US Bank Directory
Banks in Ridgecrest, CA
1 FDIC-insured bank operates 1 office in Ridgecrest, California, and 3 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: Ridgecrest
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 5 locations in Ridgecrest, according to the FDIC and the NCUA. 5 of them have coordinates on record and are on the map. 5 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
5 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 Ridgecrest
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: U.S. Bank is the only bank with an office in Ridgecrest. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Altaone Credit Union Credit union · 2
Altaone Credit Union has 2 officees in Ridgecrest, 12 across California. It is based in Ridgecrest, CA and $974.0 million in assets on March 31, 2026, according to its NCUA call report. 1 of its 2 Ridgecrest locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office701 S China Lake Blvd, 93555
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
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Ridgecrest - North1450 N Norma St, 93555
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Desert Valleys Credit Union Credit union · 1
Desert Valleys Credit Union has 1 office in Ridgecrest, 2 across California. It is based in Ridgecrest, CA and $89.4 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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Main Office main office100 E Ward Ave, 93555
All hours
Mon to Fri 10 am to 6 pm; Sat 10 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
Navy Federal Credit Union Credit union · 1
Navy Federal Credit Union has 1 office in Ridgecrest, 54 across California. It is based in Vienna, VA and $203.56 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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Ridgecrest Ca234 Balsam St, 93555
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Ridgecrest, 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 Ridgecrest Branch at 144 N China Lake Blvd dates to 1972 in FDIC branch records. Its published hours do not list Saturday.
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Ridgecrest Branch144 N China Lake Blvd, 93555
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
Join a credit union in Ridgecrest
3 credit unions have 4 offices here: Altaone Credit Union, Navy Federal Credit Union and Desert Valleys 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 Ridgecrest page has every office in the state's directory.
Banking in Ridgecrest: the local picture
Short answer: 1 bank runs 1 branch in Ridgecrest according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
U.S. Bank has its main office in Cincinnati, OH, according to the FDIC.
The bank with the longest record here is U.S. Bank, operating since 1863 according to the FDIC.
3 credit unions have 4 offices in Ridgecrest, according to the NCUA. Who can join each one is on the credit unions page.
Of the 5 locations with published hours. 3 open on Saturday.
Credit unions open on Saturday in Ridgecrest
Short answer: 3 of the 5 Ridgecrest locations with published hours open on Saturday, run by 3 institutions.
- Altaone Credit Union: 1 of 2 offices (701 S China Lake Blvd: Saturday 9 am to 2 pm)
- Navy Federal Credit Union: 1 of 1 office (234 Balsam St: Saturday 9 am to 2 pm)
- Desert Valleys Credit Union: 1 of 1 office (100 E Ward Ave: 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. 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 Ridgecrest, and where the nearest one is if they do not.
Short answer: In Ridgecrest: U.S. Bank (1). No branches in Ridgecrest: Chase (nearest in Barstow, 63 mi), Wells Fargo (nearest in Lancaster, 69 mi), Bank of America (nearest in Barstow, 62 mi), PNC Bank (nearest in Ontario, 108 mi), Truist, Fifth Third Bank (nearest in Rancho Cucamonga, 105 mi), Huntington, Regions Bank, TD Bank, BMO (nearest in Tehachapi, 57 mi).
| Bank | In Ridgecrest | Nearest branch if none here |
|---|---|---|
| U.S. Bank | 1 branch | here |
| Chase | None | Barstow, 63 miles away |
| Wells Fargo | None | Lancaster, 69 miles away |
| Bank of America | None | Barstow, 62 miles away |
| PNC Bank | None | Ontario, 108 miles away |
| Truist | None | none in California |
| Fifth Third Bank | None | Rancho Cucamonga, 105 miles away |
| Huntington | None | none in California |
| Regions Bank | None | none in California |
| TD Bank | None | none in California |
| BMO | None | Tehachapi, 57 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Ridgecrest 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 Ridgecrest residents like anyone else.
Banks near Ridgecrest
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Tehachapi (56 miles) and Barstow (62 miles). Bakersfield, 80 miles away, has the most banks nearby: 14.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Tehachapi, CA | 56 mi | 2 | 2 |
| Banks in Barstow, CA | 62 mi | 4 | 4 |
| Banks in Lancaster, CA | 71 mi | 7 | 15 |
| Banks in Palmdale, CA | 76 mi | 5 | 11 |
| Banks in Adelanto, CA | 78 mi | 4 | 4 |
| Banks in Bakersfield, CA | 80 mi | 14 | 50 |
| Banks in Victorville, CA | 80 mi | 5 | 9 |
| Banks in Porterville, CA | 82 mi | 6 | 8 |
Bank branch openings and closings in Ridgecrest
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Ridgecrest 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 Ridgecrest
Short answer: 2 institutions have their main office in Ridgecrest: Altaone Credit Union and Desert Valleys Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Altaone Credit Union | Credit union | $974.0 million | 2 |
| Desert Valleys Credit Union | Credit union | $89.4 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Ridgecrest by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Ridgecrest offices.
Short answer: U.S. Bank is the largest bank with offices in Ridgecrest, with $705.55 billion in total assets on June 30, 2026, No. 6 among U.S. banks by total assets. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
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 Ridgecrest: FAQ
How many banks are in Ridgecrest, CA?
Ridgecrest has 1 bank with 1 branch and 3 credit unions with 4 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Is there a U.S. Bank in Ridgecrest, CA?
Yes. FDIC data lists 1 U.S. Bank branch in Ridgecrest as of September 5, 2026. The address and directions are under U.S. Bank above.
Is there a Chase in Ridgecrest, CA?
No. FDIC data lists no Chase branch in Ridgecrest as of September 5, 2026. The nearest is in Barstow, about 63 miles away in a straight line.
Which banks in Ridgecrest are open on Saturday?
Altaone Credit Union, Navy Federal Credit Union and Desert Valleys Credit Union publish Saturday hours for one or more Ridgecrest locations. The Saturday section above lists each one with its hours.
Which banks are headquartered in Ridgecrest?
Altaone Credit Union and Desert Valleys Credit Union have their main office in Ridgecrest, according to the FDIC and the NCUA.
What is the oldest bank in Ridgecrest?
U.S. Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1863.
Which credit unions can I join in Ridgecrest?
Altaone Credit Union, Navy Federal Credit Union and Desert Valleys Credit Union have offices in Ridgecrest. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Ridgecrest 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 Ridgecrest?
Nearby cities with more banks include Tehachapi, Barstow, Lancaster. Tehachapi is 56 miles away with 2 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 4 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 (1 of 1 branches: U.S. Bank) | 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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