Banks in Morro Bay, CA

Bank branch map: Morro 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: 4 banks and credit unions operate 4 locations in Morro Bay, according to the FDIC. 4 of them have coordinates on record and are on the map. 3 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 Morro Bay

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 Morro Bay, 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.

Chase JPMorgan Chase Bank, National Association · 1 branch · main office Columbus, OH Bank · 1

Chase has 1 branch in Morro 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 Morro Bay Branch at 595 Morro Bay Bavd dates to 1934 in FDIC branch records. It opens on Saturday.

• Morro Bay Branch

  595 Morro Bay Bavd, 93442

  (805) 772-4478Today 9 am to 5 pm

  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

  DirectionsBranch page

Chase: profile, branches and contacts

Columbia Bank 1 branch · main office Roseburg, OR Bank · 1

Columbia Bank has 1 branch in Morro Bay, 105 across California and 369 nationwide. FDIC records list its main office in Roseburg, OR and show it operating since 1953. With $65.37 billion in total assets on June 30, 2026, it ranks No. 44 of 4,232 U.S. banks by total assets. The Morro Bay Branch at 898 Morro Bay Blvd dates to 1998 in FDIC branch records. Its published hours do not list Saturday.

• Morro Bay Branch

  898 Morro Bay Blvd, 93442

  (805) 995-4355Today 9 am to 4 pm

  All hours

  Mon to Fri 9 am to 4 pm; Sat to Sun closed

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

  DirectionsBranch page

Columbia Bank: profile, branches and contacts

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

Mechanics Bank has 1 branch in Morro Bay, 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 Morro Bay Branch at 251 Harbor St dates to 1973 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Morro Bay Branch

  251 Harbor St, 93442

  Hours: see the bank's site
  DirectionsWebsite

Mechanics Bank: profile, branches and contacts

Wells Fargo Wells Fargo Bank, National Association · 1 branch · main office Sioux Falls, SD Bank · 1

Wells Fargo has 1 branch in Morro 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 Albertsons Morro Bay Branch at 730 Quintana Rd dates to 1997 in FDIC branch records. It opens on Saturday.

• Albertsons Morro Bay Branch

  730 Quintana Rd, 93442

  (805) 771-8310Today 9 am to 5 pm

  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

  DirectionsBranch page

Wells Fargo: profile, branches and contacts

Banking in Morro Bay: the local picture

Short answer: 4 banks run 4 branches in Morro 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 4 banks, 0 have their main office in Morro Bay, 1 elsewhere in California and 3 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 595 Morro Bay Bavd, dating to 1934; the newest is Columbia Bank's at 898 Morro Bay Blvd, from 1998.

Of the 3 locations with published hours. 2 open on Saturday. 1 location has no published hours in these sources.

Banks open on Saturday in Morro Bay

Short answer: 2 of the 3 Morro Bay locations with published hours open on Saturday, run by 2 institutions.

• Chase: 1 of 1 branch (595 Morro Bay Bavd: Saturday 9 am to 2 pm)
• Wells Fargo: 1 of 1 branch (730 Quintana Rd: Saturday 9 am to 2 pm)

Bank branches show hours only where the bank publishes them in a source this page uses; 1 of the 4 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 Morro Bay, and where the nearest one is if they do not.

Short answer: In Morro Bay: Chase (1), Wells Fargo (1). No branches in Morro Bay: Bank of America (nearest in San Luis Obispo, 12 mi), PNC Bank (nearest in Fresno, 115 mi), U.S. Bank (nearest in San Luis Obispo, 12 mi), Truist, Fifth Third Bank (nearest in Salinas, 101 mi), Huntington, Regions Bank, TD Bank, BMO (nearest in Corcoran, 88 mi).

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

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 Morro Bay residents like anyone else.

Banks near Morro 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 Los Osos (4 miles) and San Luis Obispo (12 miles). San Luis Obispo, 12 miles away, has the most banks nearby: 14.

Bank branch openings and closings in Morro Bay

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

Short answer: FDIC branch records show no bank branch openings in Morro 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 Morro Bay by total assets

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

Short answer: Chase is the largest bank with offices in Morro Bay, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. Wells Fargo is second with $1.91 trillion. 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 Morro Bay: FAQ

How we build this page

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