US Bank Directory
Banks in Gilroy, CA
7 FDIC-insured banks operate 8 offices in Gilroy, California, and 4 credit unions have 4 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: Gilroy
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: 11 banks and credit unions operate 12 locations in Gilroy, according to the FDIC and the NCUA. 11 of them have coordinates on record and are on the map. 10 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
11 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 Gilroy
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Wells Fargo has the most locations in Gilroy, with 2. The other 6 each 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.
Wells Fargo Bank · 2
Wells Fargo has 2 branches in Gilroy, 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 Gilroy location is the Gilroy Branch at 273 E 10th St, dating to 1912; the newest, at 777 1st St, to 1997. All 2 of its Gilroy locations with published hours open on Saturday.
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Gilroy Branch273 E 10th St, 95020
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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First And Wren Branch777 1st St, 95020
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
Bank of America Bank · 1
Bank of America has 1 branch in Gilroy, 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 South Gilroy Branch at 7111 Camino Arroyo dates to 2004 in FDIC branch records. Its published hours do not list Saturday.
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South Gilroy Branch7111 Camino Arroyo, 95020
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat to Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
BMO Bank · 1
BMO has 1 branch in Gilroy, 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 Gilroy Branch at 7865 Monterey St dates to 1964 in FDIC branch records. It opens on Saturday.
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Gilroy Branch7865 Monterey St, 95020
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: BMO branch locator (All The Places), checked Oct 10, 2026
Chase Bank · 1
Chase has 1 branch in Gilroy, 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 Gilroy Branch at 1177 1st St dates to 1965 in FDIC branch records. It opens on Saturday.
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Gilroy Branch1177 1st St, 95020
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
Citizens Equity First Credit Union Credit union · 1
Citizens Equity First Credit Union has 1 office in Gilroy, 7 across California. It is based in Peoria, IL and $8.61 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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Gilroy Member Center681 Leavesley Rd Ste. C110, 95020
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 2 pm; Sun not published
Hours: NCUA, March 31, 2026
Commonwealth Central Credit Union Credit union · 1
Commonwealth Central Credit Union has 1 office in Gilroy, 5 across California. It is based in San Jose, CA and $626.9 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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Gilroy Branch8000 Santa Teresa Blvd, 95020
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Mechanics Bank Bank · 1
Mechanics Bank has 1 branch in Gilroy, 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 Gilroy Branch at 805 1st St dates to 2002 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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Gilroy Branch805 1st St, 95020
Mirastar Credit Union Credit union · 1
Mirastar Credit Union has 1 office in Gilroy, 7 across California. It is based in San Jose, CA and $1.04 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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Gilroy Branch6915 Camino Arroyo, 95020
All hours
Mon to Thu 10 am to 5:30 pm; Fri 10 am to 6 pm; Sat 10 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
Pinnacle Bank Bank · 1
Pinnacle Bank has 1 branch in Gilroy, 4 across California and 4 nationwide. FDIC records list its main office in Gilroy, CA and show it operating since 2006. With $937.0 million in total assets on June 30, 2026, it ranks No. 1,110 of 4,232 U.S. banks by total assets. Its main office at 7597 Monterey St dates to 2006 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 office7597 Monterey St, 95020
Premier One Credit Union Credit union · 1
Premier One Credit Union has 1 office in Gilroy, 6 across California. It is based in San Jose, CA and $656.4 million 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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Gilroy1415 1St St Ste 101, 95020
All hours
Mon to Thu 10 am to 5 pm; Fri 10 am to 6 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 Gilroy, 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 Gilroy Branch at 790 1st St dates to 1983 in FDIC branch records. It opens on Saturday.
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Gilroy Branch790 1st St, 95020
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
Join a credit union in Gilroy
4 credit unions have 4 offices here: Citizens Equity First Credit Union, Mirastar Credit Union, Premier One Credit Union and Commonwealth Central 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 Gilroy page has every office in the state's directory.
Banking in Gilroy: the local picture
Short answer: 7 banks run 8 branches in Gilroy 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, 1 has its main office in Gilroy, 1 elsewhere in California and 5 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 Wells Fargo's office at 273 E 10th St, dating to 1912; the newest is Pinnacle Bank's at 7597 Monterey St, from 2006.
4 credit unions have 4 offices in Gilroy, according to the NCUA. Who can join each one is on the credit unions page.
Of the 10 locations with published hours. 8 open on Saturday. 2 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Gilroy
Short answer: 8 of the 10 Gilroy locations with published hours open on Saturday, run by 7 institutions.
