US Bank Directory
Banks in Atwater, CA
5 FDIC-insured banks operate 5 offices in Atwater, California, 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: Atwater
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: 8 banks and credit unions operate 8 locations in Atwater, 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 Atwater
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 5 banks share the most locations in Atwater, with 1 each. 5 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.
Citibank Bank · 1
Citibank has 1 branch in Atwater, 271 across California and 667 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1812. With $1.98 trillion in total assets on June 30, 2026, it ranks No. 3 of 4,232 U.S. banks by total assets. The Atwater Branch at 700 Bellevue Rd dates to 1919 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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Atwater Branch700 Bellevue Rd, 95301
Mechanics Bank Bank · 1
Mechanics Bank has 1 branch in Atwater, 132 across California and 169 nationwide. FDIC records list its main office in Walnut Creek, CA and show it operating since 1905. With $21.25 billion in total assets on June 30, 2026, it ranks No. 102 of 4,232 U.S. banks by total assets. The Atwater Branch at 1861 Bellevue Rd dates to 2009 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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Atwater Branch1861 Bellevue Rd, 95301
Merced School Employees Credit Union Credit union · 1
Merced School Employees Credit Union has 1 office in Atwater, 8 across California. It is based in Merced, CA and $897.5 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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Msefcu Atwater101 Bellevue Rd, 95301
All hours
Mon to Thu 8:30 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Merco Credit Union Credit union · 1
Merco Credit Union has 1 office in Atwater, 4 across California. It is based in Merced, CA and $207.0 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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Atwater Branch598 Bellevue Rd, 95301
All hours
Mon to Fri 9:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
PNC Bank Bank · 1
PNC Bank has 1 branch in Atwater, 56 across California 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 Atwater Branch at 1329 Broadway Ave dates to 1989 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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Atwater Branch1329 Broadway Ave, 95301
Travis Credit Union Credit union · 1
Travis Credit Union has 1 office in Atwater, 25 across California. It is based in Vacaville, CA and $5.69 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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Atwater Branch981 Bellevue Rd, 95301
All hours
Mon to Fri 10 am to 5:30 pm; Sat 10 am to 2 pm; Sun closed
Hours: NCUA, March 31, 2026
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Atwater, 769 across California 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 Atwater Plaza Branch at 243 E Bellevue Rd dates to 2007 in FDIC branch records. Its published hours do not list Saturday.
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Atwater Plaza Branch243 E Bellevue Rd, 95301
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
Westamerica Bank Bank · 1
Westamerica Bank has 1 branch in Atwater, 75 across California and 75 nationwide. FDIC records list its main office in San Rafael, CA and show it operating since 1884. With $5.77 billion in total assets on June 30, 2026, it ranks No. 258 of 4,232 U.S. banks by total assets. The Atwater Branch at 735 Bellevue Rd dates to 1981 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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Atwater Branch735 Bellevue Rd, 95301
Join a credit union in Atwater
3 credit unions have 3 offices here: Travis Credit Union, Merced School Employees Credit Union and Merco 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 Atwater page has every office in the state's directory.
Banking in Atwater: the local picture
Short answer: 5 banks run 5 branches in Atwater 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 5 banks, 0 have their main office in Atwater, 2 elsewhere in California and 3 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 Citibank's office at 700 Bellevue Rd, dating to 1919; the newest is Mechanics Bank's at 1861 Bellevue Rd, from 2009.
3 credit unions have 3 offices in Atwater, according to the NCUA. Who can join each one is on the credit unions page.
Of the 4 locations with published hours. 1 opens on Saturday. 4 locations have no published hours in these sources.
Credit unions open on Saturday in Atwater
Short answer: 1 of the 4 Atwater locations with published hours opens on Saturday, run by 1 institution.
- Travis Credit Union: 1 of 1 office (981 Bellevue Rd: Saturday 10 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; 4 of the 8 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 Atwater, and where the nearest one is if they do not.
Short answer: In Atwater: Wells Fargo (1), PNC Bank (1). No branches in Atwater: Chase (nearest in Merced, 7 mi), Bank of America (nearest in Merced, 7 mi), U.S. Bank (nearest in Turlock, 16 mi), Truist, Fifth Third Bank (nearest in Fresno, 58 mi), Huntington, Regions Bank, TD Bank, BMO (nearest in Turlock, 18 mi).
| Bank | In Atwater | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| PNC Bank | 1 branch | here |
| Chase | None | Merced, 7 miles away |
| Bank of America | None | Merced, 7 miles away |
| U.S. Bank | None | Turlock, 16 miles away |
| Truist | None | none in California |
| Fifth Third Bank | None | Fresno, 58 miles away |
| Huntington | None | none in California |
| Regions Bank | None | none in California |
| TD Bank | None | none in California |
| BMO | None | Turlock, 18 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Atwater to the nearest branch in California.
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 Atwater residents like anyone else.
Banks near Atwater
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Merced (8 miles) and Hilmar (14 miles). Modesto, 31 miles away, has the most banks nearby: 17.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Merced, CA | 8 mi | 9 | 10 |
| Banks in Hilmar, CA | 14 mi | 2 | 2 |
| Banks in Turlock, CA | 17 mi | 13 | 17 |
| Banks in Newman, CA | 23 mi | 2 | 2 |
| Banks in Los Banos, CA | 25 mi | 5 | 5 |
| Banks in Ceres, CA | 25 mi | 4 | 4 |
| Banks in Patterson, CA | 30 mi | 5 | 5 |
| Banks in Modesto, CA | 31 mi | 17 | 39 |
Bank branch openings and closings in Atwater
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Atwater between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Atwater by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Atwater offices.
Short answer: Citibank is the largest bank with offices in Atwater, with $1.98 trillion in total assets on June 30, 2026, No. 3 among U.S. banks by total assets. Wells Fargo is second with $1.91 trillion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Citibank | $1.98 trillion | No. 3 | 1 | Sioux Falls, SD |
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Mechanics Bank | $21.25 billion | No. 102 | 1 | Walnut Creek, CA |
| Westamerica Bank | $5.77 billion | No. 258 | 1 | San Rafael, CA |
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 Atwater: FAQ
How many banks are in Atwater, CA?
Atwater has 5 banks with 5 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 Atwater?
Citibank, with 1. Wells Fargo has 1 and PNC Bank has 1.
Is there a Citibank in Atwater, CA?
Yes. FDIC data lists 1 Citibank branch in Atwater as of September 5, 2026. The address and directions are under Citibank above.
Is there a Wells Fargo in Atwater, CA?
Yes. FDIC data lists 1 Wells Fargo branch in Atwater as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a PNC Bank in Atwater, CA?
Yes. FDIC data lists 1 PNC Bank branch in Atwater as of September 5, 2026. The address and directions are under PNC Bank above.
Is there a Chase in Atwater, CA?
No. FDIC data lists no Chase branch in Atwater as of September 5, 2026. The nearest is in Merced, about 7 miles away in a straight line.
Which banks in Atwater are open on Saturday?
Travis Credit Union publishes Saturday hours for one or more Atwater locations. The Saturday section above lists each one with its hours. 4 of the 8 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Atwater?
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 Atwater?
Travis Credit Union, Merced School Employees Credit Union and Merco Credit Union have offices in Atwater. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Atwater 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 Atwater?
Nearby cities with more banks include Merced, Hilmar, Turlock. Merced is 8 miles away with 9 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 3 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 5 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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