US Bank Directory
Banks in Capitola, CA
7 FDIC-insured banks operate 7 offices in Capitola, California, 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: Capitola
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 Capitola, according to the FDIC and the NCUA. 8 of them have coordinates on record and are on the map. 7 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 Capitola
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 7 banks share the most locations in Capitola, with 1 each. 7 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 of America Bank · 1
Bank of America has 1 branch in Capitola, 684 across California and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. The 41St And Capitola Branch at 4055 Capitola Rd dates to 1967 in FDIC branch records. It opens on Saturday.
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41St And Capitola Branch4055 Capitola Rd, 95010
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat 9 am to 4 pm; Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Bay Credit Union Credit union · 1
Bay Credit Union has 1 office in Capitola, 8 across California. It is based in Capitola, CA and $1.89 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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Main Office main office3333 Clares St, 95010
All hours
Mon to Tue 9 am to 5 pm; Wed 10 am to 5 pm; Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 3 pm; Sun not published
Hours: NCUA, March 31, 2026
BMO Bank · 1
BMO has 1 branch in Capitola, 226 across California and 988 nationwide. FDIC records list its main office in Chicago, IL and show it operating since 1947. With $254.97 billion in total assets on June 30, 2026, it ranks No. 16 of 4,232 U.S. banks by total assets. The Capitola Branch at 3820 Capitola Rd dates to 1987 in FDIC branch records. Its published hours do not list Saturday.
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Capitola Branch3820 Capitola Rd, 95010
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: BMO branch locator (All The Places), checked Oct 10, 2026
Chase Bank · 1
Chase has 1 branch in Capitola, 858 across California and 5,176 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1824. With $4.09 trillion in total assets on June 30, 2026, it ranks No. 1 of 4,232 U.S. banks by total assets. The Capitola Branch at 1990 41st Ave dates to 1889 in FDIC branch records. It opens on Saturday.
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Capitola Branch1990 41st Ave, 95010
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
Fifth Third Bank Bank · 1
Fifth Third Bank has 1 branch in Capitola, 87 across California 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 Capitola Branch at 1960 41st Ave dates to 1967 in FDIC branch records. It opens on Saturday.
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Capitola Branch1960 41st Ave, 95010
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Capitola, 563 across California and 2,097 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1863. With $705.55 billion in total assets on June 30, 2026, it ranks No. 6 of 4,232 U.S. banks by total assets. The Capitola Branch at 601 Bay Ave dates to 1997 in FDIC branch records. Its published hours do not list Saturday.
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Capitola Branch601 Bay Ave, 95010
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Capitola, 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 Forty-First And Capitola Branch at 1700 41st Ave dates to 1962 in FDIC branch records. It opens on Saturday.
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Forty-First And Capitola Branch1700 41st Ave, 95010
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
West Coast Community Bank Bank · 1
West Coast Community Bank has 1 branch in Capitola, 11 across California and 10 nationwide. FDIC records list its main office in Santa Cruz, CA and show it operating since 2004. With $2.94 billion in total assets on June 30, 2026, it ranks No. 435 of 4,232 U.S. banks by total assets. The Capitola Branch at 819 Bay Ave 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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Capitola Branch819 Bay Ave, 95010
Join a credit union in Capitola
1 credit union has 1 office here: Bay 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 Capitola page has every office in the state's directory.
Banking in Capitola: the local picture
Short answer: 7 banks run 7 branches in Capitola 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 7 banks, 0 have their main office in Capitola, 1 elsewhere in California and 6 out of state, according to the FDIC.
The bank with the longest record here is Chase, operating since 1824 according to the FDIC. In FDIC branch records, the longest-running branch is Chase's office at 1990 41st Ave, dating to 1889; the newest is West Coast Community Bank's at 819 Bay Ave, from 2007.
The only credit union with an office here is Bay Credit Union.
Of the 7 locations with published hours. 5 open on Saturday. 1 location has no published hours in these sources.
Banks and credit unions open on Saturday in Capitola
Short answer: 5 of the 7 Capitola locations with published hours open on Saturday, run by 5 institutions.
