US Bank Directory
Banks in San Luis Obispo, CA
14 FDIC-insured banks operate 16 offices in San Luis Obispo, California, and 4 credit unions have 6 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: San Luis Obispo
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: 18 banks and credit unions operate 22 locations in San Luis Obispo, according to the FDIC and the NCUA. 22 of them have coordinates on record and are on the map. 12 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
22 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 San Luis Obispo
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: UMB Bank and Mechanics Bank have the most locations in San Luis Obispo, with 2 each. 12 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.
Sesloc Credit Union Credit union · 3
Sesloc Credit Union has 3 officees in San Luis Obispo, 7 across California. It is based in San Luis Obispo, CA and $1.25 billion in assets on March 31, 2026, according to its NCUA call report. None of its 3 San Luis Obispo locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Main Office main office3855 Broad St, 93401
All hours
Mon to Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Cal Poly Branch1 Grand Ave Bldg 65 Room 103, 93407
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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San Luis Obispo Branch3807 Broad St, 93401
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Mechanics Bank Bank · 2
Mechanics Bank has 2 branches in San Luis Obispo, 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. In FDIC branch records, its longest-running San Luis Obispo location is the San Luis Obispo Branch at 75 Santa Rosa St, dating to 1972; the newest, at 2276 Broad St, to 1982. It does not publish hours in the sources this page uses; check its site before you go.
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Broad Street Branch2276 Broad St, 93401
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San Luis Obispo Branch75 Santa Rosa St, 93405
UMB Bank Bank · 2
UMB Bank has 2 branches in San Luis Obispo, 8 across California and 207 nationwide. FDIC records list its main office in Kansas City, MO and show it operating since 1902. With $71.90 billion in total assets on June 30, 2026, it ranks No. 40 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running San Luis Obispo location is the San Luis Obispo Branch at 237 Higuera St, dating to 2005; the newest, at 3211 Broad St, to 2013. Its published hours do not list Saturday.
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San Luis Obispo Branch237 Higuera St, 93401
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: UMB Bank branch locator (All The Places), checked Oct 10, 2026
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San Luis Obispo Branch3211 Broad St, 93401
American Riviera Bank Bank · 1
American Riviera Bank has 1 branch in San Luis Obispo, 9 across California and 9 nationwide. FDIC records list its main office in Santa Barbara, CA and show it operating since 2006. With $1.44 billion in total assets on June 30, 2026, it ranks No. 770 of 4,232 U.S. banks by total assets. The San Luis Obispo Branch at 1085 Higuera St dates to 2019 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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San Luis Obispo Branch1085 Higuera St, 93401
Banc of California Bank · 1
Banc of California has 1 branch in San Luis Obispo, 83 across California and 87 nationwide. FDIC records list its main office in Los Angeles, CA and show it operating since 1982. With $34.90 billion in total assets on June 30, 2026, it ranks No. 62 of 4,232 U.S. banks by total assets. The San Luis Obispo Branch at 1001 Marsh St dates to 1999 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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San Luis Obispo Branch1001 Marsh St, 93401
Bank of America Bank · 1
Bank of America has 1 branch in San Luis Obispo, 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 San Luis Obispo Branch at 1102 Higuera St dates to 1922 in FDIC branch records. Its published hours do not list Saturday.
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San Luis Obispo Branch1102 Higuera St, 93401
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
Bank of the Sierra Bank · 1
Bank of the Sierra has 1 branch in San Luis Obispo, 35 across California and 35 nationwide. FDIC records list its main office in Porterville, CA and show it operating since 1978. With $3.72 billion in total assets on June 30, 2026, it ranks No. 352 of 4,232 U.S. banks by total assets. The San Luis Obispo Branch at 500 Marsh St dates to 1997 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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San Luis Obispo Branch500 Marsh St, 93401
Chase Bank · 1
Chase has 1 branch in San Luis Obispo, 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 Chorro Branch at 1235 Chorro St dates to 1919 in FDIC branch records. It opens on Saturday.
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Chorro Branch1235 Chorro St, 93401
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
Coasthills Credit Union Credit union · 1
Coasthills Credit Union has 1 office in San Luis Obispo, 11 across California. It is based in Santa Maria, CA and $1.77 billion 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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San Luis Obispo751 Marsh St, 93401
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
Columbia Bank Bank · 1
Columbia Bank has 1 branch in San Luis Obispo, 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 Street Branch at 1144 Morro St dates to 1996 in FDIC branch records. Its published hours do not list Saturday.
