US Bank Directory
Banks in Owens Cross Roads, AL
6 FDIC-insured banks operate 6 offices in Owens Cross Roads, Alabama, 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: Owens Cross Roads
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: 7 banks and credit unions operate 7 locations in Owens Cross Roads, according to the FDIC and the NCUA. 6 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
6 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 Owens Cross Roads
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 6 banks share the most locations in Owens Cross Roads, with 1 each. 6 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 · 1
Bank Independent has 1 branch in Owens Cross Roads, 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. The Hampton Cove Branch at 410 Sutton Road dates to 2023 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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Hampton Cove Branch410 Sutton Road, 35763
CB&S Bank Bank · 1
CB&S Bank has 1 branch in Owens Cross Roads, 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 Owens Crossroads Branch at 6388 Highway 431 S 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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Owens Crossroads Branch6388 Highway 431 S, 35763
Family Savings Credit Union Credit union · 1
Family Savings Credit Union has 1 office in Owens Cross Roads, 11 across Alabama. It is based in Rainbow City, AL and $1.17 billion 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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Owens Cross Roads7060 Us 431 South, 35763
All hours
Mon 9 am to 6 pm; Tue to Fri not published; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
Fifth Third Bank Bank · 1
Fifth Third Bank has 1 branch in Owens Cross Roads, 7 across Alabama and 1,508 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1865. With $299.18 billion in total assets on June 30, 2026, it ranks No. 14 of 4,232 U.S. banks by total assets. The Hampton Cove Bc Branch at 111 Taylor Ln Se dates to 2026 in FDIC branch records. It opens on Saturday.
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Hampton Cove Bc Branch111 Taylor Ln Se, 35763
All hours
Mon closed; Tue to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
First Jackson Bank Bank · 1
First Jackson Bank has 1 branch in Owens Cross Roads, 6 across Alabama and 7 nationwide. FDIC records list its main office in Stevenson, AL and show it operating since 1981. With $444.3 million in total assets on June 30, 2026, it ranks No. 1,942 of 4,232 U.S. banks by total assets. The Wal-Mart Shopping Center Branch at 308 Sutton Rd Se dates to 2007 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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Wal-Mart Shopping Center Branch308 Sutton Rd Se, 35763
Huntington Bank · 1
Huntington has 1 branch in Owens Cross Roads, 52 across Alabama and 1,477 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1866. With $283.07 billion in total assets on June 30, 2026, it ranks No. 15 of 4,232 U.S. banks by total assets. The Huntsville Mountain Cove Branch at 3001 Mountain Cove Blvd Se dates to 2007 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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Huntsville Mountain Cove Branch3001 Mountain Cove Blvd Se, 35763
Regions Bank Bank · 1
Regions Bank has 1 branch in Owens Cross Roads, 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 Hampton Cove Branch at 6639 Highway 431 S dates to 1997 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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Hampton Cove Branch6639 Highway 431 S, 35763
Join a credit union in Owens Cross Roads
1 credit union has 1 office here: Family Savings 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 Owens Cross Roads page has every office in the state's directory.
Banking in Owens Cross Roads: the local picture
Short answer: 6 banks run 6 branches in Owens Cross Roads 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, 0 have their main office in Owens Cross Roads, 4 elsewhere in Alabama and 2 out of state, according to the FDIC.
The bank with the longest record here is Fifth Third Bank, operating since 1865 according to the FDIC. In FDIC branch records, the longest-running branch is Regions Bank's office at 6639 Highway 431 S, dating to 1997; the newest is Fifth Third Bank's at 111 Taylor Ln Se, from 2026.
The only credit union with an office here is Family Savings Credit Union.
Of the 2 locations with published hours. 2 open on Saturday. 5 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Owens Cross Roads
Short answer: 2 of the 2 Owens Cross Roads locations with published hours open on Saturday, run by 2 institutions.
- Fifth Third Bank: 1 of 1 branch (111 Taylor Ln Se: Saturday 9 am to 12 pm)
- Family Savings Credit Union: 1 of 1 office (7060 Us 431 South: Saturday 9 am to 2 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; 5 of the 7 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 Owens Cross Roads, and where the nearest one is if they do not.