- Chase: 1 of 1 branch (1990 41st Ave: Saturday 9 am to 2 pm)
- Bank of America: 1 of 1 branch (4055 Capitola Rd: Saturday 9 am to 4 pm)
- Wells Fargo: 1 of 1 branch (1700 41st Ave: Saturday 9 am to 2 pm)
- Fifth Third Bank: 1 of 1 branch (1960 41st Ave: Saturday 9 am to 12 pm)
- Bay Credit Union: 1 of 1 office (3333 Clares St: Saturday 9 am to 3 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; 1 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 Capitola, and where the nearest one is if they do not.
Short answer: In Capitola: Chase (1), Wells Fargo (1), Bank of America (1), U.S. Bank (1), Fifth Third Bank (1), BMO (1). No branches in Capitola: PNC Bank (nearest in Campbell, 22 mi), Truist, Huntington, Regions Bank, TD Bank.
| Bank | In Capitola | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| Wells Fargo | 1 branch | here |
| Bank of America | 1 branch | here |
| U.S. Bank | 1 branch | here |
| Fifth Third Bank | 1 branch | here |
| BMO | 1 branch | here |
| PNC Bank | None | Campbell, 22 miles away |
| Truist | None | none in California |
| Huntington | None | none in California |
| Regions Bank | None | none in California |
| TD Bank | None | none in California |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Capitola 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 Capitola residents like anyone else.
Banks near Capitola
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Aptos (3 miles) and Santa Cruz (3 miles). Santa Cruz, 3 miles away, has the most banks nearby: 8.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Aptos, CA | 3 mi | 6 | 6 |
| Banks in Santa Cruz, CA | 3 mi | 8 | 9 |
| Banks in Scotts Valley, CA | 6 mi | 5 | 5 |
| Banks in Felton, CA | 8 mi | 2 | 2 |
| Banks in Watsonville, CA | 12 mi | 7 | 8 |
| Banks in Los Gatos, CA | 18 mi | 8 | 11 |
| Banks in Morgan Hill, CA | 20 mi | 8 | 8 |
| Banks in Saratoga, CA | 21 mi | 7 | 7 |
Bank branch openings and closings in Capitola
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Capitola 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 Capitola
Short answer: 1 institution has its main office in Capitola: Bay Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Bay Credit Union | Credit union | $1.89 billion | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Capitola by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Capitola offices.
Short answer: Chase is the largest bank with offices in Capitola, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. Bank of America is second with $2.65 trillion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 1 | Columbus, OH |
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
| Fifth Third Bank | $299.18 billion | No. 14 | 1 | Cincinnati, OH |
| BMO | $254.97 billion | No. 16 | 1 | Chicago, IL |
| West Coast Community Bank | $2.94 billion | No. 435 | 1 | Santa Cruz, 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 Capitola: FAQ
How many banks are in Capitola, CA?
Capitola has 7 banks with 7 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 Capitola?
Chase, with 1. Bank of America has 1 and Wells Fargo has 1.
Is there a Chase in Capitola, CA?
Yes. FDIC data lists 1 Chase branch in Capitola as of September 5, 2026. The address and directions are under Chase above.
Is there a Bank of America in Capitola, CA?
Yes. FDIC data lists 1 Bank of America branch in Capitola as of September 5, 2026. The address and directions are under Bank of America above.
Is there a Wells Fargo in Capitola, CA?
Yes. FDIC data lists 1 Wells Fargo branch in Capitola as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a PNC Bank in Capitola, CA?
No. FDIC data lists no PNC Bank branch in Capitola as of September 5, 2026. The nearest is in Campbell, about 22 miles away in a straight line.
Which banks in Capitola are open on Saturday?
Chase, Bank of America, Wells Fargo and Fifth Third Bank and 1 more publish Saturday hours for one or more Capitola locations. The Saturday section above lists each one with its hours. 1 of the 8 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Capitola?
Bay Credit Union has its main office in Capitola, according to the FDIC and the NCUA.
What is the oldest bank in Capitola?
Chase has the longest record among banks with a branch here: the FDIC shows it operating since 1824.
Which credit unions can I join in Capitola?
Bay Credit Union has an office in Capitola. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Capitola 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 Capitola?
Nearby cities with more banks include Aptos, Santa Cruz, Scotts Valley. Aptos is 3 miles away with 6 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 |
| Bank branch hours, phones and branch pages (6 of 7 branches: BMO, Bank of America, Chase, Fifth Third Bank, U.S. Bank, 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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