Banks in Key Largo, FL

Bank branch map: Key Largo

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: 6 banks and credit unions operate 10 locations in Key Largo, according to the FDIC. 10 of them have coordinates on record and are on the map. 3 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 in Key Largo

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

Short answer: First Horizon has the most locations in Key Largo, with 3. It is followed by Bank of America (2), First State Bank (2). 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.

First Horizon First Horizon Bank · 3 branches · main office Memphis, TN Bank · 3

First Horizon has 3 branches in Key Largo, 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 Key Largo Branch at 99451 Overseas Hwy dates to 1978 in FDIC branch records. Its published hours do not list Saturday.

• Ocean Reef Branch

  35 Ocean Reef Dr, 33037

  Hours: see the bank's site
  DirectionsWebsite
• Messenger Service Branch

  99451 Overseas Hwy, 33037

  Hours: see the bank's site
  DirectionsWebsite
• Key Largo Branch

  99451 Overseas Hwy, 33037

  (305) 451-0211Today 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

Bank of America Bank of America, National Association · 2 branches · main office Charlotte, NC Bank · 2

Bank of America has 2 branches in Key Largo, 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 Key Largo location is the Key Largo Branch at 99551 Overseas Hwy, dating to 1952; the newest, at 31 Ocean Reef Drive, Ocean Reef Club, to 1983. Its published hours do not list Saturday.

• Ocean Reef Branch

  31 Ocean Reef Drive, Ocean Reef Club, 33037

  Hours: see the bank's site
  DirectionsWebsite
• Key Largo Branch

  99551 Overseas Hwy, 33037

  (305) 453-4461Today 9 am to 4 pm

  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

  DirectionsBranch page

Bank of America: profile, branches and contacts

First State Bank 2 branches · main office Key West, FL Bank · 2

First State Bank has 2 branches in Key Largo, 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. In FDIC branch records, its longest-running Key Largo location is the Key Largo Branch at 97670 Overseas Hwy, dating to 1977; the newest, at 101433 Overseas Hwy, to 1997. It does not publish hours in the sources this page uses; check its site before you go.

• Tradewinds Branch

  101433 Overseas Hwy, 33037

  Hours: see the bank's site
  DirectionsWebsite
• Key Largo Branch

  97670 Overseas Hwy, 33037

  Hours: see the bank's site
  DirectionsWebsite

First State Bank: profile, branches and contacts

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

Centennial Bank has 1 branch in Key Largo, 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 Key Largo Branch at 100280 Overseas Hwy dates to 2007 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Key Largo Branch

  100280 Overseas Hwy, 33037

  Hours: see the bank's site
  DirectionsWebsite

Centennial Bank: profile, branches and contacts

Northern Trust The Northern Trust Company · 1 branch · main office Chicago, IL Bank · 1

Northern Trust has 1 branch in Key Largo, 27 across Florida and 65 nationwide. FDIC records list its main office in Chicago, IL and show it operating since 1889. With $178.57 billion in total assets on June 30, 2026, it ranks No. 25 of 4,232 U.S. banks by total assets. The Ocean Reef Branch at 31 Ocean Reef Dr dates to 2022 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Ocean Reef Branch

  31 Ocean Reef Dr, 33037

  Hours: see the bank's site
  DirectionsWebsite

Northern Trust: profile, branches and contacts

Wells Fargo Wells Fargo Bank, National Association · 1 branch · main office Sioux Falls, SD Bank · 1

Wells Fargo has 1 branch in Key Largo, 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 Key Largo Branch at 100000 Overseas Hwy dates to 1980 in FDIC branch records. Its published hours do not list Saturday.

• Key Largo Branch

  100000 Overseas Hwy, 33037

  (305) 451-4477Today 9 am to 5 pm

  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

  DirectionsBranch page

Wells Fargo: profile, branches and contacts

Banking in Key Largo: the local picture

Short answer: 6 banks run 10 branches in Key Largo 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 Key Largo, 1 elsewhere in Florida and 5 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 Bank of America's office at 99551 Overseas Hwy, dating to 1952; the newest is Northern Trust's at 31 Ocean Reef Dr, from 2022.

Of the 3 locations with published hours. None open on Saturday. 7 locations have no published hours in these sources.

Saturday hours in Key Largo

Short answer: None of the 3 Key Largo locations with published hours lists Saturday hours. 7 locations do not publish hours in these sources; call ahead.

Bank branches show hours only where the bank publishes them in a source this page uses; 7 of the 10 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 Key Largo, and where the nearest one is if they do not.

Short answer: In Key Largo: Wells Fargo (1), Bank of America (2). No branches in Key Largo: Chase (nearest in Florida City, 23 mi), PNC Bank (nearest in Miami, 34 mi), U.S. Bank (nearest in Palm Beach, 111 mi), Truist (nearest in Homestead, 24 mi), Fifth Third Bank (nearest in Miramar, 58 mi), Huntington (nearest in Naples, 116 mi), Regions Bank (nearest in Homestead, 24 mi), TD Bank (nearest in Homestead, 24 mi), BMO (nearest in Marco Island, 100 mi).

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

Banks near Key Largo

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

Short answer: The closest towns with more choice are Tavernier (11 miles) and Islamorada (21 miles). Homestead, 24 miles away, has the most banks nearby: 8.

Bank branch openings and closings in Key Largo

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

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

Largest banks in Key Largo by total assets

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

Short answer: Bank of America is the largest bank with offices in Key Largo, 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.

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 Key Largo: FAQ

How we build this page

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