US Bank Directory
Banks in Wray, CO
4 FDIC-insured banks operate 4 offices in Wray, Colorado, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Wray
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: 5 banks and credit unions operate 5 locations in Wray, according to the FDIC and the NCUA. 5 of them have coordinates on record and are on the map. 1 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
5 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 Wray
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 Wray, with 1 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 Colorado Bank · 1
Bank of Colorado has 1 branch in Wray, 52 across Colorado and 60 nationwide. FDIC records list its main office in Fort Collins, CO and show it operating since 1900. With $7.61 billion in total assets on June 30, 2026, it ranks No. 207 of 4,232 U.S. banks by total assets. The Wray Branch at 365 W 2nd 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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Wray Branch365 W 2nd St, 80758
Equitable Savings and Loan Association Bank · 1
Equitable Savings and Loan Association has 1 branch in Wray, 10 across Colorado and 10 nationwide. FDIC records list its main office in Sterling, CO and show it operating since 1921. With $168.3 million in total assets on June 30, 2026, it ranks No. 3,195 of 4,232 U.S. banks by total assets. The Wray Branch at 300 Main St dates to 1954 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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Wray Branch300 Main St, 80758
First Pioneer National Bank Bank · 1
First Pioneer National Bank has 1 branch in Wray, 2 across Colorado and 2 nationwide. FDIC records list its main office in Wray, CO and show it operating since 1902. With $243.4 million in total assets on June 30, 2026, it ranks No. 2,763 of 4,232 U.S. banks by total assets. Its main office at 145 W 4th St dates to 1902 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 office145 W 4th St, 80758
Wray State Bank Bank · 1
Wray State Bank has 1 branch in Wray, 3 across Colorado and 3 nationwide. FDIC records list its main office in Wray, CO and show it operating since 1977. With $312.0 million in total assets on June 30, 2026, it ranks No. 2,422 of 4,232 U.S. banks by total assets. Its main office at 300 Clay St dates to 1977 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 office300 Clay St, 80758
Yuma County Credit Union Credit union · 1
Yuma County Credit Union has 1 office in Wray, 2 across Colorado. It is based in Yuma, CO and $53.6 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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Yuma County Federal Credit Union401 Main St, 80758
All hours
Mon to Fri 8:30 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Wray
1 credit union has 1 office here: Yuma County 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 Wray page has every office in the state's directory.
Banking in Wray: the local picture
Short answer: 4 banks run 4 branches in Wray 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 4 banks, 2 have their main office in Wray, 2 elsewhere in Colorado, according to the FDIC.
The bank with the longest record here is Bank of Colorado, operating since 1900 according to the FDIC. In FDIC branch records, the longest-running branch is First Pioneer National Bank's office at 145 W 4th St, dating to 1902; the newest is Bank of Colorado's at 365 W 2nd St, from 2025.
The only credit union with an office here is Yuma County Credit Union.
Of the 1 location with published hours. None open on Saturday. 4 locations have no published hours in these sources.
Saturday hours in Wray
Short answer: None of the 1 Wray location with published hours lists Saturday hours. 4 locations do not publish hours in these sources; call ahead.
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; 4 of the 5 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 Wray, and where the nearest one is if they do not.
Short answer: No branches in Wray: Chase (nearest in Greeley, 132 mi), Wells Fargo (nearest in Sterling, 64 mi), Bank of America (nearest in Greeley, 133 mi), PNC Bank (nearest in Greeley, 133 mi), U.S. Bank (nearest in Greeley, 135 mi), Truist, Fifth Third Bank, Huntington (nearest in Denver, 137 mi), Regions Bank, TD Bank, BMO (nearest in Holyoke, 35 mi).
| Bank | In Wray | Nearest branch if none here |
|---|---|---|
| Chase | None | Greeley, 132 miles away |
| Wells Fargo | None | Sterling, 64 miles away |
| Bank of America | None | Greeley, 133 miles away |
| PNC Bank | None | Greeley, 133 miles away |
| U.S. Bank | None | Greeley, 135 miles away |
| Truist | None | none in Colorado |
| Fifth Third Bank | None | none in Colorado |
| Huntington | None | Denver, 137 miles away |
| Regions Bank | None | none in Colorado |
| TD Bank | None | none in Colorado |
| BMO | None | Holyoke, 35 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Wray to the nearest branch in Colorado.
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 Wray residents like anyone else.
Banks near Wray
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Yuma (27 miles) and Holyoke (35 miles). Burlington, 54 miles away, has the most banks nearby: 6.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Yuma, CO | 27 mi | 4 | 4 |
| Banks in Holyoke, CO | 35 mi | 3 | 3 |
| Banks in Akron, CO | 53 mi | 5 | 5 |
| Banks in Burlington, CO | 54 mi | 6 | 6 |
| Banks in Julesburg, CO | 63 mi | 2 | 2 |
| Banks in Sterling, CO | 64 mi | 6 | 6 |
| Banks in Brush, CO | 75 mi | 4 | 5 |
| Banks in Fort Morgan, CO | 84 mi | 5 | 5 |
Bank branch openings and closings in Wray
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Wray 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 Wray
Short answer: 2 institutions have their main office in Wray: Wray State Bank and First Pioneer National Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Wray State Bank | Bank | $312.0 million | 1 |
| First Pioneer National Bank | Bank | $243.4 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Wray by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Wray offices.
Short answer: Bank of Colorado is the largest bank with offices in Wray, with $7.61 billion in total assets on June 30, 2026, No. 207 among U.S. banks by total assets. Wray State Bank is second with $312.0 million. 2 of the 4 banks are headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Bank of Colorado | $7.61 billion | No. 207 | 1 | Fort Collins, CO |
| Wray State Bank | $312.0 million | No. 2,422 | 1 | Wray, CO |
| First Pioneer National Bank | $243.4 million | No. 2,763 | 1 | Wray, CO |
| Equitable Savings and Loan Association | $168.3 million | No. 3,195 | 1 | Sterling, CO |
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 Wray: FAQ
How many banks are in Wray, CO?
Wray has 4 banks with 4 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Wray?
Bank of Colorado, with 1. Wray State Bank has 1 and First Pioneer National Bank has 1.
Is there a Bank of Colorado in Wray, CO?
Yes. FDIC data lists 1 Bank of Colorado branch in Wray as of September 5, 2026. The address and directions are under Bank of Colorado above.
Is there a First Pioneer National Bank in Wray, CO?
Yes. FDIC data lists 1 First Pioneer National Bank branch in Wray as of September 5, 2026, the main office at 145 W 4th St. The address and directions are under First Pioneer National Bank above.
Is there a Chase in Wray, CO?
No. FDIC data lists no Chase branch in Wray as of September 5, 2026. The nearest is in Greeley, about 132 miles away in a straight line.
Which banks in Wray are open on Saturday?
None of the 1 location with published hours lists Saturday hours. 4 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Wray?
Wray State Bank and First Pioneer National Bank have their main office in Wray, according to the FDIC.
What is the oldest bank in Wray?
Bank of Colorado has the longest record among banks with a branch here: the FDIC shows it operating since 1900.
Which credit unions can I join in Wray?
Yuma County Credit Union has an office in Wray. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Wray 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 Wray?
Nearby cities with more banks include Yuma, Holyoke, Akron. Yuma is 27 miles away with 4 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 1 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 |
| 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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