Banks in Bonifay, FL

Bank branch map: Bonifay

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 Bonifay, according to the FDIC and the NCUA. 3 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 Bonifay

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

Short answer: First Federal Bank and PeoplesSouth Bank have the most locations in Bonifay, with 1 each. 2 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.

Community South Credit Union 1 office · main office Chipley, FL Credit union · 1

Community South Credit Union has 1 office in Bonifay, 4 across Florida. It is based in Chipley, FL and $239.1 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.

• Bonifay Branch

  1720 S Waukesha St, 32425

  (850) 547-2260Today 7 am to 4:30 pm

  All hours

  Mon to Thu 7 am to 4:30 pm; Fri 7 am to 5:30 pm; Sat 9 am to 12 pm; Sun not published

  Hours: NCUA, March 31, 2026

Community South Credit Union: profile, branches and contacts

First Federal Bank 1 branch · main office Lake City, FL Bank · 1

First Federal Bank has 1 branch in Bonifay, 27 across Florida and 30 nationwide. FDIC records list its main office in Lake City, FL and show it operating since 1961. With $4.49 billion in total assets on June 30, 2026, it ranks No. 309 of 4,232 U.S. banks by total assets. The Bonifay Branch at 300 N Waukesha St dates to 1906 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Bonifay Branch

  300 N Waukesha St, 32425

  Hours: see the bank's site
  DirectionsWebsite

First Federal Bank: profile, branches and contacts

Innovations Financial Credit Union 1 office · main office Panama City, FL Credit union · 1

Innovations Financial Credit Union has 1 office in Bonifay, 10 across Florida. It is based in Panama City, FL and $674.0 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.

• Innovations Fcu-Bonifay

  402 N Waukesha St, 32425

  (850) 233-4400Today 9 am to 5 pm

  All hours

  Mon to Fri 9 am to 5 pm; Sat to Sun not published

  Hours: NCUA, March 31, 2026

  Directions

Innovations Financial Credit Union: profile, branches and contacts

PeoplesSouth Bank 1 branch · main office Colquitt, GA Bank · 1

PeoplesSouth Bank has 1 branch in Bonifay, 14 across Florida and 33 nationwide. FDIC records list its main office in Colquitt, GA and show it operating since 1973. With $1.21 billion in total assets on June 30, 2026, it ranks No. 886 of 4,232 U.S. banks by total assets. The Bonifay Branch at 2020 S Waukesha St dates to 2007 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Bonifay Branch

  2020 S Waukesha St, 32425

  Hours: see the bank's site
  DirectionsWebsite

PeoplesSouth Bank: profile, branches and contacts

Join a credit union in Bonifay

2 credit unions have 2 offices here: Innovations Financial Credit Union and Community South 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 Bonifay page has every office in the state's directory.

Banking in Bonifay: the local picture

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

The bank with the longest record here is First Federal Bank, operating since 1961 according to the FDIC. In FDIC branch records, the longest-running branch is First Federal Bank's office at 300 N Waukesha St, dating to 1906; the newest is PeoplesSouth Bank's at 2020 S Waukesha St, from 2007.

2 credit unions have 2 offices in Bonifay, according to the NCUA. Who can join each one is on the credit unions page.

Of the 2 locations with published hours. 1 opens on Saturday. 2 locations have no published hours in these sources.

Credit unions open on Saturday in Bonifay

Short answer: 1 of the 2 Bonifay locations with published hours opens on Saturday, run by 1 institution.

• Community South Credit Union: 1 of 1 office (1720 S Waukesha St: Saturday 9 am to 12 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 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 Bonifay, and where the nearest one is if they do not.

Short answer: No branches in Bonifay: Chase (nearest in Tallahassee, 86 mi), Wells Fargo (nearest in Chipley, 8 mi), Bank of America (nearest in Niceville, 48 mi), PNC Bank (nearest in Niceville, 50 mi), U.S. Bank (nearest in Sarasota, 305 mi), Truist (nearest in Defuniak Springs, 27 mi), Fifth Third Bank (nearest in Newberry, 206 mi), Huntington (nearest in Panama City, 41 mi), Regions Bank (nearest in Chipley, 8 mi), TD Bank (nearest in Live Oak, 164 mi), BMO (nearest in Tampa, 276 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Bonifay 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 Bonifay residents like anyone else.

Banks near Bonifay

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

Short answer: The closest towns with more choice are Chipley (8 miles) and Graceville (16 miles). Panama City Beach, 41 miles away, has the most banks nearby: 11.

Bank branch openings and closings in Bonifay

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

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

Largest banks in Bonifay by total assets

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

Short answer: First Federal Bank is the largest bank with offices in Bonifay, with $4.49 billion in total assets on June 30, 2026, No. 309 among U.S. banks by total assets. PeoplesSouth Bank is second with $1.21 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 Bonifay: FAQ

How we build this page

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