US Bank Directory
Banks in Carmel, CA
5 FDIC-insured banks operate 8 offices in Carmel, 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: Carmel
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 9 locations in Carmel, according to the FDIC and the NCUA. 9 of them have coordinates on record and are on the map. 8 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
9 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 Carmel
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Chase has the most locations in Carmel, with 3. It is followed by Wells Fargo (2). 3 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.
Chase Bank · 3
Chase has 3 branches in Carmel, 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. In FDIC branch records, its longest-running Carmel location is the Carmel Rancho Branch at 26378 Carmel Rancho Ln, dating to 1919; the newest, at 27845 Berwick Dr, to 1965. All 3 of its Carmel locations with published hours open on Saturday.
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Carmel Rancho Branch26378 Carmel Rancho Ln, 93923
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
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Carmel Valley Branch27845 Berwick Dr, 93923
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
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Sixth Street BranchSan Carlos St And 6th Ave, 93921
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
Wells Fargo Bank · 2
Wells Fargo has 2 branches in Carmel, 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. In FDIC branch records, its longest-running Carmel location is the Carmel-By-The-Sea Branch at San Carlos And Ocean Street, dating to 1930; the newest, at 26600 Carmel Center Pl, to 1975. 1 of its 2 Carmel locations with published hours open on Saturday.
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Carmel Valley Branch26600 Carmel Center Pl, 93923
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
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Carmel-By-The-Sea BranchSan Carlos And Ocean Street, 93921
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
Bank of America Bank · 1
Bank of America has 1 branch in Carmel, 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 Carmel Center Branch at 3640 Rio Rd dates to 1970 in FDIC branch records. Its published hours do not list Saturday.
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Carmel Center Branch3640 Rio Rd, 93923
All hours
Mon closed; Tue to Fri 9 am to 4 pm; Sat to Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Fremont Bank Bank · 1
Fremont Bank has 1 branch in Carmel, 23 across California and 23 nationwide. FDIC records list its main office in Fremont, CA and show it operating since 1964. With $5.97 billion in total assets on June 30, 2026, it ranks No. 254 of 4,232 U.S. banks by total assets. The Carmel Branch at 26356 Carmel Rancho Ln dates to 1999 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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Carmel Branch26356 Carmel Rancho Ln, 93923
Monterey Credit Union Credit union · 1
Monterey Credit Union has 1 office in Carmel, 5 across California. It is based in Monterey, CA and $357.0 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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Carmel Branch26135 Carmel Rancho Blvd Ste B, 93923
All hours
Mon to Fri 10 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Carmel, 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 Carmel Branch at 26380 Carmel Rancho Ln dates to 1991 in FDIC branch records. Its published hours do not list Saturday.
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Carmel Branch26380 Carmel Rancho Ln, 93923
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
Join a credit union in Carmel
1 credit union has 1 office here: Monterey 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 Carmel page has every office in the state's directory.
Banking in Carmel: the local picture
Short answer: 5 banks run 8 branches in Carmel 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 Carmel, 1 elsewhere in California and 4 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 26378 Carmel Rancho Ln, dating to 1919; the newest is Fremont Bank's at 26356 Carmel Rancho Ln, from 1999.
The only credit union with an office here is Monterey Credit Union.
Of the 8 locations with published hours. 4 open on Saturday. 1 location has no published hours in these sources.
Banks by ZIP code in Carmel
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 93923 has the most bank and credit union offices in Carmel (7), followed by 93921 (2). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 93923 | 7 | 6 | Chase, Bank of America, Fremont Bank |
| 93921 | 2 | 2 | Chase, Wells Fargo |
Banks open on Saturday in Carmel
Short answer: 4 of the 8 Carmel locations with published hours open on Saturday, run by 2 institutions.
- Chase: 3 of 3 branches (26378 Carmel Rancho Ln: Saturday 9 am to 2 pm, and 2 more)
- Wells Fargo: 1 of 2 branches (26600 Carmel Center Pl: 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; 1 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 Carmel, and where the nearest one is if they do not.
Short answer: In Carmel: Chase (3), Wells Fargo (2), Bank of America (1), U.S. Bank (1). No branches in Carmel: PNC Bank (nearest in Campbell, 52 mi), Truist, Fifth Third Bank (nearest in Monterey, 4 mi), Huntington, Regions Bank, TD Bank, BMO (nearest in Monterey, 3 mi).
| Bank | In Carmel | Nearest branch if none here |
|---|---|---|
| Chase | 3 branches | here |
| Wells Fargo | 2 branches | here |
| Bank of America | 1 branch | here |
| U.S. Bank | 1 branch | here |
| PNC Bank | None | Campbell, 52 miles away |
| Truist | None | none in California |
| Fifth Third Bank | None | Monterey, 4 miles away |
| Huntington | None | none in California |
| Regions Bank | None | none in California |
| TD Bank | None | none in California |
| BMO | None | Monterey, 3 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Carmel 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 Carmel residents like anyone else.
Banks near Carmel
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Monterey (4 miles) and Pacific Grove (5 miles). Salinas, 17 miles away, has the most banks nearby: 11.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Monterey, CA | 4 mi | 10 | 10 |
| Banks in Pacific Grove, CA | 5 mi | 4 | 4 |
| Banks in Seaside, CA | 5 mi | 3 | 3 |
| Banks in Marina, CA | 11 mi | 2 | 2 |
| Banks in Salinas, CA | 17 mi | 11 | 23 |
| Banks in Watsonville, CA | 27 mi | 7 | 8 |
| Banks in Aptos, CA | 30 mi | 6 | 6 |
| Banks in Capitola, CA | 30 mi | 7 | 7 |
Bank branch openings and closings in Carmel
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Carmel between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Carmel by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Carmel offices.
Short answer: Chase is the largest bank with offices in Carmel, 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 | 3 | Columbus, OH |
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Wells Fargo | $1.91 trillion | No. 4 | 2 | Sioux Falls, SD |
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
| Fremont Bank | $5.97 billion | No. 254 | 1 | Fremont, 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 Carmel: FAQ
How many banks are in Carmel, CA?
Carmel has 5 banks with 8 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 Carmel?
Chase, with 3. Wells Fargo has 2 and Bank of America has 1.
Is there a Chase in Carmel, CA?
Yes. FDIC data lists 3 Chase branches in Carmel as of September 5, 2026. Its branches are listed under Chase above, with the address and directions for each.
Is there a Wells Fargo in Carmel, CA?
Yes. FDIC data lists 2 Wells Fargo branches in Carmel as of September 5, 2026. Its branches are listed under Wells Fargo above, with the address and directions for each.
Is there a Bank of America in Carmel, CA?
Yes. FDIC data lists 1 Bank of America branch in Carmel as of September 5, 2026. The address and directions are under Bank of America above.
Is there a PNC Bank in Carmel, CA?
No. FDIC data lists no PNC Bank branch in Carmel as of September 5, 2026. The nearest is in Campbell, about 52 miles away in a straight line.
Which banks in Carmel are open on Saturday?
Chase and Wells Fargo publish Saturday hours for one or more Carmel locations. The Saturday section above lists each one with its hours. 1 of the 9 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Carmel?
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 Carmel?
Monterey Credit Union has an office in Carmel. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Carmel 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 Carmel?
Nearby cities with more banks include Monterey, Pacific Grove, Seaside. Monterey is 4 miles away with 10 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 (7 of 8 branches: Bank of America, Chase, 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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