US Bank Directory
Banks in San Marcos, CA
9 FDIC-insured banks operate 11 offices in San Marcos, California, and 5 credit unions have 5 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 Marcos
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: 14 banks and credit unions operate 16 locations in San Marcos, according to the FDIC and the NCUA. 16 of them have coordinates on record and are on the map. 10 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
16 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 Marcos
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: U.S. Bank and C3bank have the most locations in San Marcos, with 2 each. 7 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.
C3bank Bank · 2
C3bank has 2 branches in San Marcos, 4 across California and 5 nationwide. FDIC records list its main office in Encinitas, CA and show it operating since 1984. With $949.3 million in total assets on June 30, 2026, it ranks No. 1,095 of 4,232 U.S. banks by total assets. The San Marcos at 1110 San Marino Dr 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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San Marcos Branch1110 San Marino Dr, 92078
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San Marcos1110 San Marino Dr, 92078
U.S. Bank Bank · 2
U.S. Bank has 2 branches in San Marcos, 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. In FDIC branch records, its longest-running San Marcos location is the San Marcos Branch at 190 S Rancho Santa Fe Rd, dating to 1997; the newest, at 306 S Twin Oaks Valley Rd, to 2002. All 2 of its San Marcos locations with published hours open on Saturday.
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San Marcos Branch190 S Rancho Santa Fe Rd, 92078
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
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San Marcos Twin Oaks Ralphs Branch306 S Twin Oaks Valley Rd, 92078
All hours
Mon not published; Tue to Fri 10 am to 6 pm; Sat 10 am to 2 pm; Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
Bank of America Bank · 1
Bank of America has 1 branch in San Marcos, 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 Marcos Branch at 601 S Rancho Santa Fe Rd dates to 1974 in FDIC branch records. It opens on Saturday.
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San Marcos Branch601 S Rancho Santa Fe Rd, 92078
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat 9 am to 4 pm; Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
California Coast Credit Union Credit union · 1
California Coast Credit Union has 1 office in San Marcos, 27 across California. It is based in San Diego, CA and $3.47 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 Marcos140 Knoll Rd, 92069
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
Chase Bank · 1
Chase has 1 branch in San Marcos, 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 San Marcos Branch at 348 S Twin Oaks Valley Rd dates to 1934 in FDIC branch records. It opens on Saturday.
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San Marcos Branch348 S Twin Oaks Valley Rd, 92078
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
Citibank Bank · 1
Citibank has 1 branch in San Marcos, 271 across California and 667 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1812. With $1.98 trillion in total assets on June 30, 2026, it ranks No. 3 of 4,232 U.S. banks by total assets. The San Marcos at 740 S Rancho Santa Fe Rd dates to 1986 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 Marcos740 S Rancho Santa Fe Rd, 92078
Frontwave Credit Union Credit union · 1
Frontwave Credit Union has 1 office in San Marcos, 18 across California. It is based in Oceanside, CA and $1.76 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 Marcos 010670 W San Marcos Blvd Ste 101, 92078
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 4 pm; Sun not published
Hours: NCUA, March 31, 2026
Hatch Bank Bank · 1
Hatch Bank has 1 branch in San Marcos, 1 across California and 1 nationwide. FDIC records list its main office in San Marcos, CA and show it operating since 1982. With $177.5 million in total assets on June 30, 2026, it ranks No. 3,145 of 4,232 U.S. banks by total assets. Its main office at 1001 W San Marcos Blvd 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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Main Office main office1001 W San Marcos Blvd, 92078
Mechanics Bank Bank · 1
Mechanics Bank has 1 branch in San Marcos, 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 San Marcos Branch at 277 Rancheros Dr 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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San Marcos Branch277 Rancheros Dr, 92069
Mission Credit Union Credit union · 1
Mission Credit Union has 1 office in San Marcos, 36 across California. It is based in San Diego, CA and $7.23 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 Marcos117 S Las Posas Rd, 92078
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 4 pm; Sun not published
Hours: NCUA, March 31, 2026
Navy Federal Credit Union Credit union · 1
Navy Federal Credit Union has 1 office in San Marcos, 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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San Marcos Ca709 Center Dr Ste102, 92069
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
San Diego County Credit Union Credit union · 1
San Diego County Credit Union has 1 office in San Marcos, 40 across California. It is based in San Diego, CA and $9.38 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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Branch 19 San Marcos790 W San Marcos Blvd, 92078
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
Wells Fargo Bank · 1
Wells Fargo has 1 branch in San Marcos, 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 Marcos Main Branch at 1000 W San Marcos Blvd dates to 1980 in FDIC branch records. It opens on Saturday.
