Banks in Los Osos, CA

Bank branch map: Los Osos

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: 2 banks and credit unions operate 2 locations in Los Osos, according to the FDIC. 2 of them have coordinates on record and are on the map. 1 publish opening hours.

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 in Los Osos

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: Chase and Mechanics Bank have the most locations in Los Osos, with 1 each. 2 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 JPMorgan Chase Bank, National Association · 1 branch · main office Columbus, OH Bank · 1

Chase has 1 branch in Los Osos, 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 Los Osos Branch at 1045 Los Osos Valley Rd dates to 1919 in FDIC branch records. Its published hours do not list Saturday.

• Los Osos Branch

  1045 Los Osos Valley Rd, 93402

  (805) 528-3661Today 9 am to 5 pm

  All hours

  Mon to Fri 9 am to 5 pm; Sat to Sun not published

  Hours: Chase branch locator (All The Places), checked Oct 10, 2026

  DirectionsBranch page

Chase: profile, branches and contacts

Mechanics Bank 1 branch · main office Walnut Creek, CA Bank · 1

Mechanics Bank has 1 branch in Los Osos, 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 Los Osos Branch at 1001 Los Osos Valley Rd dates to 1965 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Los Osos Branch

  1001 Los Osos Valley Rd, 93402

  Hours: see the bank's site
  DirectionsWebsite

Mechanics Bank: profile, branches and contacts

Banking in Los Osos: the local picture

Short answer: 2 banks run 2 branches in Los Osos 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 2 banks, 0 have their main office in Los Osos, 1 elsewhere in California and 1 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 1045 Los Osos Valley Rd, dating to 1919; the newest is Mechanics Bank's at 1001 Los Osos Valley Rd, from 1965.

Of the 1 location with published hours. None open on Saturday. 1 location has no published hours in these sources.

Saturday hours in Los Osos

Short answer: None of the 1 Los Osos location with published hours lists Saturday hours. 1 location does not publish hours in these sources; call ahead.

Bank branches show hours only where the bank publishes them in a source this page uses; 1 of the 2 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 Los Osos, and where the nearest one is if they do not.

Short answer: In Los Osos: Chase (1). No branches in Los Osos: Wells Fargo (nearest in Morro Bay, 4 mi), Bank of America (nearest in San Luis Obispo, 10 mi), PNC Bank (nearest in Fresno, 118 mi), U.S. Bank (nearest in San Luis Obispo, 10 mi), Truist, Fifth Third Bank (nearest in Salinas, 105 mi), Huntington, Regions Bank, TD Bank, BMO (nearest in Santa Barbara, 86 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Los Osos 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%.

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 Los Osos residents like anyone else.

Banks near Los Osos

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Morro Bay (4 miles) and San Luis Obispo (10 miles). San Luis Obispo, 10 miles away, has the most banks nearby: 14.

Bank branch openings and closings in Los Osos

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Los Osos between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Los Osos by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Los Osos offices.

Short answer: Chase is the largest bank with offices in Los Osos, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. Mechanics Bank is second with $21.25 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

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 Los Osos: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.