- Wells Fargo: 2 of 2 branches (273 E 10th St: Saturday 9 am to 2 pm, and 1 more)
- Chase: 1 of 1 branch (1177 1st St: Saturday 9 am to 2 pm)
- U.S. Bank: 1 of 1 branch (790 1st St: Saturday 9 am to 1 pm)
- BMO: 1 of 1 branch (7865 Monterey St: Saturday 9 am to 12 pm)
- Citizens Equity First Credit Union: 1 of 1 office (681 Leavesley Rd Ste. C110: Saturday 9 am to 2 pm)
- Mirastar Credit Union: 1 of 1 office (6915 Camino Arroyo: Saturday 10 am to 2 pm)
- Premier One Credit Union: 1 of 1 office (1415 1St St Ste 101: 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; 2 of the 12 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 Gilroy, and where the nearest one is if they do not.
Short answer: In Gilroy: Chase (1), Wells Fargo (2), Bank of America (1), U.S. Bank (1), BMO (1). No branches in Gilroy: PNC Bank (nearest in Campbell, 28 mi), Truist, Fifth Third Bank (nearest in Watsonville, 13 mi), Huntington, Regions Bank, TD Bank.
| Bank | In Gilroy | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| Wells Fargo | 2 branches | here |
| Bank of America | 1 branch | here |
| U.S. Bank | 1 branch | here |
| BMO | 1 branch | here |
| PNC Bank | None | Campbell, 28 miles away |
| Truist | None | none in California |
| Fifth Third Bank | None | Watsonville, 13 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 Gilroy 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 Gilroy residents like anyone else.
Banks near Gilroy
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Morgan Hill (9 miles) and Watsonville (12 miles). Salinas, 23 miles away, has the most banks nearby: 11.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Morgan Hill, CA | 9 mi | 8 | 8 |
| Banks in Watsonville, CA | 12 mi | 7 | 8 |
| Banks in Hollister, CA | 15 mi | 6 | 7 |
| Banks in Aptos, CA | 18 mi | 6 | 6 |
| Banks in Capitola, CA | 21 mi | 7 | 7 |
| Banks in Salinas, CA | 23 mi | 11 | 23 |
| Banks in Santa Cruz, CA | 25 mi | 8 | 9 |
| Banks in Scotts Valley, CA | 25 mi | 5 | 5 |
Bank branch openings and closings in Gilroy
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Gilroy 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 Gilroy
Short answer: 1 institution has its main office in Gilroy: Pinnacle Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Pinnacle Bank | Bank | $937.0 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Gilroy by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Gilroy offices.
Short answer: Chase is the largest bank with offices in Gilroy, 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 7 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 | 1 | 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 |
| BMO | $254.97 billion | No. 16 | 1 | Chicago, IL |
| Mechanics Bank | $21.25 billion | No. 102 | 1 | Walnut Creek, CA |
| Pinnacle Bank | $937.0 million | No. 1,110 | 1 | Gilroy, 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 Gilroy: FAQ
How many banks are in Gilroy, CA?
Gilroy has 7 banks with 8 branches and 4 credit unions with 4 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 Gilroy?
Wells Fargo, with 2. Chase has 1 and Bank of America has 1.
Is there a Wells Fargo in Gilroy, CA?
Yes. FDIC data lists 2 Wells Fargo branches in Gilroy as of September 5, 2026. Its branches are listed under Wells Fargo above, with the address and directions for each.
Is there a Chase in Gilroy, CA?
Yes. FDIC data lists 1 Chase branch in Gilroy as of September 5, 2026. The address and directions are under Chase above.
Is there a Bank of America in Gilroy, CA?
Yes. FDIC data lists 1 Bank of America branch in Gilroy as of September 5, 2026. The address and directions are under Bank of America above.
Is there a PNC Bank in Gilroy, CA?
No. FDIC data lists no PNC Bank branch in Gilroy as of September 5, 2026. The nearest is in Campbell, about 28 miles away in a straight line.
Which banks in Gilroy are open on Saturday?
Wells Fargo, Chase, U.S. Bank and BMO and 3 more publish Saturday hours for one or more Gilroy locations. The Saturday section above lists each one with its hours. 2 of the 12 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Gilroy?
Pinnacle Bank has its main office in Gilroy, according to the FDIC.
What is the oldest bank in Gilroy?
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 Gilroy?
Citizens Equity First Credit Union, Mirastar Credit Union, Premier One Credit Union and Commonwealth Central Credit Union have offices in Gilroy. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Gilroy 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 Gilroy?
Nearby cities with more banks include Morgan Hill, Watsonville, Hollister. Morgan Hill is 9 miles away with 8 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 (6 of 8 branches: BMO, 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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