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San Marcos Main Branch1000 W San Marcos Blvd, 92078
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
Zions Bancorporation Bank · 1
Zions Bancorporation has 1 branch in San Marcos, 78 across California and 413 nationwide. FDIC records list its main office in Salt Lake City, UT and show it operating since 1873. With $89.04 billion in total assets on June 30, 2026, it ranks No. 35 of 4,232 U.S. banks by total assets. The San Marcos Branch at 978 W San Marcos Blvd dates to 1984 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 Marcos Branch978 W San Marcos Blvd, 92078
Join a credit union in San Marcos
5 credit unions have 5 offices here: Navy Federal Credit Union, San Diego County Credit Union, Mission Credit Union, California Coast Credit Union and Frontwave 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 Marcos page has every office in the state's directory.
Banking in San Marcos: the local picture
Short answer: 9 banks run 11 branches in San Marcos 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 9 banks, 1 has its main office in San Marcos, 2 elsewhere in California and 6 out of state, according to the FDIC.
The bank with the longest record here is Citibank, operating since 1812 according to the FDIC. In FDIC branch records, the longest-running branch is Chase's office at 348 S Twin Oaks Valley Rd, dating to 1934; the newest is Mechanics Bank's at 277 Rancheros Dr, from 2018.
5 credit unions have 5 offices in San Marcos, according to the NCUA. Who can join each one is on the credit unions page.
Of the 10 locations with published hours. 9 open on Saturday. 6 locations have no published hours in these sources.
Banks by ZIP code in San Marcos
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 92078 has the most bank and credit union offices in San Marcos (13), followed by 92069 (3). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 92078 | 13 | 11 | C3bank, U.S. Bank, Bank of America |
| 92069 | 3 | 3 | California Coast Credit Union, Mechanics Bank, Navy Federal Credit Union |
Banks and credit unions open on Saturday in San Marcos
Short answer: 9 of the 10 San Marcos locations with published hours open on Saturday, run by 8 institutions.
- U.S. Bank: 2 of 2 branches (190 S Rancho Santa Fe Rd: Saturday 9 am to 1 pm, and 1 more)
- Chase: 1 of 1 branch (348 S Twin Oaks Valley Rd: Saturday 9 am to 2 pm)
- Bank of America: 1 of 1 branch (601 S Rancho Santa Fe Rd: Saturday 9 am to 4 pm)
- Wells Fargo: 1 of 1 branch (1000 W San Marcos Blvd: Saturday 9 am to 2 pm)
- Navy Federal Credit Union: 1 of 1 office (709 Center Dr Ste102: Saturday 9 am to 2 pm)
- San Diego County Credit Union: 1 of 1 office (790 W San Marcos Blvd: Saturday 9 am to 2 pm)
- Mission Credit Union: 1 of 1 office (117 S Las Posas Rd: Saturday 9 am to 4 pm)
- Frontwave Credit Union: 1 of 1 office (670 W San Marcos Blvd Ste 101: Saturday 9 am to 4 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; 6 of the 16 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 Marcos, and where the nearest one is if they do not.
