US Bank Directory
Banks in Fernandina Beach, FL
12 FDIC-insured banks operate 14 offices in Fernandina Beach, Florida, and 2 credit unions have 4 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: Fernandina Beach
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: 14 banks and credit unions operate 18 locations in Fernandina Beach, according to the FDIC and the NCUA. 18 of them have coordinates on record and are on the map. 9 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
18 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 Fernandina Beach
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Bank of America and PNC Bank have the most locations in Fernandina Beach, with 2 each. 10 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 America Bank · 2
Bank of America has 2 branches in Fernandina Beach, 414 across Florida 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. In FDIC branch records, its longest-running Fernandina Beach location is the Eighth Street Branch at 1822 S 8th St, dating to 1985; the newest, at 92 Amelia Village Cir, to 2022. Its published hours do not list Saturday.
-
Eighth Street Branch1822 S 8th St, 32034
All hours
Mon closed; Tue to Fri 9 am to 4 pm; Sat to Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
-
Pwm Amelia Island Branch92 Amelia Village Cir, 32034
Container Mutual Credit Union Credit union · 2
Container Mutual Credit Union has 2 officees in Fernandina Beach, 2 across Florida. It is based in Fernandina Beac, FL and $5.8 million in assets on March 31, 2026, according to its NCUA call report. None of its 2 Fernandina Beach locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
-
Main Office main office600 N 8Th St, 32034
All hours
Mon to Fri 8 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
-
Container Mutual Credit Union600 N 8Th St, 32034
All hours
Mon to Fri 8 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
PNC Bank Bank · 2
PNC Bank has 2 branches in Fernandina Beach, 201 across Florida and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Fernandina Beach location is the Fernandina Beach Branch at 1742 S 8th St, dating to 1985; the newest, at 4800 First Coast Hwy, to 2000. 1 of its 2 Fernandina Beach locations with published hours open on Saturday.
-
Fernandina Beach Branch1742 S 8th St, 32034
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
-
Amelia Island Branch4800 First Coast Hwy, 32034
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
Vystar Credit Union Credit union · 2
Vystar Credit Union has 2 officees in Fernandina Beach, 92 across Florida. It is based in Jacksonville, FL and $13.80 billion in assets on March 31, 2026, according to its NCUA call report. None of its 2 Fernandina Beach locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
-
117-Fernandina Beach1900 S 14Th St, 32034
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
-
416-Fernandina High School435 Citrona Dr, 32034
All hours
Mon to Fri 12:30 pm to 1 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Bank of England Bank · 1
Bank of England has 1 branch in Fernandina Beach, 11 across Florida and 151 nationwide. FDIC records list its main office in England, AR and show it operating since 1898. With $332.3 million in total assets on June 30, 2026, it ranks No. 2,339 of 4,232 U.S. banks by total assets. The Eng Lending at 4800 First Coast Hwy dates to 2018 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Eng Lending4800 First Coast Hwy, 32034
Chase Bank · 1
Chase has 1 branch in Fernandina Beach, 434 across Florida 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 Amelia Island Branch at 821 Sadler Rd dates to 2025 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Amelia Island Branch821 Sadler Rd, 32034
First Federal Bank Bank · 1
First Federal Bank has 1 branch in Fernandina Beach, 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 Fernandina Main Office Branch at 1891 S 14th 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.
-
Fernandina Main Office Branch1891 S 14th St, 32034
First Port City Bank Bank · 1
First Port City Bank has 1 branch in Fernandina Beach, 2 across Florida and 6 nationwide. FDIC records list its main office in Bainbridge, GA and show it operating since 1974. With $623.9 million in total assets on June 30, 2026, it ranks No. 1,520 of 4,232 U.S. banks by total assets. The Fernandina Beach Branch at 1890 S 14th 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.
