in O Fallon, 55 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Vandalia to the nearest branch in Missouri.

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 Vandalia residents like anyone else.

Banks near Vandalia

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Bowling Green (16 miles) and Montgomery City (23 miles). Hannibal, 29 miles away, has the most banks nearby: 7.

Bank branch openings and closings in Vandalia

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

Short answer: FDIC branch records show no bank branch openings in Vandalia between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Vandalia by total assets

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

Short answer: Central Bank is the largest bank with offices in Vandalia, with $20.31 billion in total assets on June 30, 2026, No. 105 among U.S. banks by total assets. 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 Vandalia: FAQ

How we build this page

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