US Bank Directory
Banks in Key West, FL
7 FDIC-insured banks operate 11 offices in Key West, Florida, and 3 credit unions have 5 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: Key West
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: 10 banks and credit unions operate 16 locations in Key West, according to the FDIC and the NCUA. 16 of them have coordinates on record and are on the map. 10 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
16 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 Key West
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Centennial Bank has the most locations in Key West, with 3. It is followed by First Horizon (2), First State Bank (2). 4 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.
Centennial Bank Bank · 3
Centennial Bank has 3 branches in Key West, 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. In FDIC branch records, its longest-running Key West location is the Key West Branch at 701 Whitehead St, dating to 1999; the newest, at 1229 Simonton St, to 2007. It does not publish hours in the sources this page uses; check its site before you go.
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Key West Olde Town Branch1229 Simonton St, 33040
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Key West Branch2514 N Roosevelt Blvd, 33040
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Key West Branch701 Whitehead St, 33040
Keys Credit Union Credit union · 3
Keys Credit Union has 3 officees in Key West, 6 across Florida. It is based in Key West, FL and $257.9 million in assets on March 31, 2026, according to its NCUA call report. None of its 3 Key West locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Main Office main office3022 N Roosevelt Blvd, 33040
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
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Southard Street514 Southard St, 33040
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Stock Island5402 Overseas Hwy, 33040
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
First Horizon Bank · 2
First Horizon has 2 branches in Key West, 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. In FDIC branch records, its longest-running Key West location is the Key West Branch at 330 Whitehead St, dating to 1989; the newest, at 3618 N Roosevelt Blvd, to 1994. None of its 2 Key West locations with published hours lists Saturday hours.
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Key West Branch330 Whitehead St, 33040
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
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North Roosevelt Branch3618 N Roosevelt Blvd, 33040
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
First State Bank Bank · 2
First State Bank has 2 branches in Key West, 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 West location is its main office at 1201 Simonton St, dating to 1955; the newest, at 3406 N Roosevelt Blvd, to 1985. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office1201 Simonton St, 33040
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Boulevard Branch3406 N Roosevelt Blvd, 33040
Bank of America Bank · 1
Bank of America has 1 branch in Key West, 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 Key West Flagler Branch at 3200 Flagler Ave dates to 1984 in FDIC branch records. Its published hours do not list Saturday.
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Key West Flagler Branch3200 Flagler Ave, 33040
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat to Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Gulf Atlantic Bank Bank · 1
Gulf Atlantic Bank has 1 branch in Key West, 5 across Florida and 5 nationwide. FDIC records list its main office in Key West, FL and show it operating since 2020. With $253.2 million in total assets on June 30, 2026, it ranks No. 2,713 of 4,232 U.S. banks by total assets. Its main office at 2222 N Roosevelt Blvd dates to 2020 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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Main Office main office2222 N Roosevelt Blvd, 33040
Monroe County Teachers Credit Union Credit union · 1
Monroe County Teachers Credit Union has 1 office in Key West, 1 across Florida. It is based in Key West, FL and $25.1 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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Main Office main office1442 Kennedy Dr, 33040
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Southernmost Credit Union Credit union · 1
Southernmost Credit Union has 1 office in Key West, 1 across Florida. It is based in Key West, FL and $16.7 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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Main Office main office1004 Kennedy Dr, 33040
All hours
Mon to Tue 8:30 am to 5 pm; Wed 9 am to 6 pm; Thu 12 pm to 5 pm; Fri to Sun not published
Hours: NCUA, March 31, 2026
Truist Bank · 1
Truist has 1 branch in Key West, 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 Key West Branch at 1010 Kennedy Dr dates to 1971 in FDIC branch records. Its published hours do not list Saturday.
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Key West Branch1010 Kennedy Dr, 33040
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 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 Key West, 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 West Branch at 3131 Northside Dr dates to 1980 in FDIC branch records. Its published hours do not list Saturday.
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Key West Branch3131 Northside Dr, 33040
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 Key West
3 credit unions have 5 offices here: Keys Credit Union, Monroe County Teachers Credit Union and Southernmost 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 Key West page has every office in the state's directory.
Banking in Key West: the local picture
Short answer: 7 banks run 11 branches in Key West 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, 2 have their main office in Key West 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 First State Bank's office at 1201 Simonton St, dating to 1955; the newest is Gulf Atlantic Bank's at 2222 N Roosevelt Blvd, from 2020.
3 credit unions have 5 offices in Key West, according to the NCUA. Who can join each one is on the credit unions page.
Of the 10 locations with published hours. None open on Saturday. 6 locations have no published hours in these sources.
Saturday hours in Key West
Short answer: None of the 10 Key West locations with published hours lists Saturday hours. 6 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; 6 of the 16 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 West, and where the nearest one is if they do not.
