US Bank Directory
Banks in Encinitas, CA
11 FDIC-insured banks operate 14 offices in Encinitas, 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: Encinitas
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: 14 banks and credit unions operate 17 locations in Encinitas, according to the FDIC and the NCUA. 17 of them have coordinates on record and are on the map. 11 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
17 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 Encinitas
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: U.S. Bank has the most locations in Encinitas, with 3. It is followed by Chase (2). 9 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.
U.S. Bank Bank · 3
U.S. Bank has 3 branches in Encinitas, 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. In FDIC branch records, its longest-running Encinitas location is the Encinitas Branch at 200 W D St, dating to 1959; the newest, at 1074 N El Camino Real, to 1997. 1 of its 3 Encinitas locations with published hours open on Saturday.
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Encinitas Branch1074 N El Camino Real, 92024
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
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Encinitas Branch200 W D St, 92024
All hours
Mon 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
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East Encinitas Branch247 N El Camino Real, 92024
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
Chase Bank · 2
Chase has 2 branches in Encinitas, 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 Encinitas location is the Encinitas Branch at 105 N El Camino Real, dating to 1957; the newest, at 1080 N El Camino Real, to 2012. All 2 of its Encinitas locations with published hours open on Saturday.
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Encinitas Branch105 N El Camino Real, 92024
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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El Camino Real & Leucadia Banking Center1080 N El Camino Real, 92024
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
Banc of California Bank · 1
Banc of California has 1 branch in Encinitas, 83 across California and 87 nationwide. FDIC records list its main office in Los Angeles, CA and show it operating since 1982. With $34.90 billion in total assets on June 30, 2026, it ranks No. 62 of 4,232 U.S. banks by total assets. The Encinitas Branch at 191 N El Camino Real dates to 2005 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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Encinitas Branch191 N El Camino Real, 92024
Bank of America Bank · 1
Bank of America has 1 branch in Encinitas, 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 Rancho Encinitas Branch at 1340 Encinitas Blvd dates to 1976 in FDIC branch records. It opens on Saturday.
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Rancho Encinitas Branch1340 Encinitas Blvd, 92024
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
Beach Cities Commercial Bank Bank · 1
Beach Cities Commercial Bank has 1 branch in Encinitas, 2 across California and 2 nationwide. FDIC records list its main office in Irvine, CA and show it operating since 2023. With $188.9 million in total assets on June 30, 2026, it ranks No. 3,071 of 4,232 U.S. banks by total assets. The Encinitas Branch at 171 Saxony Rd dates to 2023 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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Encinitas Branch171 Saxony Rd, 92024
C3bank Bank · 1
C3bank has 1 branch in Encinitas, 4 across California and 5 nationwide. FDIC records list its main office in Encinitas, CA and show it operating since 1984. With $949.3 million in total assets on June 30, 2026, it ranks No. 1,095 of 4,232 U.S. banks by total assets. Its main office at 850 S Coast Highway 101 dates to 1984 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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Main Office main office850 S Coast Highway 101, 92024
California Coast Credit Union Credit union · 1
California Coast Credit Union has 1 office in Encinitas, 27 across California. It is based in San Diego, CA and $3.47 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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Encinitas429 Santa Fe Dr, 92024
All hours
Mon to Thu 9 am to 5 pm; Fri to Sun not published
Hours: NCUA, March 31, 2026
Citibank Bank · 1
Citibank has 1 branch in Encinitas, 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 Encinitas at 109 N El Camino Real dates to 1934 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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Encinitas109 N El Camino Real, 92024
Enterprise Bank & Trust Bank · 1
Enterprise Bank & Trust has 1 branch in Encinitas, 10 across California and 57 nationwide. FDIC records list its main office in Clayton, MO and show it operating since 1988. With $17.36 billion in total assets on June 30, 2026, it ranks No. 115 of 4,232 U.S. banks by total assets. The Encinitas Branch at 277 N El Camino Real dates to 2015 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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Encinitas Branch277 N El Camino Real, 92024
Fifth Third Bank Bank · 1
Fifth Third Bank has 1 branch in Encinitas, 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 Encinitas Branch at 110 S El Camino Real dates to 2006 in FDIC branch records. Its published hours do not list Saturday.
