US Bank Directory
Banks in Tracy, CA
8 FDIC-insured banks operate 12 offices in Tracy, 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: Tracy
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: 13 banks and credit unions operate 17 locations in Tracy, according to the FDIC and the NCUA. 17 of them have coordinates on record and are on the map. 15 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
17 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 Tracy
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 Tracy, with 2 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.
Bank of America Bank · 2
Bank of America has 2 branches in Tracy, 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. In FDIC branch records, its longest-running Tracy location is the Tracy Branch at 111 W 10th St, dating to 1904; the newest, at 3120 W Grant Line Rd, to 2003. 1 of its 2 Tracy locations with published hours open on Saturday.
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Tracy Branch111 W 10th St, 95376
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
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Tracy Marketplace Branch3120 W Grant Line Rd, 95304
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
Chase Bank · 2
Chase has 2 branches in Tracy, 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. In FDIC branch records, its longest-running Tracy location is the Tracy Branch at 691 W 11th St, dating to 1983; the newest, at 2751 W Grant Line Rd, to 2005. All 2 of its Tracy locations with published hours open on Saturday.
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Tracy - Grant Line Branch2751 W Grant Line Rd, 95304
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
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Tracy Branch691 W 11th St, 95376
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
U.S. Bank Bank · 2
U.S. Bank has 2 branches in Tracy, 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 Tracy location is the Tracy Branch at 2175 W Grant Line Rd, dating to 1981; the newest, at 2550 S Tracy Blvd, to 2009. 1 of its 2 Tracy locations with published hours open on Saturday.
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Tracy Branch2175 W Grant Line Rd, 95377
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
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Tracy Boulevard Raley'S Branch2550 S Tracy Blvd, 95376
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 10 am to 2 pm; Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
Wells Fargo Bank · 2
Wells Fargo has 2 branches in Tracy, 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. In FDIC branch records, its longest-running Tracy location is the Tracy Branch at 1900 W 11th St, dating to 1958; the newest, at 2600 S Tracy Blvd, to 2010. 1 of its 2 Tracy locations with published hours open on Saturday.
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Tracy Branch1900 W 11th St, 95376
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
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Red Maple Village Branch2600 S Tracy Blvd, 95376
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Bank of Stockton Bank · 1
Bank of Stockton has 1 branch in Tracy, 21 across California and 21 nationwide. FDIC records list its main office in Stockton, CA and show it operating since 1867. With $4.99 billion in total assets on June 30, 2026, it ranks No. 290 of 4,232 U.S. banks by total assets. The Tracy Branch at 1175 N Tracy Blvd dates to 1967 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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Tracy Branch1175 N Tracy Blvd, 95376
BMO Bank · 1
BMO has 1 branch in Tracy, 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 Tracy Branch at 810 W Schulte Rd dates to 1999 in FDIC branch records. It opens on Saturday.
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Tracy Branch810 W Schulte Rd, 95376
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
Certified Credit Union Credit union · 1
Certified Credit Union has 1 office in Tracy, 12 across California. It is based in El Monte, CA and $920.0 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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Tracy Branch25432 S Schulte Rd Unit 2, 95377
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Oak Valley Community Bank Bank · 1
Oak Valley Community Bank has 1 branch in Tracy, 20 across California and 20 nationwide. FDIC records list its main office in Oakdale, CA and show it operating since 1991. With $2.00 billion in total assets on June 30, 2026, it ranks No. 607 of 4,232 U.S. banks by total assets. The Tracy Branch at 1034 N Central Ave dates to 2014 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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Tracy Branch1034 N Central Ave, 95376
Operating Engineers Local Union #3 Credit Union Credit union · 1
Operating Engineers Local Union #3 Credit Union has 1 office in Tracy, 21 across California. It is based in Livermore, CA and $1.65 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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Tracy Branch3290 W Grant Line Rd, 95304
All hours
Mon to Thu 9 am to 5 pm; Fri 9:30 am to 6 pm; Sat to Sun closed
Hours: NCUA, March 31, 2026
PNC Bank Bank · 1
PNC Bank has 1 branch in Tracy, 56 across California and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. The Tracey Branch at 1070 N Tracy Blvd dates to 1887 in FDIC branch records. It opens on Saturday.
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Tracey Branch1070 N Tracy Blvd, 95376
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
the Golden 1 Credit Union Credit union · 1
the Golden 1 Credit Union has 1 office in Tracy, 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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Tracy3202 W Grant Line Rd, 95304
All hours
Mon to Fri 10 am to 5 pm; Sat 10 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
Uncle Credit Union Credit union · 1
Uncle Credit Union has 1 office in Tracy, 5 across California. It is based in Livermore, CA and $738.0 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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Tracy Branch1829 W 11Th St, 95376
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 10 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
Valley First Credit Union Credit union · 1
Valley First Credit Union has 1 office in Tracy, 9 across California. It is based in Modesto, CA and $1.11 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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Tracy Branch1003 N Central Ave, 95376
All hours
Mon to Thu 10 am to 5 pm; Fri 10 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Tracy
5 credit unions have 5 offices here: the Golden 1 Credit Union, Operating Engineers Local Union #3 Credit Union, Valley First Credit Union, Certified Credit Union and Uncle 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 Tracy page has every office in the state's directory.
Banking in Tracy: the local picture
Short answer: 8 banks run 12 branches in Tracy 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, 0 have their main office in Tracy, 2 elsewhere in California and 6 out of state, according to the FDIC.
The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is PNC Bank's office at 1070 N Tracy Blvd, dating to 1887; the newest is Oak Valley Community Bank's at 1034 N Central Ave, from 2014.