Short answer: In Key West: Wells Fargo (1), Bank of America (1), Truist (1). No branches in Key West: Chase (nearest in Marco Island, 95 mi), PNC Bank (nearest in Naples, 110 mi), U.S. Bank (nearest in Naples, 117 mi), Fifth Third Bank (nearest in Marco Island, 96 mi), Huntington (nearest in Naples, 116 mi), Regions Bank (nearest in Homestead, 105 mi), TD Bank (nearest in Naples, 104 mi), BMO (nearest in Marco Island, 96 mi).
| Bank | In Key West | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| Bank of America | 1 branch | here |
| Truist | 1 branch | here |
| Chase | None | Marco Island, 95 miles away |
| PNC Bank | None | Naples, 110 miles away |
| U.S. Bank | None | Naples, 117 miles away |
| Fifth Third Bank | None | Marco Island, 96 miles away |
| Huntington | None | Naples, 116 miles away |
| Regions Bank | None | Homestead, 105 miles away |
| TD Bank | None | Naples, 104 miles away |
| BMO | None | Marco Island, 96 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Key West 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 Key West residents like anyone else.
Banks near Key West
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Big Pine Key (28 miles) and Marathon (46 miles). Naples, 113 miles away, has the most banks nearby: 37.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Big Pine Key, FL | 28 mi | 3 | 3 |
| Banks in Marathon, FL | 46 mi | 5 | 6 |
| Banks in Islamorada, FL | 75 mi | 3 | 3 |
| Banks in Tavernier, FL | 85 mi | 2 | 2 |
| Banks in Key Largo, FL | 95 mi | 6 | 10 |
| Banks in Marco Island, FL | 96 mi | 10 | 11 |
| Banks in Homestead, FL | 105 mi | 8 | 13 |
| Banks in Naples, FL | 113 mi | 37 | 113 |
Bank branch openings and closings in Key West
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Key West 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 Key West
Short answer: 5 institutions have their main office in Key West: Keys Credit Union, First State Bank, Gulf Atlantic Bank and Monroe County Teachers Credit Union and 1 more.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Keys Credit Union | Credit union | $257.9 million | 3 |
| First State Bank | Bank | $1.18 billion | 2 |
| Gulf Atlantic Bank | Bank | $253.2 million | 1 |
| Monroe County Teachers Credit Union | Credit union | $25.1 million | 1 |
| Southernmost Credit Union | Credit union | $16.7 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Key West by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Key West offices.
Short answer: Bank of America is the largest bank with offices in Key West, 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. 2 of the 7 banks are headquartered here. 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 |
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| First Horizon | $84.12 billion | No. 38 | 2 | Memphis, TN |
| Centennial Bank | $24.55 billion | No. 89 | 3 | Conway, AR |
| First State Bank | $1.18 billion | No. 905 | 2 | Key West, FL |
| Gulf Atlantic Bank | $253.2 million | No. 2,713 | 1 | Key West, FL |
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 West: FAQ
How many banks are in Key West, FL?
Key West has 7 banks with 11 branches and 3 credit unions with 5 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 Key West?
Centennial Bank, with 3. First Horizon has 2 and First State Bank has 2.
Is there a Centennial Bank in Key West, FL?
Yes. FDIC data lists 3 Centennial Bank branches in Key West as of September 5, 2026. Its branches are listed under Centennial Bank above, with the address and directions for each.
Is there a First Horizon in Key West, FL?
Yes. FDIC data lists 2 First Horizon branches in Key West as of September 5, 2026. Its branches are listed under First Horizon above, with the address and directions for each.
Is there a First State Bank in Key West, FL?
Yes. FDIC data lists 2 First State Bank branches in Key West as of September 5, 2026, the main office at 1201 Simonton St. Its branches are listed under First State Bank above, with the address and directions for each.
Is there a Chase in Key West, FL?
No. FDIC data lists no Chase branch in Key West as of September 5, 2026. The nearest is in Marco Island, about 95 miles away in a straight line.
Which banks in Key West are open on Saturday?
None of the 10 locations with published hours lists Saturday hours. 6 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Key West?
Keys Credit Union, First State Bank, Gulf Atlantic Bank, Monroe County Teachers Credit Union and Southernmost Credit Union have their main office in Key West, according to the FDIC and the NCUA.
What is the oldest bank in Key West?
First Horizon has the longest record among banks with a branch here: the FDIC shows it operating since 1864.
Which credit unions can I join in Key West?
Keys Credit Union, Monroe County Teachers Credit Union and Southernmost Credit Union have offices in Key West. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Key West 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 Key West?
Nearby cities with more banks include Big Pine Key, Marathon, Islamorada. Big Pine Key is 28 miles away with 3 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 5 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 11 branches: Bank of America, First Horizon, 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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