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Encinitas Branch110 S El Camino Real, 92024
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat to Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
Mission Credit Union Credit union · 1
Mission Credit Union has 1 office in Encinitas, 36 across California. It is based in San Diego, CA and $7.23 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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Encinitas294 N El Camino Real, 92024
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 4 pm; Sun not published
Hours: NCUA, March 31, 2026
San Diego County Credit Union Credit union · 1
San Diego County Credit Union has 1 office in Encinitas, 40 across California. It is based in San Diego, CA and $9.38 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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Branch 6 Encinitas501 N El Camino Real, 92024
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Encinitas, 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 Encinitas Branch at 276 N El Camino Real dates to 1981 in FDIC branch records. It opens on Saturday.
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Encinitas Branch276 N El Camino Real, 92024
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
Zions Bancorporation Bank · 1
Zions Bancorporation has 1 branch in Encinitas, 78 across California and 413 nationwide. FDIC records list its main office in Salt Lake City, UT and show it operating since 1873. With $89.04 billion in total assets on June 30, 2026, it ranks No. 35 of 4,232 U.S. banks by total assets. The Encinitas Branch at 135 Saxony Rd dates to 1980 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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Encinitas Branch135 Saxony Rd, 92024
Join a credit union in Encinitas
3 credit unions have 3 offices here: San Diego County Credit Union, Mission Credit Union and California Coast 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 Encinitas page has every office in the state's directory.
Banking in Encinitas: the local picture
Short answer: 11 banks run 14 branches in Encinitas 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 11 banks, 1 has its main office in Encinitas, 2 elsewhere in California and 8 out of state, according to the FDIC.
The bank with the longest record here is Citibank, operating since 1812 according to the FDIC. In FDIC branch records, the longest-running branch is Citibank's office at 109 N El Camino Real, dating to 1934; the newest is Beach Cities Commercial Bank's at 171 Saxony Rd, from 2023.
3 credit unions have 3 offices in Encinitas, according to the NCUA. Who can join each one is on the credit unions page.
Of the 11 locations with published hours. 7 open on Saturday. 6 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Encinitas
Short answer: 7 of the 11 Encinitas locations with published hours open on Saturday, run by 6 institutions.
- U.S. Bank: 1 of 3 branches (247 N El Camino Real: Saturday 9 am to 1 pm)
- Chase: 2 of 2 branches (105 N El Camino Real: Saturday 9 am to 2 pm, and 1 more)
- Bank of America: 1 of 1 branch (1340 Encinitas Blvd: Saturday 9 am to 4 pm)
- Wells Fargo: 1 of 1 branch (276 N El Camino Real: Saturday 9 am to 2 pm)
- San Diego County Credit Union: 1 of 1 office (501 N El Camino Real: Saturday 9 am to 2 pm)
- Mission Credit Union: 1 of 1 office (294 N El Camino Real: Saturday 9 am to 4 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; 6 of the 17 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 Encinitas, and where the nearest one is if they do not.
Short answer: In Encinitas: Chase (2), Wells Fargo (1), Bank of America (1), U.S. Bank (3), Fifth Third Bank (1). No branches in Encinitas: PNC Bank (nearest in Carlsbad, 3 mi), Truist, Huntington, Regions Bank, TD Bank, BMO (nearest in La Jolla, 13 mi).
| Bank | In Encinitas | Nearest branch if none here |
|---|---|---|
| Chase | 2 branches | here |
| Wells Fargo | 1 branch | here |
| Bank of America | 1 branch | here |
| U.S. Bank | 3 branches | here |
| Fifth Third Bank | 1 branch | here |
| PNC Bank | None | Carlsbad, 3 miles away |
| Truist | None | none in California |
| Huntington | None | none in California |
| Regions Bank | None | none in California |
| TD Bank | None | none in California |
| BMO | None | La Jolla, 13 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Encinitas 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 Encinitas residents like anyone else.
