US Bank Directory
Banks in Chipley, FL
6 FDIC-insured banks operate 6 offices in Chipley, Florida, and 2 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: Chipley
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: 8 banks and credit unions operate 9 locations in Chipley, according to the FDIC and the NCUA. 8 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
8 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 Chipley
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 6 banks share the most locations in Chipley, with 1 each. 6 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 Credit union · 2
Community South Credit Union has 2 officees in Chipley, 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. 1 of its 2 Chipley locations with published hours open on Saturday.
Who can join: see the credit union's site.
-
Main Office main office1044 Highway 90, 32428
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
-
Chipley Operations1447 Main St, 32428
All hours
Mon to Thu 8 am to 4:30 pm; Fri to Sun not published
Hours: NCUA, March 31, 2026
Capital City Bank Bank · 1
Capital City Bank has 1 branch in Chipley, 53 across Florida and 67 nationwide. FDIC records list its main office in Tallahassee, FL and show it operating since 1907. With $4.45 billion in total assets on June 30, 2026, it ranks No. 313 of 4,232 U.S. banks by total assets. The Chipley Branch at 1242 Jackson Ave dates to 1935 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Chipley Branch1242 Jackson Ave, 32428
First Federal Bank Bank · 1
First Federal Bank has 1 branch in Chipley, 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 Chipley Branch at 1012 Main St dates to 2006 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Chipley Branch1012 Main St, 32428
Hancock Whitney Bank · 1
Hancock Whitney has 1 branch in Chipley, 38 across Florida and 186 nationwide. FDIC records list its main office in Gulfport, MS and show it operating since 1899. With $36.33 billion in total assets on June 30, 2026, it ranks No. 60 of 4,232 U.S. banks by total assets. The Chipley Branch (Former Mo) at 1385 Main St dates to 2019 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Chipley Branch (Former Mo)1385 Main St, 32428
Innovations Financial Credit Union Credit union · 1
Innovations Financial Credit Union has 1 office in Chipley, 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-Chipley976 Main St, 32428
All hours
Mon to Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
PeoplesSouth Bank Bank · 1
PeoplesSouth Bank has 1 branch in Chipley, 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 Chipley Branch at 1615 Main Street, Highway 77 dates to 2002 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Chipley Branch1615 Main Street, Highway 77, 32428
Regions Bank Bank · 1
Regions Bank has 1 branch in Chipley, 270 across Florida and 1,256 nationwide. FDIC records list its main office in Birmingham, AL and show it operating since 1928. With $159.79 billion in total assets on June 30, 2026, it ranks No. 27 of 4,232 U.S. banks by total assets. The Chipley Branch at 862 Main St dates to 1934 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Chipley Branch862 Main St, 32428
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Chipley, 458 across Florida 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. The Chipley Branch at 1281 Church Ave dates to 1975 in FDIC branch records. Its published hours do not list Saturday.
-
Chipley Branch1281 Church Ave, 32428
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
Join a credit union in Chipley
2 credit unions have 3 offices here: Community South Credit Union and Innovations Financial 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 Chipley page has every office in the state's directory.
Banking in Chipley: the local picture
Short answer: 6 banks run 6 branches in Chipley 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 6 banks, 0 have their main office in Chipley, 2 elsewhere in Florida and 4 out of state, according to the FDIC.
The bank with the longest record here is Wells Fargo, operating since 1870 according to the FDIC. In FDIC branch records, the longest-running branch is Regions Bank's office at 862 Main St, dating to 1934; the newest is Hancock Whitney's at 1385 Main St, from 2019.
2 credit unions have 3 offices in Chipley, according to the NCUA. Who can join each one is on the credit unions page.
Of the 4 locations with published hours. 1 opens on Saturday. 5 locations have no published hours in these sources.
Credit unions open on Saturday in Chipley
Short answer: 1 of the 4 Chipley locations with published hours opens on Saturday, run by 1 institution.
- Community South Credit Union: 1 of 2 offices (1044 Highway 90: 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; 5 of the 9 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 Chipley, and where the nearest one is if they do not.
