US Bank Directory
Banks in Milton, FL
4 FDIC-insured banks operate 4 offices in Milton, Florida, and 4 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: Milton
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: 8 banks and credit unions operate 9 locations in Milton, according to the FDIC and the NCUA. 8 of them have coordinates on record and are on the map. 5 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
8 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 Milton
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 4 banks share the most locations in Milton, with 1 each. 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.
Santa Rosa County Credit Union Credit union · 2
Santa Rosa County Credit Union has 2 officees in Milton, 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. None of its 2 Milton locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Main Office main office5909 Stewart St, 32570
All hours
Mon to Fri 8 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Milton Branch6499 Caroline St, 32570
All hours
Mon to Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Gulf Winds Credit Union Credit union · 1
Gulf Winds Credit Union has 1 office in Milton, 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. It opens on Saturday.
Who can join: see the credit union's site.
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Milton Branch5850 Highway 90, 32583
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Harvesters Credit Union Credit union · 1
Harvesters Credit Union has 1 office in Milton, 8 across Florida. It is based in Cantonment, FL and $312.8 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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Ecco Branch4644 E Spencer Field Rd, 32571
All hours
Mon to Fri 8 am to 4 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Penair Credit Union Credit union · 1
Penair Credit Union has 1 office in Milton, 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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Milton5056 Dogwood Dr, 32570
Regions Bank Bank · 1
Regions Bank has 1 branch in Milton, 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. The Milton Branch at 6650 Caroline St dates to 1985 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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Milton Branch6650 Caroline St, 32570
SouthState Bank · 1
SouthState has 1 branch in Milton, 100 across Florida and 374 nationwide. FDIC records list its main office in Winter Haven, FL and show it operating since 1992. With $68.79 billion in total assets on June 30, 2026, it ranks No. 41 of 4,232 U.S. banks by total assets. The Milton Branch at 6512 Caroline St dates to 1984 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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Milton Branch6512 Caroline St, 32570
Truist Bank · 1
Truist has 1 branch in Milton, 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 Milton Branch at 5224 Stewart St dates to 1934 in FDIC branch records. It opens on Saturday.
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Milton Branch5224 Stewart St, 32570
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
United Bank Bank · 1
United Bank has 1 branch in Milton, 3 across Florida and 20 nationwide. FDIC records list its main office in Atmore, AL and show it operating since 1904. With $1.48 billion in total assets on June 30, 2026, it ranks No. 748 of 4,232 U.S. banks by total assets. The Berryhill Road Branch at 5907 Berryhill Rd dates to 2005 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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Berryhill Road Branch5907 Berryhill Rd, 32570
Join a credit union in Milton
4 credit unions have 5 offices here: Santa Rosa County Credit Union, Penair Credit Union, Gulf Winds Credit Union and Harvesters 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 Milton page has every office in the state's directory.
Banking in Milton: the local picture
Short answer: 4 banks run 4 branches in Milton 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 Milton, 1 elsewhere in Florida and 3 out of state, according to the FDIC.
The bank with the longest record here is Truist, operating since 1872 according to the FDIC. In FDIC branch records, the longest-running branch is Truist's office at 5224 Stewart St, dating to 1934; the newest is United Bank's at 5907 Berryhill Rd, from 2005.
4 credit unions have 5 offices in Milton, according to the NCUA. Who can join each one is on the credit unions page.
Of the 5 locations with published hours. 2 open on Saturday. 4 locations have no published hours in these sources.
Banks by ZIP code in Milton
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 32570 has the most bank and credit union offices in Milton (7), followed by 32571 (1) and 32583 (1). Offices are spread across 3 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 32570 | 7 | 6 | Santa Rosa County Credit Union, Penair Credit Union, Regions Bank |
| 32571 | 1 | 1 | Harvesters Credit Union |
| 32583 | 1 | 1 | Gulf Winds Credit Union |
Banks and credit unions open on Saturday in Milton
Short answer: 2 of the 5 Milton locations with published hours open on Saturday, run by 2 institutions.
- Truist: 1 of 1 branch (5224 Stewart St: Saturday 9 am to 12 pm)
- Gulf Winds Credit Union: 1 of 1 office (5850 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; 4 of the 9 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 Milton, and where the nearest one is if they do not.
