US Bank Directory
Banks in Spooner, WI
4 FDIC-insured banks operate 4 offices in Spooner, Wisconsin, and 1 credit union has 1 office.
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: Spooner
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 Spooner, 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 Spooner
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 Spooner, 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.
BMO Bank · 1
BMO has 1 branch in Spooner, 145 across Wisconsin and 988 nationwide. FDIC records list its main office in Chicago, IL and show it operating since 1947. With $254.97 billion in total assets on June 30, 2026, it ranks No. 16 of 4,232 U.S. banks by total assets. The Spooner Main Branch at 118 Elm St dates to 1903 in FDIC branch records. Its published hours do not list Saturday.
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Spooner Main Branch118 Elm St, 54801
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: BMO branch locator (All The Places), checked Oct 10, 2026
CCFBank Bank · 1
CCFBank has 1 branch in Spooner, 16 across Wisconsin and 22 nationwide. FDIC records list its main office in Altoona, WI and show it operating since 2001. With $1.81 billion in total assets on June 30, 2026, it ranks No. 647 of 4,232 U.S. banks by total assets. The Spooner Branch at 322 N River St dates to 2008 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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Spooner Branch322 N River St, 54801
Indianhead Credit Union Credit union · 1
Indianhead Credit Union has 1 office in Spooner, 3 across Wisconsin. It is based in Spooner, WI and $98.8 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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Main Office main office104 E Maple St, 54801
All hours
Mon to Fri 8 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Johnson Bank Bank · 1
Johnson Bank has 1 branch in Spooner, 32 across Wisconsin and 32 nationwide. FDIC records list its main office in Racine, WI and show it operating since 1970. With $7.07 billion in total assets on June 30, 2026, it ranks No. 219 of 4,232 U.S. banks by total assets. The Spooner Branch 15000 at 526 N River St dates to 2000 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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Spooner Branch 15000526 N River St, 54801
Shell Lake State Bank Bank · 1
Shell Lake State Bank has 1 branch in Spooner, 5 across Wisconsin and 5 nationwide. FDIC records list its main office in Shell Lake, WI and show it operating since 1916. With $361.8 million in total assets on June 30, 2026, it ranks No. 2,204 of 4,232 U.S. banks by total assets. The Spooner Branch at 219 N River St dates to 1990 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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Spooner Branch219 N River St, 54801
Join a credit union in Spooner
1 credit union has 1 office here: Indianhead 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 Spooner page has every office in the state's directory.
Banking in Spooner: the local picture
Short answer: 4 banks run 4 branches in Spooner 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 Spooner, 3 elsewhere in Wisconsin and 1 out of state, according to the FDIC.
The bank with the longest record here is Shell Lake State Bank, operating since 1916 according to the FDIC. In FDIC branch records, the longest-running branch is BMO's office at 118 Elm St, dating to 1903; the newest is CCFBank's at 322 N River St, from 2008.
The only credit union with an office here is Indianhead Credit Union.
Of the 2 locations with published hours. 1 opens on Saturday. 3 locations have no published hours in these sources.
Credit unions open on Saturday in Spooner
Short answer: 1 of the 2 Spooner locations with published hours opens on Saturday, run by 1 institution.
- Indianhead Credit Union: 1 of 1 office (104 E Maple St: Saturday 9 am to 12 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; 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 Spooner, and where the nearest one is if they do not.
Short answer: In Spooner: BMO (1). No branches in Spooner: Chase (nearest in Hudson, 72 mi), Wells Fargo (nearest in Eau Claire, 71 mi), Bank of America, PNC Bank (nearest in West Bend, 248 mi), U.S. Bank (nearest in Cumberland, 21 mi), Truist, Fifth Third Bank, Huntington (nearest in Milwaukee, 266 mi), Regions Bank, TD Bank.
| Bank | In Spooner | Nearest branch if none here |
|---|---|---|
| BMO | 1 branch | here |
| Chase | None | Hudson, 72 miles away |
| Wells Fargo | None | Eau Claire, 71 miles away |
| Bank of America | None | none in Wisconsin |
| PNC Bank | None | West Bend, 248 miles away |
| U.S. Bank | None | Cumberland, 21 miles away |
| Truist | None | none in Wisconsin |
| Fifth Third Bank | None | none in Wisconsin |
| Huntington | None | Milwaukee, 266 miles away |
| Regions Bank | None | none in Wisconsin |
| TD Bank | None | none in Wisconsin |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Spooner to the nearest branch in Wisconsin.
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 Spooner residents like anyone else.
Banks near Spooner
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Cumberland (21 miles) and Rice Lake (24 miles). Rice Lake, 24 miles away, has the most banks nearby: 5.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Cumberland, WI | 21 mi | 3 | 3 |
| Banks in Rice Lake, WI | 24 mi | 5 | 5 |
| Banks in Siren, WI | 24 mi | 2 | 2 |
| Banks in Hayward, WI | 25 mi | 5 | 5 |
| Banks in Barron, WI | 29 mi | 2 | 2 |
| Banks in Luck, WI | 34 mi | 2 | 2 |
| Banks in Chetek, WI | 37 mi | 2 | 2 |
| Banks in Amery, WI | 43 mi | 2 | 2 |
Bank branch openings and closings in Spooner
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Spooner 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 Spooner
Short answer: 1 institution has its main office in Spooner: Indianhead Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Indianhead Credit Union | Credit union | $98.8 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Spooner by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Spooner offices.
Short answer: BMO is the largest bank with offices in Spooner, with $254.97 billion in total assets on June 30, 2026, No. 16 among U.S. banks by total assets. Johnson Bank is second with $7.07 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| BMO | $254.97 billion | No. 16 | 1 | Chicago, IL |
| Johnson Bank | $7.07 billion | No. 219 | 1 | Racine, WI |
| CCFBank | $1.81 billion | No. 647 | 1 | Altoona, WI |
| Shell Lake State Bank | $361.8 million | No. 2,204 | 1 | Shell Lake, WI |
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 Spooner: FAQ
How many banks are in Spooner, WI?
Spooner has 4 banks with 4 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 Spooner?
BMO, with 1. Johnson Bank has 1 and CCFBank has 1.
Is there a BMO in Spooner, WI?
Yes. FDIC data lists 1 BMO branch in Spooner as of September 5, 2026. The address and directions are under BMO above.
Is there a Johnson Bank in Spooner, WI?
Yes. FDIC data lists 1 Johnson Bank branch in Spooner as of September 5, 2026. The address and directions are under Johnson Bank above.
Is there a CCFBank in Spooner, WI?
Yes. FDIC data lists 1 CCFBank branch in Spooner as of September 5, 2026. The address and directions are under CCFBank above.
Is there a Chase in Spooner, WI?
No. FDIC data lists no Chase branch in Spooner as of September 5, 2026. The nearest is in Hudson, about 72 miles away in a straight line.
Which banks in Spooner are open on Saturday?
Indianhead Credit Union publishes Saturday hours for one or more Spooner locations. The Saturday section above lists each one with its hours. 3 of the 5 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Spooner?
Indianhead Credit Union has its main office in Spooner, according to the FDIC and the NCUA.
What is the oldest bank in Spooner?
Shell Lake State Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1916.
Which credit unions can I join in Spooner?
Indianhead Credit Union has an office in Spooner. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Spooner 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 Spooner?
Nearby cities with more banks include Cumberland, Rice Lake, Siren. Cumberland is 21 miles away with 3 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 |
| Bank branch hours, phones and branch pages (1 of 4 branches: BMO) | 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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