US Bank Directory
Banks in Gulf Breeze, FL
7 FDIC-insured banks operate 8 offices in Gulf Breeze, Florida, and 4 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: Gulf Breeze
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: 11 banks and credit unions operate 12 locations in Gulf Breeze, according to the FDIC and the NCUA. 12 of them have coordinates on record and are on the map. 7 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
12 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 Gulf Breeze
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Regions Bank has the most locations in Gulf Breeze, with 2. The other 6 each 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.
Regions Bank Bank · 2
Regions Bank has 2 branches in Gulf Breeze, 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. In FDIC branch records, its longest-running Gulf Breeze location is the Gulf Breeze 400 Gulf Breeze Pkwy Branch at 400 Gulf Breeze Pkwy, dating to 1987; the newest, at 3377 Gulf Breeze Pkwy, to 1993. It does not publish hours in the sources this page uses; check its site before you go.
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Tiger Point Branch3377 Gulf Breeze Pkwy, 32563
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Gulf Breeze 400 Gulf Breeze Pkwy Branch400 Gulf Breeze Pkwy, 32561
Bank of America Bank · 1
Bank of America has 1 branch in Gulf Breeze, 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. The Gulf Breeze Branch at 301 Gulf Breeze Pkwy dates to 1986 in FDIC branch records. Its published hours do not list Saturday.
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Gulf Breeze Branch301 Gulf Breeze Pkwy, 32561
All hours
Mon to Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Gulf Winds Credit Union Credit union · 1
Gulf Winds Credit Union has 1 office in Gulf Breeze, 10 across Florida. It is based in Pensacola, FL and $1.33 billion 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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Gulf Breeze Branch1300 Shoreline Dr, 32561
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Hancock Whitney Bank · 1
Hancock Whitney has 1 branch in Gulf Breeze, 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 Gulf Breeze Branch at 1387 Shoreline Dr dates to 1999 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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Gulf Breeze Branch1387 Shoreline Dr, 32561
Navy Federal Credit Union Credit union · 1
Navy Federal Credit Union has 1 office in Gulf Breeze, 35 across Florida. It is based in Vienna, VA and $203.56 billion 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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Gulf Breeze Fl1153 Gulf Breeze Pkwy Ste A, 32561
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Penair Credit Union Credit union · 1
Penair Credit Union has 1 office in Gulf Breeze, 11 across Florida. It is based in Pensacola, FL and $2.77 billion in assets on March 31, 2026, according to its NCUA call report. It does not publish hours in the sources this page uses; check its site before you go.
Who can join: see the credit union's site.
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Gulf Breeze3591 Gulf Breeze Pkwy, 32563
Pinnacle Bank Bank · 1
Pinnacle Bank has 1 branch in Gulf Breeze, 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 Gulf Breeze Brance at 10 Daniel Dr dates to 1997 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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Gulf Breeze Brance10 Daniel Dr, 32561
PNC Bank Bank · 1
PNC Bank has 1 branch in Gulf Breeze, 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. The Gulf Breeze Branch at 1170 Gulf Breeze Pkwy dates to 1986 in FDIC branch records. Its published hours do not list Saturday.
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Gulf Breeze Branch1170 Gulf Breeze Pkwy, 32561
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
Santa Rosa County Credit Union Credit union · 1
Santa Rosa County Credit Union has 1 office in Gulf Breeze, 5 across Florida. It is based in Milton, FL and $221.2 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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Midway Branch4934 Gulf Breeze Pkwy, 32563
All hours
Mon to Fri 8 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Truist Bank · 1
Truist has 1 branch in Gulf Breeze, 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 Tiger Point Branch at 3301 Gulf Breeze Pkwy dates to 1985 in FDIC branch records. Its published hours do not list Saturday.
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Tiger Point Branch3301 Gulf Breeze Pkwy, 32563
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 Gulf Breeze, 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 Tiger Point Branch at 3775 Gulf Breeze Pkwy dates to 1998 in FDIC branch records. Its published hours do not list Saturday.
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Tiger Point Branch3775 Gulf Breeze Pkwy, 32563
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 Gulf Breeze
4 credit unions have 4 offices here: Navy Federal Credit Union, Penair Credit Union, Gulf Winds Credit Union and Santa Rosa 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 Gulf Breeze page has every office in the state's directory.
Banking in Gulf Breeze: the local picture
Short answer: 7 banks run 8 branches in Gulf Breeze 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 7 banks, 0 have their main office in Gulf Breeze and 7 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 Truist's office at 3301 Gulf Breeze Pkwy, dating to 1985; the newest is Hancock Whitney's at 1387 Shoreline Dr, from 1999.
4 credit unions have 4 offices in Gulf Breeze, according to the NCUA. Who can join each one is on the credit unions page.