Short answer: In Owens Cross Roads: Fifth Third Bank (1), Huntington (1), Regions Bank (1). No branches in Owens Cross Roads: Chase (nearest in Huntsville, 11 mi), Wells Fargo (nearest in Huntsville, 4 mi), Bank of America, PNC Bank (nearest in Huntsville, 5 mi), U.S. Bank, Truist (nearest in Huntsville, 5 mi), TD Bank, BMO.
| Bank | In Owens Cross Roads | Nearest branch if none here |
|---|---|---|
| Fifth Third Bank | 1 branch | here |
| Huntington | 1 branch | here |
| Regions Bank | 1 branch | here |
| Chase | None | Huntsville, 11 miles away |
| Wells Fargo | None | Huntsville, 4 miles away |
| Bank of America | None | none in Alabama |
| PNC Bank | None | Huntsville, 5 miles away |
| U.S. Bank | None | none in Alabama |
| Truist | None | Huntsville, 5 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 Owens Cross Roads 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 Owens Cross Roads residents like anyone else.
Banks near Owens Cross Roads
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Huntsville (8 miles) and New Hope (8 miles). Huntsville, 8 miles away, has the most banks nearby: 32.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Huntsville, AL | 8 mi | 32 | 67 |
| Banks in New Hope, AL | 8 mi | 2 | 2 |
| Banks in Madison, AL | 16 mi | 19 | 27 |
| Banks in Grant, AL | 16 mi | 2 | 2 |
| Banks in Hazel Green, AL | 19 mi | 3 | 3 |
| Banks in Arab, AL | 22 mi | 6 | 7 |
| Banks in Guntersville, AL | 24 mi | 8 | 8 |
| Banks in Scottsboro, AL | 26 mi | 7 | 11 |
Bank branch openings and closings in Owens Cross Roads
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show 1 branch opening in Owens Cross Roads between September 5, 2025 and September 5, 2026.
| Date | Change | Bank | Address |
|---|---|---|---|
| Mar 26, 2026 | Opened | Fifth Third Bank | 111 Taylor Ln Se, 35763 |
Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.
Largest banks in Owens Cross Roads by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Owens Cross Roads offices.
Short answer: Fifth Third Bank is the largest bank with offices in Owens Cross Roads, with $299.18 billion in total assets on June 30, 2026, No. 14 among U.S. banks by total assets. Huntington is second with $283.07 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Fifth Third Bank | $299.18 billion | No. 14 | 1 | Cincinnati, OH |
| Huntington | $283.07 billion | No. 15 | 1 | Columbus, OH |
| 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 | 1 | Sheffield, AL |
| First Jackson Bank | $444.3 million | No. 1,942 | 1 | Stevenson, 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 Owens Cross Roads: FAQ
How many banks are in Owens Cross Roads, AL?
Owens Cross Roads has 6 banks with 6 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 Owens Cross Roads?
Fifth Third Bank, with 1. Huntington has 1 and Regions Bank has 1.
Is there a Fifth Third Bank in Owens Cross Roads, AL?
Yes. FDIC data lists 1 Fifth Third Bank branch in Owens Cross Roads as of September 5, 2026. The address and directions are under Fifth Third Bank above.
Is there a Huntington in Owens Cross Roads, AL?
Yes. FDIC data lists 1 Huntington branch in Owens Cross Roads as of September 5, 2026. The address and directions are under Huntington above.
Is there a Regions Bank in Owens Cross Roads, AL?
Yes. FDIC data lists 1 Regions Bank branch in Owens Cross Roads as of September 5, 2026. The address and directions are under Regions Bank above.
Is there a Chase in Owens Cross Roads, AL?
No. FDIC data lists no Chase branch in Owens Cross Roads as of September 5, 2026. The nearest is in Huntsville, about 11 miles away in a straight line.
Which banks in Owens Cross Roads are open on Saturday?
Fifth Third Bank and Family Savings Credit Union publish Saturday hours for one or more Owens Cross Roads locations. The Saturday section above lists each one with its hours. 5 of the 7 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Owens Cross Roads?
Fifth Third Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1865.
Which credit unions can I join in Owens Cross Roads?
Family Savings Credit Union has an office in Owens Cross Roads. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Owens Cross Roads in the past year?
FDIC branch records show 1 branch opening 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 Owens Cross Roads?
Nearby cities with more banks include Huntsville, New Hope, Madison. Huntsville is 8 miles away with 32 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 |
| Bank branch hours, phones and branch pages (1 of 6 branches: Fifth Third 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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