Short answer: In San Marcos: Chase (1), Wells Fargo (1), Bank of America (1), U.S. Bank (2). No branches in San Marcos: PNC Bank (nearest in Vista, 5 mi), Truist, Fifth Third Bank (nearest in Vista, 5 mi), Huntington, Regions Bank, TD Bank, BMO (nearest in La Jolla, 18 mi).
| Bank | In San Marcos | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| Wells Fargo | 1 branch | here |
| Bank of America | 1 branch | here |
| U.S. Bank | 2 branches | here |
| PNC Bank | None | Vista, 5 miles away |
| Truist | None | none in California |
| Fifth Third Bank | None | Vista, 5 miles away |
| Huntington | None | none in California |
| Regions Bank | None | none in California |
| TD Bank | None | none in California |
| BMO | None | La Jolla, 18 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of San Marcos 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 Marcos residents like anyone else.
Banks near San Marcos
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Vista (5 miles) and Carlsbad (6 miles). Carlsbad, 6 miles away, has the most banks nearby: 19.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Vista, CA | 5 mi | 8 | 11 |
| Banks in Carlsbad, CA | 6 mi | 19 | 35 |
| Banks in Escondido, CA | 6 mi | 11 | 19 |
| Banks in Encinitas, CA | 7 mi | 11 | 14 |
| Banks in Rancho Santa Fe, CA | 8 mi | 5 | 5 |
| Banks in Oceanside, CA | 9 mi | 5 | 12 |
| Banks in Solana Beach, CA | 10 mi | 7 | 7 |
| Banks in Del Mar, CA | 12 mi | 6 | 8 |
Bank branch openings and closings in San Marcos
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in San Marcos 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 Marcos
Short answer: 1 institution has its main office in San Marcos: Hatch Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Hatch Bank | Bank | $177.5 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in San Marcos by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its San Marcos offices.
Short answer: Chase is the largest bank with offices in San Marcos, 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. 1 of the 9 bank is headquartered here. 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 |
| Citibank | $1.98 trillion | No. 3 | 1 | Sioux Falls, SD |
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| U.S. Bank | $705.55 billion | No. 6 | 2 | Cincinnati, OH |
| Zions Bancorporation | $89.04 billion | No. 35 | 1 | Salt Lake City, UT |
| Mechanics Bank | $21.25 billion | No. 102 | 1 | Walnut Creek, CA |
| C3bank | $949.3 million | No. 1,095 | 2 | Encinitas, CA |
| Hatch Bank | $177.5 million | No. 3,145 | 1 | San Marcos, 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 Marcos: FAQ
How many banks are in San Marcos, CA?
San Marcos has 9 banks with 11 branches and 5 credit unions with 5 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 Marcos?
U.S. Bank, with 2. C3bank has 2 and Chase has 1.
Is there a U.S. Bank in San Marcos, CA?
Yes. FDIC data lists 2 U.S. Bank branches in San Marcos as of September 5, 2026. Its branches are listed under U.S. Bank above, with the address and directions for each.
Is there a C3bank in San Marcos, CA?
Yes. FDIC data lists 2 C3bank branches in San Marcos as of September 5, 2026. Its branches are listed under C3bank above, with the address and directions for each.
Is there a Chase in San Marcos, CA?
Yes. FDIC data lists 1 Chase branch in San Marcos as of September 5, 2026. The address and directions are under Chase above.
Is there a PNC Bank in San Marcos, CA?
No. FDIC data lists no PNC Bank branch in San Marcos as of September 5, 2026. The nearest is in Vista, about 5 miles away in a straight line.
Which banks in San Marcos are open on Saturday?
U.S. Bank, Chase, Bank of America and Wells Fargo and 4 more publish Saturday hours for one or more San Marcos locations. The Saturday section above lists each one with its hours. 6 of the 16 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in San Marcos?
Hatch Bank has its main office in San Marcos, according to the FDIC.
What is the oldest bank in San Marcos?
Citibank has the longest record among banks with a branch here: the FDIC shows it operating since 1812.
Which credit unions can I join in San Marcos?
Navy Federal Credit Union, San Diego County Credit Union, Mission Credit Union and California Coast Credit Union and 1 more have offices in San Marcos. Check each credit union's membership rules before you apply.
Did any bank branches open or close in San Marcos 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 Marcos?
Nearby cities with more banks include Vista, Carlsbad, Escondido. Vista is 5 miles away with 8 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 5 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 (5 of 11 branches: Bank of America, Chase, 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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