US Bank Directory
Banks in Muscle Shoals, AL
6 FDIC-insured banks operate 8 offices in Muscle Shoals, Alabama, and 6 credit unions have 8 offices.
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: Muscle Shoals
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: 12 banks and credit unions operate 16 locations in Muscle Shoals, according to the FDIC and the NCUA. 13 of them have coordinates on record and are on the map. 9 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
13 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 Muscle Shoals
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Bank Independent and First Metro Bank have the most locations in Muscle Shoals, with 2 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.
Bank Independent Bank · 2
Bank Independent has 2 branches in Muscle Shoals, 34 across Alabama and 34 nationwide. FDIC records list its main office in Sheffield, AL and show it operating since 1947. With $2.86 billion in total assets on June 30, 2026, it ranks No. 449 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Muscle Shoals location is the Muscle Shoals Branch at 1109 Avalon Ave, dating to 2002; the newest, at 530 Reservation Rd, to 2018. It does not publish hours in the sources this page uses; check its site before you go.
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Muscle Shoals Branch1109 Avalon Ave, 35661
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Digital Sales Office Branch530 Reservation Rd, 35661
First Metro Bank Bank · 2
First Metro Bank has 2 branches in Muscle Shoals, 11 across Alabama and 11 nationwide. FDIC records list its main office in Muscle Shoals, AL and show it operating since 1988. With $1.01 billion in total assets on June 30, 2026, it ranks No. 1,036 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Muscle Shoals location is its main office at 406 Avalon Ave, dating to 1988; the newest, at 2402 Avalon Ave, to 2019. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office406 Avalon Ave, 35661
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Avalon Branch2402 Avalon Ave, 35661
Listerhill Credit Union Credit union · 2
Listerhill Credit Union has 2 officees in Muscle Shoals, 16 across Alabama. It is based in Sheffield, AL and $1.46 billion in assets on March 31, 2026, according to its NCUA call report. All 2 of its Muscle Shoals locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office4790 2Nd St, 35661
All hours
Mon to Fri 8 am to 4:30 pm; Sat 8:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
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Muscle Shoals Flagship1812 Woodward Ave, 35661
All hours
Mon to Fri 9 am to 5 pm; Sat 8:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Tva Community Credit Union Credit union · 2
Tva Community Credit Union has 2 officees in Muscle Shoals, 10 across Alabama. It is based in Muscle Shoals, AL and $424.4 million in assets on March 31, 2026, according to its NCUA call report. None of its 2 Muscle Shoals locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Main Office main office1405 S Wilson Dam Rd, 35661
All hours
Mon to Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Reservation Branch1010 Reservation Road, 35661
All hours
Mon to Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Alabama Central Credit Union Credit union · 1
Alabama Central Credit Union has 1 office in Muscle Shoals, 9 across Alabama. It is based in Birmingham, AL and $216.4 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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Muscle Shoals743 Avalon Ave, 35661
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
CB&S Bank Bank · 1
CB&S Bank has 1 branch in Muscle Shoals, 28 across Alabama and 58 nationwide. FDIC records list its main office in Russellville, AL and show it operating since 1906. With $3.07 billion in total assets on June 30, 2026, it ranks No. 417 of 4,232 U.S. banks by total assets. The Muscle Shoals Branch at 2000 Avalon Ave dates to 1999 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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Muscle Shoals Branch2000 Avalon Ave, 35661
Family Security Credit Union Credit union · 1
Family Security Credit Union has 1 office in Muscle Shoals, 25 across Alabama. It is based in Decatur, AL and $1.08 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.
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Muscle Shoals2015 Avalon Ave, 35661
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
First Southern Bank Bank · 1
First Southern Bank has 1 branch in Muscle Shoals, 6 across Alabama and 10 nationwide. FDIC records list its main office in Florence, AL and show it operating since 1934. With $679.2 million in total assets on June 30, 2026, it ranks No. 1,408 of 4,232 U.S. banks by total assets. The Muscle Shoals Branch at 1027 Avalon Ave 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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Muscle Shoals Branch1027 Avalon Ave, 35661
PNC Bank Bank · 1
PNC Bank has 1 branch in Muscle Shoals, 93 across Alabama and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. The Muscle Shoals Branch at 606 Avalon Ave dates to 1962 in FDIC branch records. It opens on Saturday.