Of the 7 locations with published hours. None open on Saturday. 5 locations have no published hours in these sources.
Banks by ZIP code in Gulf Breeze
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 32561 has the most bank and credit union offices in Gulf Breeze (7), followed by 32563 (5). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 32561 | 7 | 7 | Bank of America, Gulf Winds Credit Union, Hancock Whitney |
| 32563 | 5 | 5 | Penair Credit Union, Regions Bank, Santa Rosa County Credit Union |
Saturday hours in Gulf Breeze
Short answer: None of the 7 Gulf Breeze locations with published hours lists Saturday hours. 5 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; 5 of the 12 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 Gulf Breeze, and where the nearest one is if they do not.
Short answer: In Gulf Breeze: Wells Fargo (1), Bank of America (1), PNC Bank (1), Truist (1), Regions Bank (2). No branches in Gulf Breeze: Chase (nearest in Tallahassee, 169 mi), U.S. Bank (nearest in Sarasota, 348 mi), Fifth Third Bank (nearest in Newberry, 282 mi), Huntington (nearest in Pensacola, 8 mi), TD Bank (nearest in Live Oak, 247 mi), BMO (nearest in Tampa, 328 mi).
| Bank | In Gulf Breeze | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| Bank of America | 1 branch | here |
| PNC Bank | 1 branch | here |
| Truist | 1 branch | here |
| Regions Bank | 2 branches | here |
| Chase | None | Tallahassee, 169 miles away |
| U.S. Bank | None | Sarasota, 348 miles away |
| Fifth Third Bank | None | Newberry, 282 miles away |
| Huntington | None | Pensacola, 8 miles away |
| TD Bank | None | Live Oak, 247 miles away |
| BMO | None | Tampa, 328 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Gulf Breeze 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 Gulf Breeze residents like anyone else.
Banks near Gulf Breeze
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Pensacola (9 miles) and Pace (16 miles). Pensacola, 9 miles away, has the most banks nearby: 18.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Pensacola, FL | 9 mi | 18 | 46 |
| Banks in Pace, FL | 16 mi | 5 | 5 |
| Banks in Navarre, FL | 16 mi | 5 | 5 |
| Banks in Milton, FL | 18 mi | 4 | 4 |
| Banks in Mary Esther, FL | 28 mi | 3 | 3 |
| Banks in Fort Walton Beach, FL | 31 mi | 17 | 18 |
| Banks in Shalimar, FL | 33 mi | 2 | 2 |
| Banks in Niceville, FL | 41 mi | 11 | 12 |
Bank branch openings and closings in Gulf Breeze
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Gulf Breeze between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Gulf Breeze by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Gulf Breeze offices.
Short answer: Bank of America is the largest bank with offices in Gulf Breeze, with $2.65 trillion in total assets on June 30, 2026, No. 2 among U.S. banks by total assets. Wells Fargo is second with $1.91 trillion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| Regions Bank | $159.79 billion | No. 27 | 2 | Birmingham, AL |
| Pinnacle Bank | $128.79 billion | No. 28 | 1 | Nashville, TN |
| Hancock Whitney | $36.33 billion | No. 60 | 1 | Gulfport, MS |
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 Gulf Breeze: FAQ
How many banks are in Gulf Breeze, FL?
Gulf Breeze has 7 banks with 8 branches and 4 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 Gulf Breeze?
Regions Bank, with 2. Bank of America has 1 and Wells Fargo has 1.
Is there a Regions Bank in Gulf Breeze, FL?
Yes. FDIC data lists 2 Regions Bank branches in Gulf Breeze as of September 5, 2026. Its branches are listed under Regions Bank above, with the address and directions for each.
Is there a Bank of America in Gulf Breeze, FL?
Yes. FDIC data lists 1 Bank of America branch in Gulf Breeze as of September 5, 2026. The address and directions are under Bank of America above.
Is there a Wells Fargo in Gulf Breeze, FL?
Yes. FDIC data lists 1 Wells Fargo branch in Gulf Breeze as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a Chase in Gulf Breeze, FL?
No. FDIC data lists no Chase branch in Gulf Breeze as of September 5, 2026. The nearest is in Tallahassee, about 169 miles away in a straight line.
Which banks in Gulf Breeze are open on Saturday?
None of the 7 locations with published hours lists Saturday hours. 5 locations do not publish hours in our sources; call ahead.
What is the oldest bank in Gulf Breeze?
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 Gulf Breeze?
Navy Federal Credit Union, Penair Credit Union, Gulf Winds Credit Union and Santa Rosa County Credit Union have offices in Gulf Breeze. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Gulf Breeze 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 Gulf Breeze?
Nearby cities with more banks include Pensacola, Pace, Navarre. Pensacola is 9 miles away with 18 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 (4 of 8 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 |
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