Short answer: In Chipley: Wells Fargo (1), Regions Bank (1). No branches in Chipley: Chase (nearest in Tallahassee, 78 mi), Bank of America (nearest in Niceville, 56 mi), PNC Bank (nearest in Niceville, 58 mi), U.S. Bank (nearest in Sarasota, 299 mi), Truist (nearest in Marianna, 21 mi), Fifth Third Bank (nearest in Newberry, 198 mi), Huntington (nearest in Panama City, 41 mi), TD Bank (nearest in Live Oak, 156 mi), BMO (nearest in Tampa, 269 mi).
| Bank | In Chipley | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| Regions Bank | 1 branch | here |
| Chase | None | Tallahassee, 78 miles away |
| Bank of America | None | Niceville, 56 miles away |
| PNC Bank | None | Niceville, 58 miles away |
| U.S. Bank | None | Sarasota, 299 miles away |
| Truist | None | Marianna, 21 miles away |
| Fifth Third Bank | None | Newberry, 198 miles away |
| Huntington | None | Panama City, 41 miles away |
| TD Bank | None | Live Oak, 156 miles away |
| BMO | None | Tampa, 269 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Chipley 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%.
| 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 Chipley residents like anyone else.
Banks near Chipley
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Bonifay (8 miles) and Graceville (13 miles). Panama City, 41 miles away, has the most banks nearby: 18.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Bonifay, FL | 8 mi | 2 | 2 |
| Banks in Graceville, FL | 13 mi | 2 | 2 |
| Banks in Marianna, FL | 20 mi | 7 | 8 |
| Banks in Defuniak Springs, FL | 35 mi | 6 | 6 |
| Banks in Blountstown, FL | 37 mi | 4 | 4 |
| Banks in Lynn Haven, FL | 38 mi | 5 | 5 |
| Banks in Freeport, FL | 40 mi | 4 | 4 |
| Banks in Panama City, FL | 41 mi | 18 | 25 |
Bank branch openings and closings in Chipley
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Chipley 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 Chipley
Short answer: 1 institution has its main office in Chipley: Community South Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Community South Credit Union | Credit union | $239.1 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Chipley by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Chipley offices.
Short answer: Wells Fargo is the largest bank with offices in Chipley, with $1.91 trillion in total assets on June 30, 2026, No. 4 among U.S. banks by total assets. Regions Bank is second with $159.79 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| Regions Bank | $159.79 billion | No. 27 | 1 | Birmingham, AL |
| Hancock Whitney | $36.33 billion | No. 60 | 1 | Gulfport, MS |
| First Federal Bank | $4.49 billion | No. 309 | 1 | Lake City, FL |
| Capital City Bank | $4.45 billion | No. 313 | 1 | Tallahassee, FL |
| PeoplesSouth Bank | $1.21 billion | No. 886 | 1 | Colquitt, GA |
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 Chipley: FAQ
How many banks are in Chipley, FL?
Chipley has 6 banks with 6 branches and 2 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 Chipley?
Wells Fargo, with 1. Regions Bank has 1 and Hancock Whitney has 1.
Is there a Wells Fargo in Chipley, FL?
Yes. FDIC data lists 1 Wells Fargo branch in Chipley as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a Regions Bank in Chipley, FL?
Yes. FDIC data lists 1 Regions Bank branch in Chipley as of September 5, 2026. The address and directions are under Regions Bank above.
Is there a Hancock Whitney in Chipley, FL?
Yes. FDIC data lists 1 Hancock Whitney branch in Chipley as of September 5, 2026. The address and directions are under Hancock Whitney above.
Is there a Chase in Chipley, FL?
No. FDIC data lists no Chase branch in Chipley as of September 5, 2026. The nearest is in Tallahassee, about 78 miles away in a straight line.
Which banks in Chipley are open on Saturday?
Community South Credit Union publishes Saturday hours for one or more Chipley locations. The Saturday section above lists each one with its hours. 5 of the 9 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Chipley?
Community South Credit Union has its main office in Chipley, according to the FDIC and the NCUA.
What is the oldest bank in Chipley?
Wells Fargo has the longest record among banks with a branch here: the FDIC shows it operating since 1870.
Which credit unions can I join in Chipley?
Community South Credit Union and Innovations Financial Credit Union have offices in Chipley. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Chipley 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 Chipley?
Nearby cities with more banks include Bonifay, Graceville, Marianna. Bonifay is 8 miles away with 2 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 2 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 (1 of 6 branches: 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 |
See your odds before you apply
Banrox shows how likely a card or loan is for your profile, from your own data, without a hard pull. Platform live; card in early access; no card issued.
Check your odds