US Bank Directory
Banks in Valley, AL
4 FDIC-insured banks operate 5 offices in Valley, Alabama, and 2 credit unions have 2 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Valley
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: 6 banks and credit unions operate 7 locations in Valley, 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 Valley
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Capital City Bank has the most locations in Valley, with 2. 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.
Capital City Bank Bank · 2
Capital City Bank has 2 branches in Valley, 2 across Alabama and 67 nationwide. FDIC records list its main office in Tallahassee, FL and show it operating since 1907. With $4.45 billion in total assets on June 30, 2026, it ranks No. 313 of 4,232 U.S. banks by total assets. The Shawmut Branch at 3503 20th Ave 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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Shawmut Branch3503 20th Ave, 36854
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Fob James Branch375 Fob James Dr, 36854
Alabama One Credit Union Credit union · 1
Alabama One Credit Union has 1 office in Valley, 31 across Alabama. It is based in Tuscaloosa, AL and $1.51 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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Valley3202 20Th Ave, 36854
All hours
Mon to Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
AuburnBank Bank · 1
AuburnBank has 1 branch in Valley, 7 across Alabama and 7 nationwide. FDIC records list its main office in Auburn, AL and show it operating since 1907. With $1.09 billion in total assets on June 30, 2026, it ranks No. 969 of 4,232 U.S. banks by total assets. The Valley Branch at 132 Fob James Dr dates to 2011 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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Valley Branch132 Fob James Dr, 36854
Chattahoochee Credit Union Credit union · 1
Chattahoochee Credit Union has 1 office in Valley, 1 across Alabama. It is based in Valley, AL and $23.5 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 office519 Fob James Dr, 36854
All hours
Mon to Tue 8 am to 5:30 pm; Wed 8 am to 1 pm; Thu to Fri 8 am to 5:30 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Renasant Bank · 1
Renasant has 1 branch in Valley, 37 across Alabama and 266 nationwide. FDIC records list its main office in Tupelo, MS and show it operating since 1904. With $26.99 billion in total assets on June 30, 2026, it ranks No. 80 of 4,232 U.S. banks by total assets. The Valley Branch at 3216 20th Ave dates to 1985 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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Valley Branch3216 20th Ave, 36854
SouthState Bank · 1
SouthState has 1 branch in Valley, 9 across Alabama and 374 nationwide. FDIC records list its main office in Winter Haven, FL and show it operating since 1992. With $68.79 billion in total assets on June 30, 2026, it ranks No. 41 of 4,232 U.S. banks by total assets. The Valley Branch at 3500 20th Ave 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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Valley Branch3500 20th Ave, 36854
Join a credit union in Valley
2 credit unions have 2 offices here: Alabama One Credit Union and Chattahoochee 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 Valley page has every office in the state's directory.
Banking in Valley: the local picture
Short answer: 4 banks run 5 branches in Valley 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 Valley, 1 elsewhere in Alabama and 3 out of state, according to the FDIC.
The bank with the longest record here is Renasant, operating since 1904 according to the FDIC. In FDIC branch records, the longest-running branch is Renasant's office at 3216 20th Ave, dating to 1985; the newest is SouthState's at 3500 20th Ave, from 2018.
2 credit unions have 2 offices in Valley, according to the NCUA. Who can join each one is on the credit unions page.
Of the 2 locations with published hours. 1 opens on Saturday. 5 locations have no published hours in these sources.
Credit unions open on Saturday in Valley
Short answer: 1 of the 2 Valley locations with published hours opens on Saturday, run by 1 institution.
- Chattahoochee Credit Union: 1 of 1 office (519 Fob James Dr: 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; 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 Valley, and where the nearest one is if they do not.
