US Bank Directory
Banks in Carmichael, CA
4 FDIC-insured banks operate 4 offices in Carmichael, 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: Carmichael
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: 5 banks and credit unions operate 5 locations in Carmichael, according to the FDIC and the NCUA. 5 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
5 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 Carmichael
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 4 banks share the most locations in Carmichael, with 1 each. 4 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.
BMO Bank · 1
BMO has 1 branch in Carmichael, 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 Carmichael Branch at 4001 Manzanita Ave dates to 2008 in FDIC branch records. Its published hours do not list Saturday.
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Carmichael Branch4001 Manzanita Ave, 95608
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
El Dorado Savings Bank, F.S.B. Bank · 1
El Dorado Savings Bank, F.S.B. has 1 branch in Carmichael, 31 across California and 35 nationwide. FDIC records list its main office in Placerville, CA and show it operating since 1956. With $2.44 billion in total assets on June 30, 2026, it ranks No. 512 of 4,232 U.S. banks by total assets. The Carmichael Branch at 4701 Manzanita Ave dates to 1956 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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Carmichael Branch4701 Manzanita Ave, 95608
the Golden 1 Credit Union Credit union · 1
the Golden 1 Credit Union has 1 office in Carmichael, 63 across California. It is based in Sacramento, CA and $21.74 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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Carmichael4005 Manzanita Ave Ste 60, 95608
All hours
Mon to Fri 10 am to 5 pm; Sat 10 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Carmichael, 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 Manzanita Safeway Branch at 4040 Manzanita Ave dates to 2004 in FDIC branch records. It opens on Saturday.
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Manzanita Safeway Branch4040 Manzanita Ave, 95608
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 10 am to 2 pm; 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 Carmichael, 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 Carmichael Branch at 7225 Fair Oaks Blvd dates to 1996 in FDIC branch records. Its published hours do not list Saturday.
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Carmichael Branch7225 Fair Oaks Blvd, 95608
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 Carmichael
1 credit union has 1 office here: the Golden 1 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 Carmichael page has every office in the state's directory.
Banking in Carmichael: the local picture
Short answer: 4 banks run 4 branches in Carmichael 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 Carmichael, 1 elsewhere in California and 3 out of state, according to the FDIC.
The bank with the longest record here is U.S. Bank, operating since 1863 according to the FDIC. In FDIC branch records, the longest-running branch is El Dorado Savings Bank, F.S.B.'s office at 4701 Manzanita Ave, dating to 1956; the newest is BMO's at 4001 Manzanita Ave, from 2008.
The only credit union with an office here is the Golden 1 Credit Union.
Of the 4 locations with published hours. 2 open on Saturday. 1 location has no published hours in these sources.
Banks and credit unions open on Saturday in Carmichael
Short answer: 2 of the 4 Carmichael locations with published hours open on Saturday, run by 2 institutions.
- U.S. Bank: 1 of 1 branch (4040 Manzanita Ave: Saturday 10 am to 2 pm)
- the Golden 1 Credit Union: 1 of 1 office (4005 Manzanita Ave Ste 60: 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; 1 of the 5 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 Carmichael, and where the nearest one is if they do not.
Short answer: In Carmichael: Wells Fargo (1), U.S. Bank (1), BMO (1). No branches in Carmichael: Chase (nearest in Sacramento, 2 mi), Bank of America (nearest in Sacramento, 2 mi), PNC Bank (nearest in Sacramento, 4 mi), Truist, Fifth Third Bank (nearest in Walnut Creek, 65 mi), Huntington, Regions Bank, TD Bank.
| Bank | In Carmichael | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| U.S. Bank | 1 branch | here |
| BMO | 1 branch | here |
| Chase | None | Sacramento, 2 miles away |
| Bank of America | None | Sacramento, 2 miles away |
| PNC Bank | None | Sacramento, 4 miles away |
| Truist | None | none in California |
| Fifth Third Bank | None | Walnut Creek, 65 miles away |
| 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 Carmichael 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 Carmichael residents like anyone else.
Banks near Carmichael
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Gold River (4 miles) and Citrus Heights (4 miles). Sacramento, 8 miles away, has the most banks nearby: 31.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Gold River, CA | 4 mi | 3 | 3 |
| Banks in Citrus Heights, CA | 4 mi | 8 | 9 |
| Banks in Rancho Cordova, CA | 4 mi | 8 | 8 |
| Banks in Orangevale, CA | 7 mi | 2 | 2 |
| Banks in Sacramento, CA | 8 mi | 31 | 101 |
| Banks in Roseville, CA | 9 mi | 23 | 36 |
| Banks in Folsom, CA | 10 mi | 12 | 16 |
| Banks in Granite Bay, CA | 11 mi | 2 | 2 |
Bank branch openings and closings in Carmichael
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Carmichael between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Carmichael by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Carmichael offices.
Short answer: Wells Fargo is the largest bank with offices in Carmichael, with $1.91 trillion in total assets on June 30, 2026, No. 4 among U.S. banks by total assets. U.S. Bank is second with $705.55 billion. 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 |
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
| BMO | $254.97 billion | No. 16 | 1 | Chicago, IL |
| El Dorado Savings Bank, F.S.B. | $2.44 billion | No. 512 | 1 | Placerville, 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 Carmichael: FAQ
How many banks are in Carmichael, CA?
Carmichael has 4 banks with 4 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 Carmichael?
Wells Fargo, with 1. U.S. Bank has 1 and BMO has 1.
Is there a Wells Fargo in Carmichael, CA?
Yes. FDIC data lists 1 Wells Fargo branch in Carmichael as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a U.S. Bank in Carmichael, CA?
Yes. FDIC data lists 1 U.S. Bank branch in Carmichael as of September 5, 2026. The address and directions are under U.S. Bank above.
Is there a BMO in Carmichael, CA?
Yes. FDIC data lists 1 BMO branch in Carmichael as of September 5, 2026. The address and directions are under BMO above.
Is there a Chase in Carmichael, CA?
No. FDIC data lists no Chase branch in Carmichael as of September 5, 2026. The nearest is in Sacramento, about 2 miles away in a straight line.
Which banks in Carmichael are open on Saturday?
U.S. Bank and the Golden 1 Credit Union publish Saturday hours for one or more Carmichael locations. The Saturday section above lists each one with its hours. 1 of the 5 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Carmichael?
U.S. Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1863.
Which credit unions can I join in Carmichael?
the Golden 1 Credit Union has an office in Carmichael. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Carmichael 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 Carmichael?
Nearby cities with more banks include Gold River, Citrus Heights, Rancho Cordova. Gold River is 4 miles away with 3 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 (3 of 4 branches: BMO, 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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