US Bank Directory
Banks in Watsonville, CA
7 FDIC-insured banks operate 8 offices in Watsonville, California, and 3 credit unions have 3 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: Watsonville
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 Watsonville, 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 Watsonville
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Wells Fargo has the most locations in Watsonville, with 2. The other 6 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.
Wells Fargo Bank · 2
Wells Fargo has 2 branches in Watsonville, 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 Watsonville location is the Freedom Branch at 1501 Freedom Blvd, dating to 1957; the newest, at 326 Main St, to 1961. 1 of its 2 Watsonville locations with published hours open on Saturday.
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Freedom Branch1501 Freedom Blvd, 95076
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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Pajaro Valley Branch326 Main St, 95076
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 America Bank · 1
Bank of America has 1 branch in Watsonville, 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 Watsonville Branch at 567 Main St dates to 1923 in FDIC branch records. It opens on Saturday.
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Watsonville Branch567 Main St, 95076
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
Bay Credit Union Credit union · 1
Bay Credit Union has 1 office in Watsonville, 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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Watsonville Branch1481 Main St, 95076
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
Chase Bank · 1
Chase has 1 branch in Watsonville, 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 Watsonville Branch at 630 Main St dates to 1919 in FDIC branch records. It opens on Saturday.
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Watsonville Branch630 Main St, 95076
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
Corrections Credit Union Credit union · 1
Corrections Credit Union has 1 office in Watsonville, 2 across California. It is based in Soledad, CA and $36.4 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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Watsonville Hospital Fcu75 Nielson St, 95076
All hours
Mon to Fri 10 am to 4 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Fifth Third Bank Bank · 1
Fifth Third Bank has 1 branch in Watsonville, 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. The Watsonville Square Branch at 1998 Main St dates to 1982 in FDIC branch records. It opens on Saturday.
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Watsonville Square Branch1998 Main St, 95076
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
Mechanics Bank Bank · 1
Mechanics Bank has 1 branch in Watsonville, 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 Watonsville Branch at 1915 Main St dates to 2000 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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Watonsville Branch1915 Main St, 95076
Santa Cruz Community Credit Union Credit union · 1
Santa Cruz Community Credit Union has 1 office in Watsonville, 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. It opens on Saturday.
Who can join: see the credit union's site.
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Watsonville Branch590 Auto Center Dr, 95076
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 9:30 am to 1:30 pm; Sun not published
Hours: NCUA, March 31, 2026
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Watsonville, 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 Watsonville Branch at 655 Main St dates to 1983 in FDIC branch records. Its published hours do not list Saturday.
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Watsonville Branch655 Main St, 95076
All hours
Mon 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
West Coast Community Bank Bank · 1
West Coast Community Bank has 1 branch in Watsonville, 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 Watsonville Branch at 595 Auto Center Dr dates to 2005 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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Watsonville Branch595 Auto Center Dr, 95076
Join a credit union in Watsonville
3 credit unions have 3 offices here: Bay Credit Union, Santa Cruz Community Credit Union and Corrections 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 Watsonville page has every office in the state's directory.
Banking in Watsonville: the local picture
Short answer: 7 banks run 8 branches in Watsonville 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 7 banks, 0 have their main office in Watsonville, 2 elsewhere in California and 5 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 630 Main St, dating to 1919; the newest is West Coast Community Bank's at 595 Auto Center Dr, from 2005.
3 credit unions have 3 offices in Watsonville, according to the NCUA. Who can join each one is on the credit unions page.
Of the 9 locations with published hours. 6 open on Saturday. 2 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Watsonville
Short answer: 6 of the 9 Watsonville locations with published hours open on Saturday, run by 6 institutions.
