US Bank Directory
Banks in Santa Cruz, CA
8 FDIC-insured banks operate 9 offices in Santa Cruz, California, and 2 credit unions have 2 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: Santa Cruz
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: 10 banks and credit unions operate 11 locations in Santa Cruz, according to the FDIC and the NCUA. 11 of them have coordinates on record and are on the map. 9 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
11 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 Santa Cruz
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Fifth Third Bank has the most locations in Santa Cruz, with 2. The other 7 each 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.
Fifth Third Bank Bank · 2
Fifth Third Bank has 2 branches in Santa Cruz, 87 across California and 1,508 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1865. With $299.18 billion in total assets on June 30, 2026, it ranks No. 14 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Santa Cruz location is the East Santa Cruz Branch at 1237 Soquel Ave, dating to 1953; the newest, at 25 River St, to 1965. 1 of its 2 Santa Cruz locations with published hours open on Saturday.
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East Santa Cruz Branch1237 Soquel Ave, 95062
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat to Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
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Santa Cruz Main Branch25 River St, 95060
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
Bank of America Bank · 1
Bank of America has 1 branch in Santa Cruz, 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 Santa Cruz Main Branch at 104 River St dates to 1927 in FDIC branch records. Its published hours do not list Saturday.
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Santa Cruz Main Branch104 River St, 95060
All hours
Mon closed; Tue to Fri 9 am to 4 pm; Sat to Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Bay Credit Union Credit union · 1
Bay Credit Union has 1 office in Santa Cruz, 8 across California. It is based in Capitola, CA and $1.89 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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River Street420 River St Ste C, 95060
All hours
Mon to Tue 9 am to 5 pm; Wed 10 am to 5 pm; Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 3 pm; Sun not published
Hours: NCUA, March 31, 2026
BMO Bank · 1
BMO has 1 branch in Santa Cruz, 226 across California and 988 nationwide. FDIC records list its main office in Chicago, IL and show it operating since 1947. With $254.97 billion in total assets on June 30, 2026, it ranks No. 16 of 4,232 U.S. banks by total assets. The Santa Cruz Branch at 1551 Pacific Ave dates to 2010 in FDIC branch records. It opens on Saturday.
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Santa Cruz Branch1551 Pacific Ave, 95060
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: BMO branch locator (All The Places), checked Oct 10, 2026
Chase Bank · 1
Chase has 1 branch in Santa Cruz, 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 Santa Cruz Branch at 730 Ocean St dates to 1889 in FDIC branch records. It opens on Saturday.
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Santa Cruz Branch730 Ocean St, 95060
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
Pacific Valley Bank Bank · 1
Pacific Valley Bank has 1 branch in Santa Cruz, 5 across California and 6 nationwide. FDIC records list its main office in Salinas, CA and show it operating since 2004. With $653.3 million in total assets on June 30, 2026, it ranks No. 1,456 of 4,232 U.S. banks by total assets. The Santa Cruz Branch at 720 Front St dates to 2025 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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Santa Cruz Branch720 Front St, 95060
Santa Cruz Community Credit Union Credit union · 1
Santa Cruz Community Credit Union has 1 office in Santa Cruz, 3 across California. It is based in Santa Cruz, CA and $174.3 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 office55 River St, 95060
All hours
Mon to Tue 9 am to 5 pm; Wed 10:30 am to 5 pm; Thu to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Santa Cruz, 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 Santa Cruz Branch at 110 Morrissey Blvd dates to 1998 in FDIC branch records. Its published hours do not list Saturday.
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Santa Cruz Branch110 Morrissey Blvd, 95062
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
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Santa Cruz, 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 Santa Cruz Branch at 74 River St dates to 1962 in FDIC branch records. It opens on Saturday.
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Santa Cruz Branch74 River St, 95060
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 Santa Cruz, 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. Its main office at 75 River St dates to 2004 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 office75 River St, 95060
Join a credit union in Santa Cruz
2 credit unions have 2 offices here: Bay Credit Union and Santa Cruz Community 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 Santa Cruz page has every office in the state's directory.
Banking in Santa Cruz: the local picture
Short answer: 8 banks run 9 branches in Santa Cruz 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 8 banks, 1 has its main office in Santa Cruz, 1 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 730 Ocean St, dating to 1889; the newest is Pacific Valley Bank's at 720 Front St, from 2025.
2 credit unions have 2 offices in Santa Cruz, according to the NCUA. Who can join each one is on the credit unions page.
Of the 9 locations with published hours. 5 open on Saturday. 2 locations have no published hours in these sources.
Banks by ZIP code in Santa Cruz
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 95060 has the most bank and credit union offices in Santa Cruz (9), followed by 95062 (2). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 95060 | 9 | 9 | BMO, Bank of America, Bay Credit Union |
| 95062 | 2 | 2 | Fifth Third Bank, U.S. Bank |
Banks and credit unions open on Saturday in Santa Cruz
Short answer: 5 of the 9 Santa Cruz locations with published hours open on Saturday, run by 5 institutions.