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Muscle Shoals Branch606 Avalon Ave, 35661
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
Railway Employees Credit Union Credit union · 1
Railway Employees Credit Union has 1 office in Muscle Shoals, 1 across Alabama. It is based in Muscle Shoals, AL and $21.0 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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Main Office main office1604 Gusmus Ave, 35661
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Regions Bank Bank · 1
Regions Bank has 1 branch in Muscle Shoals, 184 across Alabama and 1,256 nationwide. FDIC records list its main office in Birmingham, AL and show it operating since 1928. With $159.79 billion in total assets on June 30, 2026, it ranks No. 27 of 4,232 U.S. banks by total assets. The Muscle Shoals Branch at 700 Avalon Ave dates to 1991 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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Muscle Shoals Branch700 Avalon Ave, 35661
Valley Credit Union Credit union · 1
Valley Credit Union has 1 office in Muscle Shoals, 7 across Alabama. It is based in Tuscumbia, AL and $111.3 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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Valley Credit Union2500 Avalon Ave, 35661
All hours
Mon to Thu 8:45 am to 4:30 pm; Fri 8:45 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Muscle Shoals
6 credit unions have 8 offices here: Listerhill Credit Union, Tva Community Credit Union, Family Security Credit Union, Alabama Central Credit Union, Valley Credit Union and Railway Employees 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 Muscle Shoals page has every office in the state's directory.
Banking in Muscle Shoals: the local picture
Short answer: 6 banks run 8 branches in Muscle Shoals 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 6 banks, 1 has its main office in Muscle Shoals, 4 elsewhere in Alabama and 1 out of state, according to the FDIC.
The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is PNC Bank's office at 606 Avalon Ave, dating to 1962; the newest is First Metro Bank's at 2402 Avalon Ave, from 2019.
6 credit unions have 8 offices in Muscle Shoals, according to the NCUA. Who can join each one is on the credit unions page.
Of the 9 locations with published hours. 3 open on Saturday. 7 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Muscle Shoals
Short answer: 3 of the 9 Muscle Shoals locations with published hours open on Saturday, run by 2 institutions.
- PNC Bank: 1 of 1 branch (606 Avalon Ave: Saturday 9 am to 1 pm)
- Listerhill Credit Union: 2 of 2 offices (4790 2Nd St: Saturday 8:30 am to 12 pm, and 1 more)
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; 7 of the 16 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 Muscle Shoals, and where the nearest one is if they do not.
Short answer: In Muscle Shoals: PNC Bank (1), Regions Bank (1). No branches in Muscle Shoals: Chase (nearest in Florence, 6 mi), Wells Fargo (nearest in Florence, 6 mi), Bank of America, U.S. Bank, Truist (nearest in Florence, 7 mi), Fifth Third Bank (nearest in Madison, 52 mi), Huntington (nearest in Hartselle, 46 mi), TD Bank, BMO.
| Bank | In Muscle Shoals | Nearest branch if none here |
|---|---|---|
| PNC Bank | 1 branch | here |
| Regions Bank | 1 branch | here |
| Chase | None | Florence, 6 miles away |
| Wells Fargo | None | Florence, 6 miles away |
| Bank of America | None | none in Alabama |
| U.S. Bank | None | none in Alabama |
| Truist | None | Florence, 7 miles away |
| Fifth Third Bank | None | Madison, 52 miles away |
| Huntington | None | Hartselle, 46 miles away |
| TD Bank | None | none in Alabama |
| BMO | None | none in Alabama |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Muscle Shoals to the nearest branch in Alabama.
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 Muscle Shoals residents like anyone else.