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Morro Street Branch1144 Morro St, 93401
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun closed
Hours: Columbia Bank branch locator (All The Places), checked Oct 10, 2026
Community West Bank Bank · 1
Community West Bank has 1 branch in San Luis Obispo, 41 across California and 43 nationwide. FDIC records list its main office in Fresno, CA and show it operating since 1980. With $5.02 billion in total assets on June 30, 2026, it ranks No. 289 of 4,232 U.S. banks by total assets. The San Luis Obispo Branch at 4464 Broad St dates to 2016 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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San Luis Obispo Branch4464 Broad St, 93401
Mission Bank Bank · 1
Mission Bank has 1 branch in San Luis Obispo, 8 across California and 8 nationwide. FDIC records list its main office in Bakersfield, CA and show it operating since 1998. With $2.01 billion in total assets on June 30, 2026, it ranks No. 606 of 4,232 U.S. banks by total assets. The San Luis Obispo Business Banking Center Branch at 1150 Osos St dates to 2020 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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San Luis Obispo Business Banking Center Branch1150 Osos St, 93401
Murphy Bank Bank · 1
Murphy Bank has 1 branch in San Luis Obispo, 2 across California and 2 nationwide. FDIC records list its main office in Fresno, CA and show it operating since 1984. With $357.2 million in total assets on June 30, 2026, it ranks No. 2,229 of 4,232 U.S. banks by total assets. The Murphy Bank San Luis Obispo Branch at 892 Aerovista Pl dates to 2018 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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Murphy Bank San Luis Obispo Branch892 Aerovista Pl, 93401
Slo Credit Union Credit union · 1
Slo Credit Union has 1 office in San Luis Obispo, 2 across California. It is based in San Luis Obispo, CA and $29.7 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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Main Office main office1220 Osos St, 93401
All hours
Mon to Fri 9 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
the Golden 1 Credit Union Credit union · 1
the Golden 1 Credit Union has 1 office in San Luis Obispo, 63 across California. It is based in Sacramento, CA and $21.74 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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San Luis Obispo852 E Foothill Blvd, 93405
All hours
Mon to Fri 10 am to 5 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 San Luis Obispo, 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 San Luis Obispo Main Branch at 995 Higuera St dates to 1980 in FDIC branch records. It opens on Saturday.
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San Luis Obispo Main Branch995 Higuera St, 93401
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 San Luis Obispo, 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 San Luis Obispo Branch at 665 Marsh St dates to 1964 in FDIC branch records. It opens on Saturday.
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San Luis Obispo Branch665 Marsh St, 93401
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
West Coast Community Bank Bank · 1
West Coast Community Bank has 1 branch in San Luis Obispo, 11 across California and 10 nationwide. FDIC records list its main office in Santa Cruz, CA and show it operating since 2004. With $2.94 billion in total assets on June 30, 2026, it ranks No. 435 of 4,232 U.S. banks by total assets. The San Luis Obispo Branch at 599 Higuera St dates to 2020 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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San Luis Obispo Branch599 Higuera St, 93401
Join a credit union in San Luis Obispo
4 credit unions have 6 offices here: Sesloc Credit Union, the Golden 1 Credit Union, Coasthills Credit Union and Slo 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 San Luis Obispo page has every office in the state's directory.
Banking in San Luis Obispo: the local picture
Short answer: 14 banks run 16 branches in San Luis Obispo 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 14 banks, 0 have their main office in San Luis Obispo, 8 elsewhere in California and 6 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 1235 Chorro St, dating to 1919; the newest is Mission Bank's at 1150 Osos St, from 2020.
4 credit unions have 6 offices in San Luis Obispo, according to the NCUA. Who can join each one is on the credit unions page.
Of the 12 locations with published hours. 4 open on Saturday. 10 locations have no published hours in these sources.
Banks by ZIP code in San Luis Obispo
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 93401 has the most bank and credit union offices in San Luis Obispo (19), followed by 93405 (2) and 93407 (1). Offices are spread across 3 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 93401 | 19 | 17 | Sesloc Credit Union, UMB Bank, American Riviera Bank |
| 93405 | 2 | 2 | Mechanics Bank, the Golden 1 Credit Union |
| 93407 | 1 | 1 | Sesloc Credit Union |
Banks and credit unions open on Saturday in San Luis Obispo
Short answer: 4 of the 12 San Luis Obispo locations with published hours open on Saturday, run by 4 institutions.
- Chase: 1 of 1 branch (1235 Chorro St: Saturday 9 am to 2 pm)
- Wells Fargo: 1 of 1 branch (665 Marsh St: Saturday 9 am to 2 pm)
- U.S. Bank: 1 of 1 branch (995 Higuera St: Saturday 9 am to 1 pm)
- the Golden 1 Credit Union: 1 of 1 office (852 E Foothill Blvd: 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; 10 of the 22 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 San Luis Obispo, and where the nearest one is if they do not.
