US Bank Directory
Banks in Live Oak, FL
4 FDIC-insured banks operate 5 offices in Live Oak, Florida, and 2 credit unions have 2 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: Live Oak
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 7 locations in Live Oak, according to the FDIC and the NCUA. 7 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
7 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 Live Oak
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 Live Oak, with 2. The other 3 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.
First Federal Bank Bank · 2
First Federal Bank has 2 branches in Live Oak, 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. In FDIC branch records, its longest-running Live Oak location is the Live Oak Branch at 1102 Ohio Ave N, dating to 1997; the newest, at 804 Ohio Ave S, to 2003. It does not publish hours in the sources this page uses; check its site before you go.
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Live Oak Branch1102 Ohio Ave N, 32064
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South Ohio Avenue Branch804 Ohio Ave S, 32064
Ameris Bank Bank · 1
Ameris Bank has 1 branch in Live Oak, 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 Live Oak Branch at 201 Ohio Ave S dates to 1902 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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Live Oak Branch201 Ohio Ave S, 32064
Lafayette State Bank Bank · 1
Lafayette State Bank has 1 branch in Live Oak, 4 across Florida and 4 nationwide. FDIC records list its main office in Mayo, FL and show it operating since 1946. With $252.2 million in total assets on June 30, 2026, it ranks No. 2,718 of 4,232 U.S. banks by total assets. The Live Oak Branch at 106 Grand St Ne dates to 2004 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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Live Oak Branch106 Grand St Ne, 32064
Radiant Credit Union Credit union · 1
Radiant Credit Union has 1 office in Live Oak, 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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Live Oak2231 Ohio Ave N, 32064
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Suwannee River Credit Union Credit union · 1
Suwannee River Credit Union has 1 office in Live Oak, 2 across Florida. It is based in Live Oak, FL and $25.9 million 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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Main Office main office203 Pinewood Way Sw, 32064
TD Bank Bank · 1
TD Bank has 1 branch in Live Oak, 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 South Ohio Avenue Branch at 535 Ohio Ave S dates to 1917 in FDIC branch records. It opens on Saturday.
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South Ohio Avenue Branch535 Ohio Ave S, 32064
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
Join a credit union in Live Oak
2 credit unions have 2 offices here: Radiant Credit Union and Suwannee River 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 Live Oak page has every office in the state's directory.
Banking in Live Oak: the local picture
Short answer: 4 banks run 5 branches in Live Oak 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 4 banks, 0 have their main office in Live Oak, 2 elsewhere in Florida and 2 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 201 Ohio Ave S, dating to 1902; the newest is Lafayette State Bank's at 106 Grand St Ne, from 2004.
2 credit unions have 2 offices in Live Oak, according to the NCUA. Who can join each one is on the credit unions page.
Of the 2 locations with published hours. 1 opens on Saturday. 5 locations have no published hours in these sources.
Banks open on Saturday in Live Oak
Short answer: 1 of the 2 Live Oak locations with published hours opens on Saturday, run by 1 institution.
- TD Bank: 1 of 1 branch (535 Ohio Ave S: 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; 5 of the 7 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 Live Oak, and where the nearest one is if they do not.
Short answer: In Live Oak: TD Bank (1). No branches in Live Oak: Chase (nearest in Gainesville, 54 mi), Wells Fargo (nearest in Madison, 28 mi), Bank of America (nearest in Gainesville, 55 mi), PNC Bank (nearest in Gainesville, 56 mi), U.S. Bank (nearest in Sarasota, 206 mi), Truist (nearest in Newberry, 53 mi), Fifth Third Bank (nearest in Newberry, 53 mi), Huntington (nearest in Dunnellon, 91 mi), Regions Bank (nearest in Gainesville, 59 mi), BMO (nearest in Tampa, 166 mi).
| Bank | In Live Oak | Nearest branch if none here |
|---|---|---|
| TD Bank | 1 branch | here |
| Chase | None | Gainesville, 54 miles away |
| Wells Fargo | None | Madison, 28 miles away |
| Bank of America | None | Gainesville, 55 miles away |
| PNC Bank | None | Gainesville, 56 miles away |
| U.S. Bank | None | Sarasota, 206 miles away |
| Truist | None | Newberry, 53 miles away |
| Fifth Third Bank | None | Newberry, 53 miles away |
| Huntington | None | Dunnellon, 91 miles away |
| Regions Bank | None | Gainesville, 59 miles away |
| BMO | None | Tampa, 166 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Live Oak 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 Live Oak residents like anyone else.
Banks near Live Oak
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Lake City (20 miles) and Mayo (21 miles). Lake City, 20 miles away, has the most banks nearby: 6.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Lake City, FL | 20 mi | 6 | 10 |
| Banks in Mayo, FL | 21 mi | 2 | 2 |
| Banks in Branford, FL | 24 mi | 2 | 2 |
| Banks in Madison, FL | 28 mi | 3 | 3 |
| Banks in Perry, FL | 38 mi | 3 | 3 |
| Banks in Bell, FL | 39 mi | 2 | 2 |
| Banks in High Springs, FL | 40 mi | 2 | 2 |
| Banks in Alachua, FL | 45 mi | 2 | 2 |
Bank branch openings and closings in Live Oak
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Live Oak 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 Live Oak
Short answer: 1 institution has its main office in Live Oak: Suwannee River Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Suwannee River Credit Union | Credit union | $25.9 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Live Oak by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Live Oak offices.
Short answer: TD Bank is the largest bank with offices in Live Oak, 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. 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 |
| First Federal Bank | $4.49 billion | No. 309 | 2 | Lake City, FL |
| Lafayette State Bank | $252.2 million | No. 2,718 | 1 | Mayo, 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 Live Oak: FAQ
How many banks are in Live Oak, FL?
Live Oak has 4 banks with 5 branches and 2 credit unions with 2 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 Live Oak?
First Federal Bank, with 2. TD Bank has 1 and Ameris Bank has 1.
Is there a First Federal Bank in Live Oak, FL?
Yes. FDIC data lists 2 First Federal Bank branches in Live Oak as of September 5, 2026. Its branches are listed under First Federal Bank above, with the address and directions for each.
Is there a TD Bank in Live Oak, FL?
Yes. FDIC data lists 1 TD Bank branch in Live Oak as of September 5, 2026. The address and directions are under TD Bank above.
Is there a Ameris Bank in Live Oak, FL?
Yes. FDIC data lists 1 Ameris Bank branch in Live Oak as of September 5, 2026. The address and directions are under Ameris Bank above.
Is there a Chase in Live Oak, FL?
No. FDIC data lists no Chase branch in Live Oak as of September 5, 2026. The nearest is in Gainesville, about 54 miles away in a straight line.
Which banks in Live Oak are open on Saturday?
TD Bank publishes Saturday hours for one or more Live Oak locations. The Saturday section above lists each one with its hours. 5 of the 7 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Live Oak?
Suwannee River Credit Union has its main office in Live Oak, according to the FDIC and the NCUA.
What is the oldest bank in Live Oak?
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 Live Oak?
Radiant Credit Union and Suwannee River Credit Union have offices in Live Oak. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Live Oak 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 Live Oak?
Nearby cities with more banks include Lake City, Mayo, Branford. Lake City is 20 miles away with 6 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 2 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 5 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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