Banks near Muscle Shoals
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Tuscumbia (3 miles) and Florence (5 miles). Florence, 5 miles away, has the most banks nearby: 15.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Tuscumbia, AL | 3 mi | 2 | 3 |
| Banks in Florence, AL | 5 mi | 15 | 28 |
| Banks in Killen, AL | 10 mi | 3 | 3 |
| Banks in Russellville, AL | 18 mi | 5 | 10 |
| Banks in Cherokee, AL | 18 mi | 2 | 2 |
| Banks in Rogersville, AL | 21 mi | 3 | 3 |
| Banks in Lexington, AL | 22 mi | 2 | 2 |
| Banks in Moulton, AL | 29 mi | 4 | 5 |
Bank branch openings and closings in Muscle Shoals
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Muscle Shoals 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 Muscle Shoals
Short answer: 3 institutions have their main office in Muscle Shoals: First Metro Bank, Tva Community Credit Union and Railway Employees Credit Union.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| First Metro Bank | Bank | $1.01 billion | 2 |
| Tva Community Credit Union | Credit union | $424.4 million | 2 |
| Railway Employees Credit Union | Credit union | $21.0 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Muscle Shoals by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Muscle Shoals offices.
Short answer: PNC Bank is the largest bank with offices in Muscle Shoals, with $609.77 billion in total assets on June 30, 2026, No. 8 among U.S. banks by total assets. Regions Bank is second with $159.79 billion. 1 of the 6 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 |
|---|---|---|---|---|
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Regions Bank | $159.79 billion | No. 27 | 1 | Birmingham, AL |
| CB&S Bank | $3.07 billion | No. 417 | 1 | Russellville, AL |
| Bank Independent | $2.86 billion | No. 449 | 2 | Sheffield, AL |
| First Metro Bank | $1.01 billion | No. 1,036 | 2 | Muscle Shoals, AL |
| First Southern Bank | $679.2 million | No. 1,408 | 1 | Florence, AL |
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 Muscle Shoals: FAQ
How many banks are in Muscle Shoals, AL?
Muscle Shoals has 6 banks with 8 branches and 6 credit unions with 8 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 Muscle Shoals?
Bank Independent, with 2. First Metro Bank has 2 and PNC Bank has 1.
Is there a Bank Independent in Muscle Shoals, AL?
Yes. FDIC data lists 2 Bank Independent branches in Muscle Shoals as of September 5, 2026. Its branches are listed under Bank Independent above, with the address and directions for each.
Is there a First Metro Bank in Muscle Shoals, AL?
Yes. FDIC data lists 2 First Metro Bank branches in Muscle Shoals as of September 5, 2026, the main office at 406 Avalon Ave. Its branches are listed under First Metro Bank above, with the address and directions for each.
Is there a PNC Bank in Muscle Shoals, AL?
Yes. FDIC data lists 1 PNC Bank branch in Muscle Shoals as of September 5, 2026. The address and directions are under PNC Bank above.
Is there a Chase in Muscle Shoals, AL?
No. FDIC data lists no Chase branch in Muscle Shoals as of September 5, 2026. The nearest is in Florence, about 6 miles away in a straight line.
Which banks in Muscle Shoals are open on Saturday?
PNC Bank and Listerhill Credit Union publish Saturday hours for one or more Muscle Shoals locations. The Saturday section above lists each one with its hours. 7 of the 16 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Muscle Shoals?
First Metro Bank, Tva Community Credit Union and Railway Employees Credit Union have their main office in Muscle Shoals, according to the FDIC and the NCUA.
What is the oldest bank in Muscle Shoals?
PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.
Which credit unions can I join in Muscle Shoals?
Listerhill Credit Union, Tva Community Credit Union, Family Security Credit Union and Alabama Central Credit Union and 2 more have offices in Muscle Shoals. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Muscle Shoals 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 Muscle Shoals?
Nearby cities with more banks include Tuscumbia, Florence, Killen. Tuscumbia is 3 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 5 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 8 branches: PNC Bank) | 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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