-
Fernandina Beach Branch1890 S 14th St, 32034
Pineland Bank Bank · 1
Pineland Bank has 1 branch in Fernandina Beach, 1 across Florida and 9 nationwide. FDIC records list its main office in Alma, GA and show it operating since 1939. With $597.1 million in total assets on June 30, 2026, it ranks No. 1,570 of 4,232 U.S. banks by total assets. The Downtown Fernandina Beach Branch at 715 Centre St dates to 2003 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Downtown Fernandina Beach Branch715 Centre St, 32034
Pinnacle Bank Bank · 1
Pinnacle Bank has 1 branch in Fernandina Beach, 88 across Florida and 429 nationwide. FDIC records list its main office in Nashville, TN and show it operating since 2000. With $128.79 billion in total assets on June 30, 2026, it ranks No. 28 of 4,232 U.S. banks by total assets. The Fernandina Beach Branch at 1750 S 14th St dates to 1987 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Fernandina Beach Branch1750 S 14th St, 32034
PrimeSouth Bank Bank · 1
PrimeSouth Bank has 1 branch in Fernandina Beach, 1 across Florida and 8 nationwide. FDIC records list its main office in Blackshear, GA and show it operating since 1891. With $1.60 billion in total assets on June 30, 2026, it ranks No. 703 of 4,232 U.S. banks by total assets. The Fernandina Beach Branch at 1500 Sadler Rd dates to 2019 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Fernandina Beach Branch1500 Sadler Rd, 32034
Regions Bank Bank · 1
Regions Bank has 1 branch in Fernandina Beach, 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 Fernandina Beach Branch at 1409 Sadler Rd dates to 2003 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Fernandina Beach Branch1409 Sadler Rd, 32034
Truist Bank · 1
Truist has 1 branch in Fernandina Beach, 441 across Florida and 1,931 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1872. With $548.35 billion in total assets on June 30, 2026, it ranks No. 9 of 4,232 U.S. banks by total assets. The Island Walk Branch at 1920 S 14th St dates to 2022 in FDIC branch records. Its published hours do not list Saturday.
-
Island Walk Branch1920 S 14th St, 32034
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Fernandina Beach, 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 Five Points Branch at 1860 S 8th St dates to 1979 in FDIC branch records. Its published hours do not list Saturday.
-
Five Points Branch1860 S 8th St, 32034
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 Fernandina Beach
2 credit unions have 4 offices here: Vystar Credit Union and Container Mutual 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 Fernandina Beach page has every office in the state's directory.
Banking in Fernandina Beach: the local picture
Short answer: 12 banks run 14 branches in Fernandina Beach 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 12 banks, 0 have their main office in Fernandina Beach, 1 elsewhere in Florida and 11 out of state, according to the FDIC.
The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is Wells Fargo's office at 1860 S 8th St, dating to 1979; the newest is Chase's at 821 Sadler Rd, from 2025.
2 credit unions have 4 offices in Fernandina Beach, according to the NCUA. Who can join each one is on the credit unions page.
Of the 9 locations with published hours. 1 opens on Saturday. 9 locations have no published hours in these sources.
Banks open on Saturday in Fernandina Beach
Short answer: 1 of the 9 Fernandina Beach locations with published hours opens on Saturday, run by 1 institution.
- PNC Bank: 1 of 2 branches (4800 First Coast Hwy: Saturday 9 am to 1 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; 9 of the 18 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 Fernandina Beach, and where the nearest one is if they do not.
Short answer: In Fernandina Beach: Chase (1), Wells Fargo (1), Bank of America (2), PNC Bank (2), Truist (1), Regions Bank (1). No branches in Fernandina Beach: U.S. Bank (nearest in Sarasota, 237 mi), Fifth Third Bank (nearest in Jacksonville, 20 mi), Huntington (nearest in Dunnellon, 124 mi), TD Bank (nearest in Jacksonville, 25 mi), BMO (nearest in Tampa, 195 mi).
| Bank | In Fernandina Beach | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| Wells Fargo | 1 branch | here |
| Bank of America | 2 branches | here |
| PNC Bank | 2 branches | here |
| Truist | 1 branch | here |
| Regions Bank | 1 branch | here |
| U.S. Bank | None | Sarasota, 237 miles away |
| Fifth Third Bank | None | Jacksonville, 20 miles away |
| Huntington | None | Dunnellon, 124 miles away |
| TD Bank | None | Jacksonville, 25 miles away |
| BMO | None | Tampa, 195 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Fernandina Beach 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 Fernandina Beach residents like anyone else.
