Banks in Big Pine Key, FL

Bank branch map: Big Pine Key

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: 4 banks and credit unions operate 4 locations in Big Pine Key, according to the FDIC and the NCUA. 4 of them have coordinates on record and are on the map. 2 publish opening hours.

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 Big Pine Key

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: First Horizon, Centennial Bank and First State Bank have the most locations in Big Pine Key, with 1 each. 3 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.

Centennial Bank 1 branch · main office Conway, AR Bank · 1

Centennial Bank has 1 branch in Big Pine Key, 88 across Florida and 243 nationwide. FDIC records list its main office in Conway, AR and show it operating since 1903. With $24.55 billion in total assets on June 30, 2026, it ranks No. 89 of 4,232 U.S. banks by total assets. The Big Pine Branch at 200 Wilder Rd dates to 1998 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Big Pine Branch

  200 Wilder Rd, 33043

  Hours: see the bank's site
  DirectionsWebsite

Centennial Bank: profile, branches and contacts

First Horizon First Horizon Bank · 1 branch · main office Memphis, TN Bank · 1

First Horizon has 1 branch in Big Pine Key, 77 across Florida and 416 nationwide. FDIC records list its main office in Memphis, TN and show it operating since 1864. With $84.12 billion in total assets on June 30, 2026, it ranks No. 38 of 4,232 U.S. banks by total assets. The Big Pine Key Branch at 30480 Overseas Hwy dates to 1990 in FDIC branch records. Its published hours do not list Saturday.

• Big Pine Key Branch

  30480 Overseas Hwy, 33043

  (305) 872-0295Today 9 am to 4 pm

  All hours

  Mon to Thu 9 am to 4 pm; Fri 9 am to 6 pm; Sat to Sun not published

  Hours: First Horizon branch locator (All The Places), checked Oct 10, 2026

  DirectionsWebsite

First Horizon: profile, branches and contacts

First State Bank 1 branch · main office Key West, FL Bank · 1

First State Bank has 1 branch in Big Pine Key, 9 across Florida and 9 nationwide. FDIC records list its main office in Key West, FL and show it operating since 1955. With $1.18 billion in total assets on June 30, 2026, it ranks No. 905 of 4,232 U.S. banks by total assets. The Big Pine Branch at 30515 Overseas Hwy dates to 2008 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Big Pine Branch

  30515 Overseas Hwy, 33043

  Hours: see the bank's site
  DirectionsWebsite

First State Bank: profile, branches and contacts

Keys Credit Union 1 office · main office Key West, FL Credit union · 1

Keys Credit Union has 1 office in Big Pine Key, 6 across Florida. It is based in Key West, FL and $257.9 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.

• Big Pine

  29977 Overseas Hwy, 33043

  (305) 294-6622Today 9 am to 4 pm

  All hours

  Mon to Fri 9 am to 4 pm; Sat to Sun not published

  Hours: NCUA, March 31, 2026

  Directions

Keys Credit Union: profile, branches and contacts

Join a credit union in Big Pine Key

1 credit union has 1 office here: Keys 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 Big Pine Key page has every office in the state's directory.

Banking in Big Pine Key: the local picture

Short answer: 3 banks run 3 branches in Big Pine Key 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 3 banks, 0 have their main office in Big Pine Key, 1 elsewhere in Florida and 2 out of state, according to the FDIC.

The bank with the longest record here is First Horizon, operating since 1864 according to the FDIC. In FDIC branch records, the longest-running branch is First Horizon's office at 30480 Overseas Hwy, dating to 1990; the newest is First State Bank's at 30515 Overseas Hwy, from 2008.

The only credit union with an office here is Keys Credit Union.

Of the 2 locations with published hours. None open on Saturday. 2 locations have no published hours in these sources.

Saturday hours in Big Pine Key

Short answer: None of the 2 Big Pine Key locations with published hours lists Saturday hours. 2 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; 2 of the 4 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 Big Pine Key, and where the nearest one is if they do not.

Short answer: No branches in Big Pine Key: Chase (nearest in Florida City, 77 mi), Wells Fargo (nearest in Key West, 27 mi), Bank of America (nearest in Marathon, 18 mi), PNC Bank (nearest in Miami, 87 mi), U.S. Bank (nearest in Naples, 113 mi), Truist (nearest in Marathon, 18 mi), Fifth Third Bank (nearest in Marco Island, 92 mi), Huntington (nearest in Naples, 112 mi), Regions Bank (nearest in Homestead, 80 mi), TD Bank (nearest in Homestead, 80 mi), BMO (nearest in Marco Island, 92 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Big Pine Key to the nearest branch in Florida.

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%.

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 Big Pine Key residents like anyone else.

Banks near Big Pine Key

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Marathon (18 miles) and Key West (28 miles). Marco Island, 91 miles away, has the most banks nearby: 10.

Bank branch openings and closings in Big Pine Key

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Big Pine Key between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Big Pine Key by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Big Pine Key offices.

Short answer: First Horizon is the largest bank with offices in Big Pine Key, with $84.12 billion in total assets on June 30, 2026, No. 38 among U.S. banks by total assets. Centennial Bank is second with $24.55 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

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 Big Pine Key: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.