US Bank Directory
Banks in Troy, AL
4 FDIC-insured banks operate 6 offices in Troy, Alabama, and 3 credit unions have 3 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: Troy
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 9 locations in Troy, according to the FDIC and the NCUA. 8 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
8 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 Troy
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Troy Bank has the most locations in Troy, with 3. The other 3 each 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.
Troy Bank Bank · 3
Troy Bank has 3 branches in Troy, 13 across Alabama and 13 nationwide. FDIC records list its main office in Troy, AL and show it operating since 1906. With $1.60 billion in total assets on June 30, 2026, it ranks No. 705 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Troy location is its main office at 1000 Highway 231 S, dating to 1906; the newest, at 1429 Highway 231 S, to 2008. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office1000 Highway 231 S, 36081
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Highway 231 South Branch1429 Highway 231 S, 36081
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North Three Notch Street Branch300 N 3notch St, 36081
All In Credit Union Credit union · 1
All In Credit Union has 1 office in Troy, 36 across Alabama. It is based in Daleville, AL and $3.72 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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Troy651 Alabama Hwy 87, 36079
All hours
Mon to Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
First Cahawba Bank Bank · 1
First Cahawba Bank has 1 branch in Troy, 5 across Alabama and 5 nationwide. FDIC records list its main office in Selma, AL and show it operating since 2007. With $205.7 million in total assets on June 30, 2026, it ranks No. 2,958 of 4,232 U.S. banks by total assets. The Troy Branch at 601 Trojan Pakway dates to 2018 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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Troy Branch601 Trojan Pakway, 36079
Guardian Credit Union Credit union · 1
Guardian Credit Union has 1 office in Troy, 17 across Alabama. It is based in Prattville, AL and $1.22 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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Troy1120 Highway 231 S, 36081
All hours
Mon to Tue 8:30 am to 4:30 pm; Wed 9:30 am to 4:30 pm; Thu 8:30 am to 4:30 pm; Fri 8:30 am to 5 pm; Sat closed; Sun not published
Hours: NCUA, March 31, 2026
Max Credit Union Credit union · 1
Max Credit Union has 1 office in Troy, 16 across Alabama. It is based in Montgomery, AL and $2.35 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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Troy1207 Highway 231 S, 36081
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Regions Bank Bank · 1
Regions Bank has 1 branch in Troy, 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 University Troy Branch at 801 S George Wallace Dr dates to 1973 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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University Troy Branch801 S George Wallace Dr, 36081
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Troy, 71 across Alabama and 4,161 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1870. With $1.91 trillion in total assets on June 30, 2026, it ranks No. 4 of 4,232 U.S. banks by total assets. The Troy Main Branch at 855 Highway 231 S dates to 1973 in FDIC branch records. Its published hours do not list Saturday.
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Troy Main Branch855 Highway 231 S, 36081
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Troy
3 credit unions have 3 offices here: All In Credit Union, Max Credit Union and Guardian 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 Troy page has every office in the state's directory.
Banking in Troy: the local picture
Short answer: 4 banks run 6 branches in Troy 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, 1 has its main office in Troy, 2 elsewhere in Alabama and 1 out of state, according to the FDIC.
The bank with the longest record here is Wells Fargo, operating since 1870 according to the FDIC. In FDIC branch records, the longest-running branch is Troy Bank's office at 1000 Highway 231 S, dating to 1906; the newest is First Cahawba Bank's at 601 Trojan Pakway, from 2018.
3 credit unions have 3 offices in Troy, according to the NCUA. Who can join each one is on the credit unions page.
Of the 4 locations with published hours. None open on Saturday. 5 locations have no published hours in these sources.
Banks by ZIP code in Troy
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 36081 has the most bank and credit union offices in Troy (7), followed by 36079 (2). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 36081 | 7 | 5 | Troy Bank, Guardian Credit Union, Max Credit Union |
| 36079 | 2 | 2 | All In Credit Union, First Cahawba Bank |
Saturday hours in Troy
Short answer: None of the 4 Troy locations with published hours lists Saturday hours. 5 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; 5 of the 9 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 Troy, and where the nearest one is if they do not.
