US Bank Directory
Banks in St. Paul, NE
3 FDIC-insured banks operate 3 offices in St. Paul, Nebraska, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: St. Paul
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 St. Paul, according to the FDIC and the NCUA. 4 of them have coordinates on record and are on the map. 1 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 St. Paul
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Heritage Bank, Homestead Bank and Citizens Bank have the most locations in St. Paul, 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.
Archer Cooperative Credit Union Credit union · 1
Archer Cooperative Credit Union has 1 office in St. Paul, 4 across Nebraska. It is based in Archer, NE and $102.1 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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Saint Paul1016 2Nd St, 68873
All hours
Mon to Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Citizens Bank Bank · 1
Citizens Bank has 1 branch in St. Paul, 3 across Nebraska and 3 nationwide. FDIC records list its main office in Saint Paul, NE and show it operating since 1888. With $242.3 million in total assets on June 30, 2026, it ranks No. 2,768 of 4,232 U.S. banks by total assets. Its main office at 721 7th St dates to 1888 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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Main Office main office721 7th St, 68873
Heritage Bank Bank · 1
Heritage Bank has 1 branch in St. Paul, 20 across Nebraska and 20 nationwide. FDIC records list its main office in Wood River, NE and show it operating since 1884. With $611.6 million in total assets on June 30, 2026, it ranks No. 1,545 of 4,232 U.S. banks by total assets. The St. Paul Branch at 821 2nd St dates to 1996 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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St. Paul Branch821 2nd St, 68873
Homestead Bank Bank · 1
Homestead Bank has 1 branch in St. Paul, 11 across Nebraska and 10 nationwide. FDIC records list its main office in Cozad, NE and show it operating since 1905. With $537.0 million in total assets on June 30, 2026, it ranks No. 1,708 of 4,232 U.S. banks by total assets. The St Paul Branch at 619 Grand St dates to 1879 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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St Paul Branch619 Grand St, 68873
Join a credit union in St. Paul
1 credit union has 1 office here: Archer Cooperative 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 St. Paul page has every office in the state's directory.
Banking in St. Paul: the local picture
Short answer: 3 banks run 3 branches in St. Paul 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 St. Paul, 2 elsewhere in Nebraska, according to the FDIC.
The bank with the longest record here is Heritage Bank, operating since 1884 according to the FDIC. In FDIC branch records, the longest-running branch is Homestead Bank's office at 619 Grand St, dating to 1879; the newest is Heritage Bank's at 821 2nd St, from 1996.
The only credit union with an office here is Archer Cooperative Credit Union.
Of the 1 location with published hours. None open on Saturday. 3 locations have no published hours in these sources.
Saturday hours in St. Paul
Short answer: None of the 1 St. Paul location 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 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 St. Paul, and where the nearest one is if they do not.
Short answer: No branches in St. Paul: Chase (nearest in Lincoln, 96 mi), Wells Fargo (nearest in Grand Island, 20 mi), Bank of America (nearest in Omaha, 121 mi), PNC Bank, U.S. Bank (nearest in Grand Island, 19 mi), Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO (nearest in Grand Island, 19 mi).
| Bank | In St. Paul | Nearest branch if none here |
|---|---|---|
| Chase | None | Lincoln, 96 miles away |
| Wells Fargo | None | Grand Island, 20 miles away |
| Bank of America | None | Omaha, 121 miles away |
| PNC Bank | None | none in Nebraska |
| U.S. Bank | None | Grand Island, 19 miles away |
| Truist | None | none in Nebraska |
| Fifth Third Bank | None | none in Nebraska |
| Huntington | None | none in Nebraska |
| Regions Bank | None | none in Nebraska |
| TD Bank | None | none in Nebraska |
| BMO | None | Grand Island, 19 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of St. Paul to the nearest branch in Nebraska.
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 St. Paul residents like anyone else.
Banks near St. Paul
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Cairo (17 miles) and Grand Island (20 miles). Grand Island, 20 miles away, has the most banks nearby: 17.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Cairo, NE | 17 mi | 2 | 2 |
| Banks in Grand Island, NE | 20 mi | 17 | 30 |
| Banks in Greeley, NE | 23 mi | 2 | 2 |
| Banks in Central City, NE | 25 mi | 3 | 3 |
| Banks in Loup City, NE | 27 mi | 2 | 2 |
| Banks in Fullerton, NE | 27 mi | 2 | 2 |
| Banks in Spalding, NE | 33 mi | 2 | 3 |
| Banks in Aurora, NE | 34 mi | 4 | 7 |
Bank branch openings and closings in St. Paul
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in St. Paul 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 St. Paul
Short answer: 1 institution has its main office in St. Paul: Citizens Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Citizens Bank | Bank | $242.3 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in St. Paul by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its St. Paul offices.
Short answer: Heritage Bank is the largest bank with offices in St. Paul, with $611.6 million in total assets on June 30, 2026, No. 1,545 among U.S. banks by total assets. Homestead Bank is second with $537.0 million. 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 |
|---|---|---|---|---|
| Heritage Bank | $611.6 million | No. 1,545 | 1 | Wood River, NE |
| Homestead Bank | $537.0 million | No. 1,708 | 1 | Cozad, NE |
| Citizens Bank | $242.3 million | No. 2,768 | 1 | Saint Paul, NE |
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 St. Paul: FAQ
How many banks are in St. Paul, NE?
St. Paul has 3 banks with 3 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in St. Paul?
Heritage Bank, with 1. Homestead Bank has 1 and Citizens Bank has 1.
Is there a Heritage Bank in St. Paul, NE?
Yes. FDIC data lists 1 Heritage Bank branch in St. Paul as of September 5, 2026. The address and directions are under Heritage Bank above.
Is there a Homestead Bank in St. Paul, NE?
Yes. FDIC data lists 1 Homestead Bank branch in St. Paul as of September 5, 2026. The address and directions are under Homestead Bank above.
Is there a Citizens Bank in St. Paul, NE?
Yes. FDIC data lists 1 Citizens Bank branch in St. Paul as of September 5, 2026, the main office at 721 7th St. The address and directions are under Citizens Bank above.
Is there a Chase in St. Paul, NE?
No. FDIC data lists no Chase branch in St. Paul as of September 5, 2026. The nearest is in Lincoln, about 96 miles away in a straight line.
Which banks in St. Paul are open on Saturday?
None of the 1 location with published hours lists Saturday hours. 3 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in St. Paul?
Citizens Bank has its main office in St. Paul, according to the FDIC.
What is the oldest bank in St. Paul?
Heritage Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1884.
Which credit unions can I join in St. Paul?
Archer Cooperative Credit Union has an office in St. Paul. Check each credit union's membership rules before you apply.
Did any bank branches open or close in St. Paul 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 St. Paul?
Nearby cities with more banks include Cairo, Grand Island, Greeley. Cairo is 17 miles away with 2 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 1 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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