Short answer: In Milton: Truist (1), Regions Bank (1). No branches in Milton: Chase (nearest in Tallahassee, 165 mi), Wells Fargo (nearest in Pensacola, 12 mi), Bank of America (nearest in Pensacola, 14 mi), PNC Bank (nearest in Pensacola, 14 mi), U.S. Bank (nearest in Sarasota, 355 mi), Fifth Third Bank (nearest in Newberry, 281 mi), Huntington (nearest in Pensacola, 14 mi), TD Bank (nearest in Live Oak, 243 mi), BMO (nearest in Tampa, 333 mi).
| Bank | In Milton | Nearest branch if none here |
|---|---|---|
| Truist | 1 branch | here |
| Regions Bank | 1 branch | here |
| Chase | None | Tallahassee, 165 miles away |
| Wells Fargo | None | Pensacola, 12 miles away |
| Bank of America | None | Pensacola, 14 miles away |
| PNC Bank | None | Pensacola, 14 miles away |
| U.S. Bank | None | Sarasota, 355 miles away |
| Fifth Third Bank | None | Newberry, 281 miles away |
| Huntington | None | Pensacola, 14 miles away |
| TD Bank | None | Live Oak, 243 miles away |
| BMO | None | Tampa, 333 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Milton 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 Milton residents like anyone else.
Banks near Milton
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Pace (5 miles) and Pensacola (16 miles). Pensacola, 16 miles away, has the most banks nearby: 18.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Pace, FL | 5 mi | 5 | 5 |
| Banks in Pensacola, FL | 16 mi | 18 | 46 |
| Banks in Gulf Breeze, FL | 18 mi | 7 | 8 |
| Banks in Navarre, FL | 19 mi | 5 | 5 |
| Banks in Mary Esther, FL | 27 mi | 3 | 3 |
| Banks in Fort Walton Beach, FL | 29 mi | 17 | 18 |
| Banks in Crestview, FL | 31 mi | 8 | 8 |
| Banks in Shalimar, FL | 31 mi | 2 | 2 |
Bank branch openings and closings in Milton
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Milton 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 Milton
Short answer: 1 institution has its main office in Milton: Santa Rosa County Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Santa Rosa County Credit Union | Credit union | $221.2 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Milton by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Milton offices.
Short answer: Truist is the largest bank with offices in Milton, with $548.35 billion in total assets on June 30, 2026, No. 9 among U.S. banks by total assets. Regions Bank is second with $159.79 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| Regions Bank | $159.79 billion | No. 27 | 1 | Birmingham, AL |
| SouthState | $68.79 billion | No. 41 | 1 | Winter Haven, FL |
| United Bank | $1.48 billion | No. 748 | 1 | Atmore, AL |
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 Milton: FAQ
How many banks are in Milton, FL?
Milton has 4 banks with 4 branches and 4 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 Milton?
Truist, with 1. Regions Bank has 1 and SouthState has 1.
Is there a Truist in Milton, FL?
Yes. FDIC data lists 1 Truist branch in Milton as of September 5, 2026. The address and directions are under Truist above.
Is there a Regions Bank in Milton, FL?
Yes. FDIC data lists 1 Regions Bank branch in Milton as of September 5, 2026. The address and directions are under Regions Bank above.
Is there a SouthState in Milton, FL?
Yes. FDIC data lists 1 SouthState branch in Milton as of September 5, 2026. The address and directions are under SouthState above.
Is there a Chase in Milton, FL?
No. FDIC data lists no Chase branch in Milton as of September 5, 2026. The nearest is in Tallahassee, about 165 miles away in a straight line.
Which banks in Milton are open on Saturday?
Truist and Gulf Winds Credit Union publish Saturday hours for one or more Milton locations. The Saturday section above lists each one with its hours. 4 of the 9 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Milton?
Santa Rosa County Credit Union has its main office in Milton, according to the FDIC and the NCUA.
What is the oldest bank in Milton?
Truist has the longest record among banks with a branch here: the FDIC shows it operating since 1872.
Which credit unions can I join in Milton?
Santa Rosa County Credit Union, Penair Credit Union, Gulf Winds Credit Union and Harvesters Credit Union have offices in Milton. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Milton 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 Milton?
Nearby cities with more banks include Pace, Pensacola, Gulf Breeze. Pace is 5 miles away with 5 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 (1 of 4 branches: Truist) | 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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