Banks near Encinitas
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Solana Beach (4 miles) and Rancho Santa Fe (4 miles). Carlsbad, 5 miles away, has the most banks nearby: 19.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Solana Beach, CA | 4 mi | 7 | 7 |
| Banks in Rancho Santa Fe, CA | 4 mi | 5 | 5 |
| Banks in Carlsbad, CA | 5 mi | 19 | 35 |
| Banks in Del Mar, CA | 5 mi | 6 | 8 |
| Banks in San Marcos, CA | 7 mi | 9 | 11 |
| Banks in Vista, CA | 10 mi | 8 | 11 |
| Banks in Oceanside, CA | 11 mi | 5 | 12 |
| Banks in Escondido, CA | 12 mi | 11 | 19 |
Bank branch openings and closings in Encinitas
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Encinitas 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 Encinitas
Short answer: 1 institution has its main office in Encinitas: C3bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| C3bank | Bank | $949.3 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Encinitas by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Encinitas offices.
Short answer: Chase is the largest bank with offices in Encinitas, 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. 1 of the 11 bank is headquartered here. 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 | 2 | Columbus, OH |
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Citibank | $1.98 trillion | No. 3 | 1 | Sioux Falls, SD |
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| U.S. Bank | $705.55 billion | No. 6 | 3 | Cincinnati, OH |
| Fifth Third Bank | $299.18 billion | No. 14 | 1 | Cincinnati, OH |
| Zions Bancorporation | $89.04 billion | No. 35 | 1 | Salt Lake City, UT |
| Banc of California | $34.90 billion | No. 62 | 1 | Los Angeles, CA |
| Enterprise Bank & Trust | $17.36 billion | No. 115 | 1 | Clayton, MO |
| C3bank | $949.3 million | No. 1,095 | 1 | Encinitas, 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 Encinitas: FAQ
How many banks are in Encinitas, CA?
Encinitas has 11 banks with 14 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 Encinitas?
U.S. Bank, with 3. Chase has 2 and Bank of America has 1.
Is there a U.S. Bank in Encinitas, CA?
Yes. FDIC data lists 3 U.S. Bank branches in Encinitas as of September 5, 2026. Its branches are listed under U.S. Bank above, with the address and directions for each.
Is there a Chase in Encinitas, CA?
Yes. FDIC data lists 2 Chase branches in Encinitas as of September 5, 2026. Its branches are listed under Chase above, with the address and directions for each.
Is there a Bank of America in Encinitas, CA?
Yes. FDIC data lists 1 Bank of America branch in Encinitas as of September 5, 2026. The address and directions are under Bank of America above.
Is there a PNC Bank in Encinitas, CA?
No. FDIC data lists no PNC Bank branch in Encinitas as of September 5, 2026. The nearest is in Carlsbad, about 3 miles away in a straight line.
Which banks in Encinitas are open on Saturday?
U.S. Bank, Chase, Bank of America and Wells Fargo and 2 more publish Saturday hours for one or more Encinitas locations. The Saturday section above lists each one with its hours. 6 of the 17 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Encinitas?
C3bank has its main office in Encinitas, according to the FDIC.
What is the oldest bank in Encinitas?
Citibank has the longest record among banks with a branch here: the FDIC shows it operating since 1812.
Which credit unions can I join in Encinitas?
San Diego County Credit Union, Mission Credit Union and California Coast Credit Union have offices in Encinitas. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Encinitas 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 Encinitas?
Nearby cities with more banks include Solana Beach, Rancho Santa Fe, Carlsbad. Solana Beach is 4 miles away with 7 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 (8 of 14 branches: 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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