Short answer: In Troy: Wells Fargo (1), Regions Bank (1). No branches in Troy: Chase (nearest in Auburn, 63 mi), Bank of America, PNC Bank (nearest in Montgomery, 40 mi), U.S. Bank, Truist (nearest in Greenville, 40 mi), Fifth Third Bank (nearest in Birmingham, 121 mi), Huntington (nearest in Greenville, 40 mi), TD Bank, BMO.
| Bank | In Troy | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| Regions Bank | 1 branch | here |
| Chase | None | Auburn, 63 miles away |
| Bank of America | None | none in Alabama |
| PNC Bank | None | Montgomery, 40 miles away |
| U.S. Bank | None | none in Alabama |
| Truist | None | Greenville, 40 miles away |
| Fifth Third Bank | None | Birmingham, 121 miles away |
| Huntington | None | Greenville, 40 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 Troy 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 Troy residents like anyone else.
Banks near Troy
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Luverne (19 miles) and Union Springs (29 miles). Montgomery, 43 miles away, has the most banks nearby: 18.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Luverne, AL | 19 mi | 2 | 2 |
| Banks in Union Springs, AL | 29 mi | 2 | 2 |
| Banks in Ozark, AL | 29 mi | 4 | 4 |
| Banks in Enterprise, AL | 33 mi | 9 | 9 |
| Banks in Opp, AL | 39 mi | 2 | 2 |
| Banks in Greenville, AL | 40 mi | 7 | 8 |
| Banks in Pike Road, AL | 40 mi | 3 | 3 |
| Banks in Montgomery, AL | 43 mi | 18 | 50 |
Bank branch openings and closings in Troy
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Troy 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 Troy
Short answer: 1 institution has its main office in Troy: Troy Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Troy Bank | Bank | $1.60 billion | 3 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Troy by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Troy offices.
Short answer: Wells Fargo is the largest bank with offices in Troy, with $1.91 trillion in total assets on June 30, 2026, No. 4 among U.S. banks by total assets. Regions Bank is second with $159.79 billion. 1 of the 4 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 |
|---|---|---|---|---|
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| Regions Bank | $159.79 billion | No. 27 | 1 | Birmingham, AL |
| Troy Bank | $1.60 billion | No. 705 | 3 | Troy, AL |
| First Cahawba Bank | $205.7 million | No. 2,958 | 1 | Selma, 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 Troy: FAQ
How many banks are in Troy, AL?
Troy has 4 banks with 6 branches and 3 credit unions with 3 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 Troy?
Troy Bank, with 3. Wells Fargo has 1 and Regions Bank has 1.
Is there a Wells Fargo in Troy, AL?
Yes. FDIC data lists 1 Wells Fargo branch in Troy as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a Regions Bank in Troy, AL?
Yes. FDIC data lists 1 Regions Bank branch in Troy as of September 5, 2026. The address and directions are under Regions Bank above.
Is there a Chase in Troy, AL?
No. FDIC data lists no Chase branch in Troy as of September 5, 2026. The nearest is in Auburn, about 63 miles away in a straight line.
Which banks in Troy are open on Saturday?
None of the 4 locations with published hours lists Saturday hours. 5 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Troy?
Troy Bank has its main office in Troy, according to the FDIC.
What is the oldest bank in Troy?
Wells Fargo has the longest record among banks with a branch here: the FDIC shows it operating since 1870.
Which credit unions can I join in Troy?
All In Credit Union, Max Credit Union and Guardian Credit Union have offices in Troy. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Troy 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 Troy?
Nearby cities with more banks include Luverne, Union Springs, Ozark. Luverne is 19 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 2 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 6 branches: Wells Fargo) | 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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