US Bank Directory
Banks in Half Moon Bay, CA
5 FDIC-insured banks operate 5 offices in Half Moon Bay, 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: Half Moon Bay
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 6 locations in Half Moon Bay, according to the FDIC and the NCUA. 6 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
6 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 Half Moon Bay
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 5 banks share the most locations in Half Moon Bay, with 1 each. 5 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 Half Moon Bay, 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 Half Moon Bay Branch at 620 Main St dates to 1927 in FDIC branch records. Its published hours do not list Saturday.
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Half Moon Bay Branch620 Main St, 94019
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
Chase Bank · 1
Chase has 1 branch in Half Moon Bay, 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 Half Moon Bay Branch at 80 Cabrillo Hwy Ste E dates to 2024 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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Half Moon Bay Branch80 Cabrillo Hwy Ste E, 94019
Monterra Credit Union Credit union · 1
Monterra Credit Union has 1 office in Half Moon Bay, 10 across California. It is based in Redwood City, CA and $1.92 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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Half Moon Bay Branch40 Cabrillo Hwy N, 94019
All hours
Mon to 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
Tri Counties Bank Bank · 1
Tri Counties Bank has 1 branch in Half Moon Bay, 77 across California and 77 nationwide. FDIC records list its main office in Chico, CA and show it operating since 1975. With $9.93 billion in total assets on June 30, 2026, it ranks No. 162 of 4,232 U.S. banks by total assets. The Half Moon Bay Branch at 756 Main St dates to 1982 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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Half Moon Bay Branch756 Main St, 94019
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Half Moon Bay, 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 Half Moon Bay Branch at 50 Cabrillo Hwy N dates to 1890 in FDIC branch records. It opens on Saturday.
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Half Moon Bay Branch50 Cabrillo Hwy N, 94019
All hours
Mon 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
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Half Moon Bay, 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 Half Moon Bay Branch at 132 San Mateo Rd dates to 1972 in FDIC branch records. It opens on Saturday.
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Half Moon Bay Branch132 San Mateo Rd, 94019
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
Join a credit union in Half Moon Bay
1 credit union has 1 office here: Monterra 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 Half Moon Bay page has every office in the state's directory.
Banking in Half Moon Bay: the local picture
Short answer: 5 banks run 5 branches in Half Moon Bay 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 Half Moon Bay, 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 U.S. Bank's office at 50 Cabrillo Hwy N, dating to 1890; the newest is Chase's at 80 Cabrillo Hwy Ste E, from 2024.
The only credit union with an office here is Monterra Credit Union.
Of the 4 locations with published hours. 3 open on Saturday. 2 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Half Moon Bay
Short answer: 3 of the 4 Half Moon Bay locations with published hours open on Saturday, run by 3 institutions.
- Wells Fargo: 1 of 1 branch (132 San Mateo Rd: Saturday 9 am to 2 pm)
- U.S. Bank: 1 of 1 branch (50 Cabrillo Hwy N: Saturday 9 am to 1 pm)
- Monterra Credit Union: 1 of 1 office (40 Cabrillo Hwy N: 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; 2 of the 6 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 Half Moon Bay, and where the nearest one is if they do not.
Short answer: In Half Moon Bay: Chase (1), Wells Fargo (1), Bank of America (1), U.S. Bank (1). No branches in Half Moon Bay: PNC Bank (nearest in Burlingame, 9 mi), Truist, Fifth Third Bank (nearest in San Mateo, 9 mi), Huntington, Regions Bank, TD Bank, BMO (nearest in Burlingame, 9 mi).
| Bank | In Half Moon Bay | 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 |
| PNC Bank | None | Burlingame, 9 miles away |
| Truist | None | none in California |
| Fifth Third Bank | None | San Mateo, 9 miles away |
| Huntington | None | none in California |
| Regions Bank | None | none in California |
| TD Bank | None | none in California |
| BMO | None | Burlingame, 9 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Half Moon Bay 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 Half Moon Bay residents like anyone else.
Banks near Half Moon Bay
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Belmont (9 miles) and San Mateo (9 miles). San Mateo, 9 miles away, has the most banks nearby: 19.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Belmont, CA | 9 mi | 3 | 3 |
| Banks in San Mateo, CA | 9 mi | 19 | 27 |
| Banks in Burlingame, CA | 9 mi | 12 | 14 |
| Banks in Millbrae, CA | 10 mi | 13 | 14 |
| Banks in San Carlos, CA | 10 mi | 7 | 7 |
| Banks in Pacifica, CA | 10 mi | 5 | 5 |
| Banks in Foster City, CA | 11 mi | 5 | 5 |
| Banks in Redwood City, CA | 11 mi | 10 | 18 |
Bank branch openings and closings in Half Moon Bay
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Half Moon Bay between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Half Moon Bay by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Half Moon Bay offices.
Short answer: Chase is the largest bank with offices in Half Moon Bay, 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 |
| Tri Counties Bank | $9.93 billion | No. 162 | 1 | Chico, 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 Half Moon Bay: FAQ
How many banks are in Half Moon Bay, CA?
Half Moon Bay has 5 banks with 5 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 Half Moon Bay?
Chase, with 1. Bank of America has 1 and Wells Fargo has 1.
Is there a Chase in Half Moon Bay, CA?
Yes. FDIC data lists 1 Chase branch in Half Moon Bay as of September 5, 2026. The address and directions are under Chase above.
Is there a Bank of America in Half Moon Bay, CA?
Yes. FDIC data lists 1 Bank of America branch in Half Moon Bay as of September 5, 2026. The address and directions are under Bank of America above.
Is there a Wells Fargo in Half Moon Bay, CA?
Yes. FDIC data lists 1 Wells Fargo branch in Half Moon Bay as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a PNC Bank in Half Moon Bay, CA?
No. FDIC data lists no PNC Bank branch in Half Moon Bay as of September 5, 2026. The nearest is in Burlingame, about 9 miles away in a straight line.
Which banks in Half Moon Bay are open on Saturday?
Wells Fargo, U.S. Bank and Monterra Credit Union publish Saturday hours for one or more Half Moon Bay locations. The Saturday section above lists each one with its hours. 2 of the 6 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Half Moon Bay?
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 Half Moon Bay?
Monterra Credit Union has an office in Half Moon Bay. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Half Moon Bay 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 Half Moon Bay?
Nearby cities with more banks include Belmont, San Mateo, Burlingame. Belmont is 9 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 5 branches: Bank of America, 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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