Short answer: No branches in Valley: Chase (nearest in Auburn, 23 mi), Wells Fargo (nearest in Opelika, 17 mi), Bank of America, PNC Bank (nearest in Opelika, 17 mi), U.S. Bank, Truist (nearest in Opelika, 17 mi), Fifth Third Bank (nearest in Birmingham, 95 mi), Huntington (nearest in Opelika, 17 mi), Regions Bank (nearest in Opelika, 19 mi), TD Bank, BMO.
| Bank | In Valley | Nearest branch if none here |
|---|---|---|
| Chase | None | Auburn, 23 miles away |
| Wells Fargo | None | Opelika, 17 miles away |
| Bank of America | None | none in Alabama |
| PNC Bank | None | Opelika, 17 miles away |
| U.S. Bank | None | none in Alabama |
| Truist | None | Opelika, 17 miles away |
| Fifth Third Bank | None | Birmingham, 95 miles away |
| Huntington | None | Opelika, 17 miles away |
| Regions Bank | None | Opelika, 19 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 Valley 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 Valley residents like anyone else.
Banks near Valley
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Opelika (18 miles) and Auburn (22 miles). Auburn, 22 miles away, has the most banks nearby: 20.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Opelika, AL | 18 mi | 12 | 15 |
| Banks in Auburn, AL | 22 mi | 20 | 25 |
| Banks in Roanoke, AL | 25 mi | 3 | 3 |
| Banks in Phenix City, AL | 26 mi | 6 | 10 |
| Banks in Dadeville, AL | 34 mi | 3 | 3 |
| Banks in Wedowee, AL | 38 mi | 3 | 3 |
| Banks in Tuskegee, AL | 41 mi | 2 | 2 |
| Banks in Alexander City, AL | 45 mi | 6 | 7 |
Bank branch openings and closings in Valley
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Valley 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 Valley
Short answer: 1 institution has its main office in Valley: Chattahoochee Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Chattahoochee Credit Union | Credit union | $23.5 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Valley by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Valley offices.
Short answer: SouthState is the largest bank with offices in Valley, with $68.79 billion in total assets on June 30, 2026, No. 41 among U.S. banks by total assets. Renasant is second with $26.99 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| SouthState | $68.79 billion | No. 41 | 1 | Winter Haven, FL |
| Renasant | $26.99 billion | No. 80 | 1 | Tupelo, MS |
| Capital City Bank | $4.45 billion | No. 313 | 2 | Tallahassee, FL |
| AuburnBank | $1.09 billion | No. 969 | 1 | Auburn, 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 Valley: FAQ
How many banks are in Valley, AL?
Valley has 4 banks with 5 branches and 2 credit unions with 2 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 Valley?
Capital City Bank, with 2. SouthState has 1 and Renasant has 1.
Is there a Capital City Bank in Valley, AL?
Yes. FDIC data lists 2 Capital City Bank branches in Valley as of September 5, 2026. Its branches are listed under Capital City Bank above, with the address and directions for each.
Is there a SouthState in Valley, AL?
Yes. FDIC data lists 1 SouthState branch in Valley as of September 5, 2026. The address and directions are under SouthState above.
Is there a Renasant in Valley, AL?
Yes. FDIC data lists 1 Renasant branch in Valley as of September 5, 2026. The address and directions are under Renasant above.
Is there a Chase in Valley, AL?
No. FDIC data lists no Chase branch in Valley as of September 5, 2026. The nearest is in Auburn, about 23 miles away in a straight line.
Which banks in Valley are open on Saturday?
Chattahoochee Credit Union publishes Saturday hours for one or more Valley 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.
Which banks are headquartered in Valley?
Chattahoochee Credit Union has its main office in Valley, according to the FDIC and the NCUA.
What is the oldest bank in Valley?
Renasant has the longest record among banks with a branch here: the FDIC shows it operating since 1904.
Which credit unions can I join in Valley?
Alabama One Credit Union and Chattahoochee Credit Union have offices in Valley. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Valley 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 Valley?
Nearby cities with more banks include Opelika, Auburn, Roanoke. Opelika is 18 miles away with 12 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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