5 credit unions have 5 offices in Tracy, according to the NCUA. Who can join each one is on the credit unions page.
Of the 15 locations with published hours. 9 open on Saturday. 2 locations have no published hours in these sources.
Banks by ZIP code in Tracy
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 95376 has the most bank and credit union offices in Tracy (11), followed by 95304 (4) and 95377 (2). Offices are spread across 3 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 95376 | 11 | 10 | Wells Fargo, BMO, Bank of America |
| 95304 | 4 | 4 | Bank of America, Chase, Operating Engineers Local Union #3 Credit Union |
| 95377 | 2 | 2 | Certified Credit Union, U.S. Bank |
Banks and credit unions open on Saturday in Tracy
Short answer: 9 of the 15 Tracy locations with published hours open on Saturday, run by 8 institutions.
- Chase: 2 of 2 branches (2751 W Grant Line Rd: Saturday 9 am to 2 pm, and 1 more)
- Bank of America: 1 of 2 branches (3120 W Grant Line Rd: Saturday 9 am to 4 pm)
- Wells Fargo: 1 of 2 branches (1900 W 11th St: Saturday 9 am to 2 pm)
- U.S. Bank: 1 of 2 branches (2550 S Tracy Blvd: Saturday 10 am to 2 pm)
- PNC Bank: 1 of 1 branch (1070 N Tracy Blvd: Saturday 9 am to 1 pm)
- BMO: 1 of 1 branch (810 W Schulte Rd: Saturday 9 am to 12 pm)
- the Golden 1 Credit Union: 1 of 1 office (3202 W Grant Line Rd: Saturday 10 am to 2 pm)
- Uncle Credit Union: 1 of 1 office (1829 W 11Th St: 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; 2 of the 17 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 Tracy, and where the nearest one is if they do not.
Short answer: In Tracy: Chase (2), Wells Fargo (2), Bank of America (2), PNC Bank (1), U.S. Bank (2), BMO (1). No branches in Tracy: Truist, Fifth Third Bank (nearest in Pleasanton, 24 mi), Huntington, Regions Bank, TD Bank.
| Bank | In Tracy | Nearest branch if none here |
|---|---|---|
| Chase | 2 branches | here |
| Wells Fargo | 2 branches | here |
| Bank of America | 2 branches | here |
| PNC Bank | 1 branch | here |
| U.S. Bank | 2 branches | here |
| BMO | 1 branch | here |
| Truist | None | none in California |
| Fifth Third Bank | None | Pleasanton, 24 miles away |
| 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 Tracy 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 Tracy residents like anyone else.
Banks near Tracy
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Manteca (13 miles) and Ripon (17 miles). Modesto, 24 miles away, has the most banks nearby: 17.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Manteca, CA | 13 mi | 10 | 12 |
| Banks in Ripon, CA | 17 mi | 3 | 3 |
| Banks in Livermore, CA | 18 mi | 9 | 12 |
| Banks in Stockton, CA | 19 mi | 13 | 35 |
| Banks in Brentwood, CA | 20 mi | 9 | 12 |
| Banks in Oakley, CA | 23 mi | 2 | 2 |
| Banks in Modesto, CA | 24 mi | 17 | 39 |
| Banks in Escalon, CA | 25 mi | 3 | 3 |
Bank branch openings and closings in Tracy
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Tracy between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Tracy by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Tracy offices.
Short answer: Chase is the largest bank with offices in Tracy, 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 | 2 | Columbus, OH |
| Bank of America | $2.65 trillion | No. 2 | 2 | Charlotte, NC |
| Wells Fargo | $1.91 trillion | No. 4 | 2 | Sioux Falls, SD |
| U.S. Bank | $705.55 billion | No. 6 | 2 | Cincinnati, OH |
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| BMO | $254.97 billion | No. 16 | 1 | Chicago, IL |
| Bank of Stockton | $4.99 billion | No. 290 | 1 | Stockton, CA |
| Oak Valley Community Bank | $2.00 billion | No. 607 | 1 | Oakdale, 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 Tracy: FAQ
How many banks are in Tracy, CA?
Tracy has 8 banks with 12 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 Tracy?
Chase, with 2. Bank of America has 2 and Wells Fargo has 2.
Is there a Chase in Tracy, CA?
Yes. FDIC data lists 2 Chase branches in Tracy as of September 5, 2026. Its branches are listed under Chase above, with the address and directions for each.
Is there a Bank of America in Tracy, CA?
Yes. FDIC data lists 2 Bank of America branches in Tracy as of September 5, 2026. Its branches are listed under Bank of America above, with the address and directions for each.
Is there a Wells Fargo in Tracy, CA?
Yes. FDIC data lists 2 Wells Fargo branches in Tracy as of September 5, 2026. Its branches are listed under Wells Fargo above, with the address and directions for each.
Which banks in Tracy are open on Saturday?
Chase, Bank of America, Wells Fargo and U.S. Bank and 4 more publish Saturday hours for one or more Tracy locations. The Saturday section above lists each one with its hours. 2 of the 17 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Tracy?
PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.
Which credit unions can I join in Tracy?
the Golden 1 Credit Union, Operating Engineers Local Union #3 Credit Union, Valley First Credit Union and Certified Credit Union and 1 more have offices in Tracy. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Tracy 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 Tracy?
Nearby cities with more banks include Manteca, Ripon, Livermore. Manteca is 13 miles away with 10 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 (10 of 12 branches: BMO, Bank of America, Chase, PNC 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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