US Bank Directory
Banks in Lake City, FL
6 FDIC-insured banks operate 10 offices in Lake City, Florida, and 5 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: Lake City
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 15 locations in Lake City, according to the FDIC and the NCUA. 13 of them have coordinates on record and are on the map. 6 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
13 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 Lake City
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: First Federal Bank has the most locations in Lake City, with 4. It is followed by Millennium 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.
First Federal Bank Bank · 4
First Federal Bank has 4 branches in Lake City, 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. Its main office at 4705 W Us Highway 90 dates to 1961 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 office4705 W Us Highway 90, 32055
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Highway 90 W. Branch2571 W Us Highway 90, 32055
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First Federal Courier Service Branch4705 W Us Highway 90, 32055
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1255 South First Street Branch707 Sw Main Blvd, 32025
Millennium Bank Bank · 2
Millennium Bank has 2 branches in Lake City, 4 across Florida and 14 nationwide. FDIC records list its main office in Ooltewah, TN and show it operating since 1999. With $780.8 million in total assets on June 30, 2026, it ranks No. 1,286 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Lake City location is the Commons Office at 151 Nw Commons Loop, dating to 1989; the newest, at 514 Sthy 47, to 2001. It does not publish hours in the sources this page uses; check its site before you go.
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Commons Office151 Nw Commons Loop, 32055
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South Office514 Sthy 47, 32025
Ameris Bank Bank · 1
Ameris Bank has 1 branch in Lake City, 51 across Florida and 177 nationwide. FDIC records list its main office in Atlanta, GA and show it operating since 1971. With $28.42 billion in total assets on June 30, 2026, it ranks No. 76 of 4,232 U.S. banks by total assets. The Gleason'S Mall Branch at 2357 Sthy 90 West dates to 1934 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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Gleason'S Mall Branch2357 Sthy 90 West, 32055
Campus Usa Credit Union Credit union · 1
Campus Usa Credit Union has 1 office in Lake City, 23 across Florida. It is based in Gainesville, FL and $3.97 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Lake City1658 W Us Highway 90, 32055
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun closed
Hours: NCUA, March 31, 2026
Champions First Credit Union Credit union · 1
Champions First Credit Union has 1 office in Lake City, 9 across Florida. It is based in Tallahassee, FL and $535.8 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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Lake City224 Se Clements Pl, 32025
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Florida Credit Union Credit union · 1
Florida Credit Union has 1 office in Lake City, 16 across Florida. It is based in Gainesville, FL and $2.74 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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Lake City583 W Duval St, 32055
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Radiant Credit Union Credit union · 1
Radiant Credit Union has 1 office in Lake City, 15 across Florida. It is based in Gainesville, FL and $1.10 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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Lake City1659 W Us Highway 90, 32055
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Renasant Bank · 1
Renasant has 1 branch in Lake City, 26 across Florida and 266 nationwide. FDIC records list its main office in Tupelo, MS and show it operating since 1904. With $26.99 billion in total assets on June 30, 2026, it ranks No. 80 of 4,232 U.S. banks by total assets. The West Duval Branch at 463 W Duval St dates to 1990 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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West Duval Branch463 W Duval St, 32055
Seacoast Bank Bank · 1
Seacoast Bank has 1 branch in Lake City, 117 across Florida and 118 nationwide. FDIC records list its main office in Stuart, FL and show it operating since 1933. With $21.34 billion in total assets on June 30, 2026, it ranks No. 100 of 4,232 U.S. banks by total assets. The Lake City Branch at 350 Sw Main Blvd 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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Lake City Branch350 Sw Main Blvd, 32025
TD Bank Bank · 1
TD Bank has 1 branch in Lake City, 159 across Florida and 1,051 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1852. With $342.80 billion in total assets on June 30, 2026, it ranks No. 13 of 4,232 U.S. banks by total assets. The 90 West Office at 2844 U.S. 90 West dates to 1997 in FDIC branch records. It opens on Saturday.
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90 West Office2844 U.S. 90 West, 32055
All hours
Mon to Wed 9 am to 5 pm; Thu to Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun closed
Hours: TD Bank branch locator (All The Places), checked Oct 10, 2026
Vystar Credit Union Credit union · 1
Vystar Credit Union has 1 office in Lake City, 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. It opens on Saturday.
Who can join: see the credit union's site.
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134-Lake City411 Nw Commons Loop, 32055
All hours
Mon to Thu 9 am to 5 pm; Fri 7:30 am to 6 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Lake City
5 credit unions have 5 offices here: Vystar Credit Union, Campus Usa Credit Union, Florida Credit Union, Radiant Credit Union and Champions First 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 Lake City page has every office in the state's directory.
Banking in Lake City: the local picture
Short answer: 6 banks run 10 branches in Lake City 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, 1 has its main office in Lake City, 1 elsewhere in Florida and 4 out of state, according to the FDIC.
The bank with the longest record here is TD Bank, operating since 1852 according to the FDIC. In FDIC branch records, the longest-running branch is Ameris Bank's office at 2357 Sthy 90 West, dating to 1934; the newest is First Federal Bank's at 4705 W Us Highway 90, from 2022.
5 credit unions have 5 offices in Lake City, according to the NCUA. Who can join each one is on the credit unions page.
Of the 6 locations with published hours. 3 open on Saturday. 9 locations have no published hours in these sources.