- Fifth Third Bank: 1 of 2 branches (25 River St: Saturday 9 am to 12 pm)
- Chase: 1 of 1 branch (730 Ocean St: Saturday 9 am to 2 pm)
- Wells Fargo: 1 of 1 branch (74 River St: Saturday 9 am to 2 pm)
- BMO: 1 of 1 branch (1551 Pacific Ave: Saturday 9 am to 12 pm)
- Bay Credit Union: 1 of 1 office (420 River St Ste C: Saturday 9 am to 3 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; 2 of the 11 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 Santa Cruz, and where the nearest one is if they do not.
Short answer: In Santa Cruz: Chase (1), Wells Fargo (1), Bank of America (1), U.S. Bank (1), Fifth Third Bank (2), BMO (1). No branches in Santa Cruz: PNC Bank (nearest in Campbell, 22 mi), Truist, Huntington, Regions Bank, TD Bank.
| Bank | In Santa Cruz | 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 |
| Fifth Third Bank | 2 branches | here |
| BMO | 1 branch | here |
| PNC Bank | None | Campbell, 22 miles away |
| Truist | None | none in California |
| Huntington | None | none in California |
| Regions Bank | None | none in California |
| TD Bank | None | none in California |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Santa Cruz 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 Santa Cruz residents like anyone else.
Banks near Santa Cruz
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Capitola (3 miles) and Scotts Valley (5 miles). Campbell, 22 miles away, has the most banks nearby: 9.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Capitola, CA | 3 mi | 7 | 7 |
| Banks in Scotts Valley, CA | 5 mi | 5 | 5 |
| Banks in Felton, CA | 6 mi | 2 | 2 |
| Banks in Aptos, CA | 6 mi | 6 | 6 |
| Banks in Watsonville, CA | 15 mi | 7 | 8 |
| Banks in Los Gatos, CA | 18 mi | 8 | 11 |
| Banks in Saratoga, CA | 20 mi | 7 | 7 |
| Banks in Campbell, CA | 22 mi | 9 | 11 |
Bank branch openings and closings in Santa Cruz
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show 1 branch opening in Santa Cruz between September 5, 2025 and September 5, 2026.
| Date | Change | Bank | Address |
|---|---|---|---|
| Nov 17, 2025 | Opened | Pacific Valley Bank | 720 Front St, 95060 |
Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.
Banks and credit unions based in Santa Cruz
Short answer: 2 institutions have their main office in Santa Cruz: West Coast Community Bank and Santa Cruz Community Credit Union.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| West Coast Community Bank | Bank | $2.94 billion | 1 |
| Santa Cruz Community Credit Union | Credit union | $174.3 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Santa Cruz by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Santa Cruz offices.
Short answer: Chase is the largest bank with offices in Santa Cruz, 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 8 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 |
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
| Fifth Third Bank | $299.18 billion | No. 14 | 2 | Cincinnati, OH |
| BMO | $254.97 billion | No. 16 | 1 | Chicago, IL |
| West Coast Community Bank | $2.94 billion | No. 435 | 1 | Santa Cruz, CA |
| Pacific Valley Bank | $653.3 million | No. 1,456 | 1 | Salinas, 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 Santa Cruz: FAQ
How many banks are in Santa Cruz, CA?
Santa Cruz has 8 banks with 9 branches and 2 credit unions with 2 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 Santa Cruz?
Fifth Third Bank, with 2. Chase has 1 and Bank of America has 1.
Is there a Fifth Third Bank in Santa Cruz, CA?
Yes. FDIC data lists 2 Fifth Third Bank branches in Santa Cruz as of September 5, 2026. Its branches are listed under Fifth Third Bank above, with the address and directions for each.
Is there a Chase in Santa Cruz, CA?
Yes. FDIC data lists 1 Chase branch in Santa Cruz as of September 5, 2026. The address and directions are under Chase above.
Is there a Bank of America in Santa Cruz, CA?
Yes. FDIC data lists 1 Bank of America branch in Santa Cruz as of September 5, 2026. The address and directions are under Bank of America above.
Is there a PNC Bank in Santa Cruz, CA?
No. FDIC data lists no PNC Bank branch in Santa Cruz as of September 5, 2026. The nearest is in Campbell, about 22 miles away in a straight line.
Which banks in Santa Cruz are open on Saturday?
Fifth Third Bank, Chase, Wells Fargo and BMO and 1 more publish Saturday hours for one or more Santa Cruz locations. The Saturday section above lists each one with its hours. 2 of the 11 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Santa Cruz?
West Coast Community Bank and Santa Cruz Community Credit Union have their main office in Santa Cruz, according to the FDIC and the NCUA.
What is the oldest bank in Santa Cruz?
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 Santa Cruz?
Bay Credit Union and Santa Cruz Community Credit Union have offices in Santa Cruz. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Santa Cruz in the past year?
FDIC branch records show 1 branch opening 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 Santa Cruz?
Nearby cities with more banks include Capitola, Scotts Valley, Felton. Capitola is 3 miles away with 7 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 2 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 (7 of 9 branches: BMO, Bank of America, Chase, Fifth Third Bank, 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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