Banks near Fernandina Beach
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Yulee (7 miles) and Atlantic Beach (21 miles). Jacksonville, 26 miles away, has the most banks nearby: 30.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Yulee, FL | 7 mi | 5 | 7 |
| Banks in Atlantic Beach, FL | 21 mi | 2 | 2 |
| Banks in Neptune Beach, FL | 22 mi | 4 | 4 |
| Banks in Callahan, FL | 23 mi | 2 | 2 |
| Banks in Jacksonville Beach, FL | 25 mi | 7 | 9 |
| Banks in Jacksonville, FL | 26 mi | 30 | 148 |
| Banks in Ponte Vedra Beach, FL | 30 mi | 10 | 13 |
| Banks in Ponte Vedra, FL | 33 mi | 4 | 4 |
Bank branch openings and closings in Fernandina Beach
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Fernandina Beach between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Fernandina Beach by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Fernandina Beach offices.
Short answer: Chase is the largest bank with offices in Fernandina Beach, 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 | 2 | Charlotte, NC |
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| PNC Bank | $609.77 billion | No. 8 | 2 | Wilmington, DE |
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| Regions Bank | $159.79 billion | No. 27 | 1 | Birmingham, AL |
| Pinnacle Bank | $128.79 billion | No. 28 | 1 | Nashville, TN |
| First Federal Bank | $4.49 billion | No. 309 | 1 | Lake City, FL |
| PrimeSouth Bank | $1.60 billion | No. 703 | 1 | Blackshear, GA |
| First Port City Bank | $623.9 million | No. 1,520 | 1 | Bainbridge, 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 Fernandina Beach: FAQ
How many banks are in Fernandina Beach, FL?
Fernandina Beach has 12 banks with 14 branches and 2 credit unions with 4 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 Fernandina Beach?
Bank of America, with 2. PNC Bank has 2 and Chase has 1.
Is there a Bank of America in Fernandina Beach, FL?
Yes. FDIC data lists 2 Bank of America branches in Fernandina Beach as of September 5, 2026. Its branches are listed under Bank of America above, with the address and directions for each.
Is there a PNC Bank in Fernandina Beach, FL?
Yes. FDIC data lists 2 PNC Bank branches in Fernandina Beach as of September 5, 2026. Its branches are listed under PNC Bank above, with the address and directions for each.
Is there a Chase in Fernandina Beach, FL?
Yes. FDIC data lists 1 Chase branch in Fernandina Beach as of September 5, 2026. The address and directions are under Chase above.
Is there a U.S. Bank in Fernandina Beach, FL?
No. FDIC data lists no U.S. Bank branch in Fernandina Beach as of September 5, 2026. The nearest is in Sarasota, about 237 miles away in a straight line.
Which banks in Fernandina Beach are open on Saturday?
PNC Bank publishes Saturday hours for one or more Fernandina Beach locations. The Saturday section above lists each one with its hours. 9 of the 18 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Fernandina Beach?
PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.
Which credit unions can I join in Fernandina Beach?
Vystar Credit Union and Container Mutual Credit Union have offices in Fernandina Beach. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Fernandina Beach 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 Fernandina Beach?
Nearby cities with more banks include Yulee, Atlantic Beach, Neptune Beach. Yulee is 7 miles away with 5 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 4 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 (5 of 14 branches: Bank of America, PNC Bank, Truist, 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