Banks by ZIP code in Lake City
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 32055 has the most bank and credit union offices in Lake City (11), followed by 32025 (4). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 32055 | 11 | 9 | First Federal Bank, Ameris Bank, Campus Usa Credit Union |
| 32025 | 4 | 4 | Champions First Credit Union, First Federal Bank, Millennium Bank |
Banks and credit unions open on Saturday in Lake City
Short answer: 3 of the 6 Lake City locations with published hours open on Saturday, run by 3 institutions.
- TD Bank: 1 of 1 branch (2844 U.S. 90 West: Saturday 9 am to 1 pm)
- Vystar Credit Union: 1 of 1 office (411 Nw Commons Loop: Saturday 9 am to 12 pm)
- Campus Usa Credit Union: 1 of 1 office (1658 W Us 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; 9 of the 15 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 Lake City, and where the nearest one is if they do not.
Short answer: In Lake City: TD Bank (1). No branches in Lake City: Chase (nearest in Gainesville, 37 mi), Wells Fargo (nearest in Macclenny, 33 mi), Bank of America (nearest in Gainesville, 39 mi), PNC Bank (nearest in Gainesville, 39 mi), U.S. Bank (nearest in Sarasota, 197 mi), Truist (nearest in Newberry, 38 mi), Fifth Third Bank (nearest in Newberry, 38 mi), Huntington (nearest in Dunnellon, 79 mi), Regions Bank (nearest in Gainesville, 43 mi), BMO (nearest in Tampa, 155 mi).
| Bank | In Lake City | Nearest branch if none here |
|---|---|---|
| TD Bank | 1 branch | here |
| Chase | None | Gainesville, 37 miles away |
| Wells Fargo | None | Macclenny, 33 miles away |
| Bank of America | None | Gainesville, 39 miles away |
| PNC Bank | None | Gainesville, 39 miles away |
| U.S. Bank | None | Sarasota, 197 miles away |
| Truist | None | Newberry, 38 miles away |
| Fifth Third Bank | None | Newberry, 38 miles away |
| Huntington | None | Dunnellon, 79 miles away |
| Regions Bank | None | Gainesville, 43 miles away |
| BMO | None | Tampa, 155 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Lake City 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 Lake City residents like anyone else.
Banks near Lake City
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Live Oak (20 miles) and Branford (22 miles). Live Oak, 20 miles away, has the most banks nearby: 4.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Live Oak, FL | 20 mi | 4 | 5 |
| Banks in Branford, FL | 22 mi | 2 | 2 |
| Banks in High Springs, FL | 25 mi | 2 | 2 |
| Banks in Alachua, FL | 28 mi | 2 | 2 |
| Banks in Mayo, FL | 32 mi | 2 | 2 |
| Banks in Bell, FL | 33 mi | 2 | 2 |
| Banks in Macclenny, FL | 33 mi | 3 | 3 |
| Banks in Starke, FL | 37 mi | 4 | 4 |
Bank branch openings and closings in Lake City
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Lake City 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 Lake City
Short answer: 1 institution has its main office in Lake City: First Federal Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| First Federal Bank | Bank | $4.49 billion | 4 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Lake City by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Lake City offices.
Short answer: TD Bank is the largest bank with offices in Lake City, with $342.80 billion in total assets on June 30, 2026, No. 13 among U.S. banks by total assets. Ameris Bank is second with $28.42 billion. 1 of the 6 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| TD Bank | $342.80 billion | No. 13 | 1 | Wilmington, DE |
| Ameris Bank | $28.42 billion | No. 76 | 1 | Atlanta, GA |
| Renasant | $26.99 billion | No. 80 | 1 | Tupelo, MS |
| Seacoast Bank | $21.34 billion | No. 100 | 1 | Stuart, FL |
| First Federal Bank | $4.49 billion | No. 309 | 4 | Lake City, FL |
| Millennium Bank | $780.8 million | No. 1,286 | 2 | Ooltewah, TN |
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 Lake City: FAQ
How many banks are in Lake City, FL?
Lake City has 6 banks with 10 branches and 5 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 Lake City?
First Federal Bank, with 4. Millennium Bank has 2 and TD Bank has 1.
Is there a First Federal Bank in Lake City, FL?
Yes. FDIC data lists 4 First Federal Bank branches in Lake City as of September 5, 2026, the main office at 4705 W Us Highway 90. Its branches are listed under First Federal Bank above, with the address and directions for each.
Is there a Millennium Bank in Lake City, FL?
Yes. FDIC data lists 2 Millennium Bank branches in Lake City as of September 5, 2026. Its branches are listed under Millennium Bank above, with the address and directions for each.
Is there a TD Bank in Lake City, FL?
Yes. FDIC data lists 1 TD Bank branch in Lake City as of September 5, 2026. The address and directions are under TD Bank above.
Is there a Chase in Lake City, FL?
No. FDIC data lists no Chase branch in Lake City as of September 5, 2026. The nearest is in Gainesville, about 37 miles away in a straight line.
Which banks in Lake City are open on Saturday?
TD Bank, Vystar Credit Union and Campus Usa Credit Union publish Saturday hours for one or more Lake City locations. The Saturday section above lists each one with its hours. 9 of the 15 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Lake City?
First Federal Bank has its main office in Lake City, according to the FDIC.
What is the oldest bank in Lake City?
TD Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1852.
Which credit unions can I join in Lake City?
Vystar Credit Union, Campus Usa Credit Union, Florida Credit Union and Radiant Credit Union and 1 more have offices in Lake City. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Lake City 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 Lake City?
Nearby cities with more banks include Live Oak, Branford, High Springs. Live Oak is 20 miles away with 4 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 3 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 10 branches: TD Bank) | 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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