- Wells Fargo: 1 of 2 branches (1501 Freedom Blvd: Saturday 9 am to 2 pm)
- Chase: 1 of 1 branch (630 Main St: Saturday 9 am to 2 pm)
- Bank of America: 1 of 1 branch (567 Main St: Saturday 9 am to 4 pm)
- Fifth Third Bank: 1 of 1 branch (1998 Main St: Saturday 9 am to 12 pm)
- Bay Credit Union: 1 of 1 office (1481 Main St: Saturday 9 am to 3 pm)
- Santa Cruz Community Credit Union: 1 of 1 office (590 Auto Center Dr: Saturday 9:30 am to 1:30 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 Watsonville, and where the nearest one is if they do not.
Short answer: In Watsonville: Chase (1), Wells Fargo (2), Bank of America (1), U.S. Bank (1), Fifth Third Bank (1). No branches in Watsonville: PNC Bank (nearest in Campbell, 28 mi), Truist, Huntington, Regions Bank, TD Bank, BMO (nearest in Capitola, 12 mi).
| Bank | In Watsonville | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| Wells Fargo | 2 branches | here |
| Bank of America | 1 branch | here |
| U.S. Bank | 1 branch | here |
| Fifth Third Bank | 1 branch | here |
| PNC Bank | None | Campbell, 28 miles away |
| Truist | None | none in California |
| Huntington | None | none in California |
| Regions Bank | None | none in California |
| TD Bank | None | none in California |
| BMO | None | Capitola, 12 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Watsonville 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 Watsonville residents like anyone else.
Banks near Watsonville
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Aptos (9 miles) and Capitola (12 miles). Salinas, 17 miles away, has the most banks nearby: 11.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Aptos, CA | 9 mi | 6 | 6 |
| Banks in Capitola, CA | 12 mi | 7 | 7 |
| Banks in Gilroy, CA | 12 mi | 7 | 8 |
| Banks in Santa Cruz, CA | 15 mi | 8 | 9 |
| Banks in Morgan Hill, CA | 16 mi | 8 | 8 |
| Banks in Marina, CA | 16 mi | 2 | 2 |
| Banks in Scotts Valley, CA | 17 mi | 5 | 5 |
| Banks in Salinas, CA | 17 mi | 11 | 23 |
Bank branch openings and closings in Watsonville
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Watsonville between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Watsonville by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Watsonville offices.
Short answer: Chase is the largest bank with offices in Watsonville, 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 | 2 | Sioux Falls, SD |
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
| Fifth Third Bank | $299.18 billion | No. 14 | 1 | Cincinnati, OH |
| Mechanics Bank | $21.25 billion | No. 102 | 1 | Walnut Creek, CA |
| West Coast Community Bank | $2.94 billion | No. 435 | 1 | Santa Cruz, 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 Watsonville: FAQ
How many banks are in Watsonville, CA?
Watsonville has 7 banks with 8 branches and 3 credit unions with 3 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 Watsonville?
Wells Fargo, with 2. Chase has 1 and Bank of America has 1.
Is there a Wells Fargo in Watsonville, CA?
Yes. FDIC data lists 2 Wells Fargo branches in Watsonville as of September 5, 2026. Its branches are listed under Wells Fargo above, with the address and directions for each.
Is there a Chase in Watsonville, CA?
Yes. FDIC data lists 1 Chase branch in Watsonville as of September 5, 2026. The address and directions are under Chase above.
Is there a Bank of America in Watsonville, CA?
Yes. FDIC data lists 1 Bank of America branch in Watsonville as of September 5, 2026. The address and directions are under Bank of America above.
Is there a PNC Bank in Watsonville, CA?
No. FDIC data lists no PNC Bank branch in Watsonville as of September 5, 2026. The nearest is in Campbell, about 28 miles away in a straight line.
Which banks in Watsonville are open on Saturday?
Wells Fargo, Chase, Bank of America and Fifth Third Bank and 2 more publish Saturday hours for one or more Watsonville 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.
What is the oldest bank in Watsonville?
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 Watsonville?
Bay Credit Union, Santa Cruz Community Credit Union and Corrections Credit Union have offices in Watsonville. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Watsonville 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 Watsonville?
Nearby cities with more banks include Aptos, Capitola, Gilroy. Aptos is 9 miles away with 6 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 3 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 8 branches: 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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