Short answer: In San Luis Obispo: Chase (1), Wells Fargo (1), Bank of America (1), U.S. Bank (1). No branches in San Luis Obispo: PNC Bank (nearest in Fresno, 116 mi), Truist, Fifth Third Bank (nearest in Salinas, 111 mi), Huntington, Regions Bank, TD Bank, BMO (nearest in Santa Barbara, 77 mi).
| Bank | In San Luis Obispo | 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 | Fresno, 116 miles away |
| Truist | None | none in California |
| Fifth Third Bank | None | Salinas, 111 miles away |
| Huntington | None | none in California |
| Regions Bank | None | none in California |
| TD Bank | None | none in California |
| BMO | None | Santa Barbara, 77 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of San Luis Obispo 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 San Luis Obispo residents like anyone else.
Banks near San Luis Obispo
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Pismo Beach (9 miles) and Los Osos (10 miles). Arroyo Grande, 11 miles away, has the most banks nearby: 6.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Pismo Beach, CA | 9 mi | 2 | 2 |
| Banks in Los Osos, CA | 10 mi | 2 | 2 |
| Banks in Grover Beach, CA | 11 mi | 2 | 2 |
| Banks in Arroyo Grande, CA | 11 mi | 6 | 6 |
| Banks in Morro Bay, CA | 12 mi | 4 | 4 |
| Banks in Atascadero, CA | 14 mi | 5 | 5 |
| Banks in Nipomo, CA | 19 mi | 2 | 2 |
| Banks in Templeton, CA | 19 mi | 2 | 2 |
Bank branch openings and closings in San Luis Obispo
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in San Luis Obispo 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 San Luis Obispo
Short answer: 2 institutions have their main office in San Luis Obispo: Sesloc Credit Union and Slo Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Sesloc Credit Union | Credit union | $1.25 billion | 3 |
| Slo Credit Union | Credit union | $29.7 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in San Luis Obispo by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its San Luis Obispo offices.
Short answer: Chase is the largest bank with offices in San Luis Obispo, 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 |
| UMB Bank | $71.90 billion | No. 40 | 2 | Kansas City, MO |
| Columbia Bank | $65.37 billion | No. 44 | 1 | Roseburg, OR |
| Banc of California | $34.90 billion | No. 62 | 1 | Los Angeles, CA |
| Mechanics Bank | $21.25 billion | No. 102 | 2 | Walnut Creek, CA |
| Community West Bank | $5.02 billion | No. 289 | 1 | Fresno, CA |
| Bank of the Sierra | $3.72 billion | No. 352 | 1 | Porterville, 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 San Luis Obispo: FAQ
How many banks are in San Luis Obispo, CA?
San Luis Obispo has 14 banks with 16 branches and 4 credit unions with 6 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 San Luis Obispo?
UMB Bank, with 2. Mechanics Bank has 2 and Chase has 1.
Is there a UMB Bank in San Luis Obispo, CA?
Yes. FDIC data lists 2 UMB Bank branches in San Luis Obispo as of September 5, 2026. Its branches are listed under UMB Bank above, with the address and directions for each.
Is there a Mechanics Bank in San Luis Obispo, CA?
Yes. FDIC data lists 2 Mechanics Bank branches in San Luis Obispo as of September 5, 2026. Its branches are listed under Mechanics Bank above, with the address and directions for each.
Is there a Chase in San Luis Obispo, CA?
Yes. FDIC data lists 1 Chase branch in San Luis Obispo as of September 5, 2026. The address and directions are under Chase above.
Is there a PNC Bank in San Luis Obispo, CA?
No. FDIC data lists no PNC Bank branch in San Luis Obispo as of September 5, 2026. The nearest is in Fresno, about 116 miles away in a straight line.
Which banks in San Luis Obispo are open on Saturday?
Chase, Wells Fargo, U.S. Bank and the Golden 1 Credit Union publish Saturday hours for one or more San Luis Obispo locations. The Saturday section above lists each one with its hours. 10 of the 22 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in San Luis Obispo?
Sesloc Credit Union and Slo Credit Union have their main office in San Luis Obispo, according to the FDIC and the NCUA.
What is the oldest bank in San Luis Obispo?
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 San Luis Obispo?
Sesloc Credit Union, the Golden 1 Credit Union, Coasthills Credit Union and Slo Credit Union have offices in San Luis Obispo. Check each credit union's membership rules before you apply.
Did any bank branches open or close in San Luis Obispo 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 San Luis Obispo?
Nearby cities with more banks include Pismo Beach, Los Osos, Grover Beach. Pismo Beach is 9 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 6 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 16 branches: Bank of America, Chase, Columbia Bank, U.S. Bank, UMB 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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