US Bank Directory
Banks in Neptune Beach, FL
4 FDIC-insured banks operate 4 offices in Neptune Beach, Florida, and 2 credit unions have 3 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: Neptune Beach
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 Neptune Beach, according to the FDIC and the NCUA. 7 of them have coordinates on record and are on the map. 5 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 Neptune Beach
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 Neptune Beach, 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.
Vystar Credit Union Credit union · 2
Vystar Credit Union has 2 officees in Neptune Beach, 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. 1 of its 2 Neptune Beach locations with published hours open on Saturday.
Who can join: see the credit union's site.
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153-Neptune Beach1307 Atlantic Blvd, 32266
All hours
Mon to Thu 9 am to 5 pm; Fri 7:30 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
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413-Fletcher High School700 Seagate Ave, 32266
All hours
Mon to Fri 10:30 am to 12:15 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Ameris Bank Bank · 1
Ameris Bank has 1 branch in Neptune Beach, 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 Neptune Beach Branch at 560 Atlantic Blvd dates to 1998 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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Neptune Beach Branch560 Atlantic Blvd, 32266
Bank of America Bank · 1
Bank of America has 1 branch in Neptune Beach, 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 Neptune Beach Branch at 301 3rd St dates to 1962 in FDIC branch records. Its published hours do not list Saturday.
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Neptune Beach Branch301 3rd St, 32266
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
Chase Bank · 1
Chase has 1 branch in Neptune Beach, 434 across Florida and 5,176 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1824. With $4.09 trillion in total assets on June 30, 2026, it ranks No. 1 of 4,232 U.S. banks by total assets. The Seminole Shopped At Atlantic Branch at 650 Atlantic Blvd dates to 2014 in FDIC branch records. Its published hours do not list Saturday.
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Seminole Shopped At Atlantic Branch650 Atlantic Blvd, 32266
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
Community First Credit Union of Flo Credit union · 1
Community First Credit Union of Flo has 1 office in Neptune Beach, 26 across Florida. It is based in Jacksonville, FL and $3.17 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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Neptune Beach1425 Atlantic Blvd, 32266
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 3 pm; Sun not published
Hours: NCUA, March 31, 2026
Regions Bank Bank · 1
Regions Bank has 1 branch in Neptune Beach, 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 Neptune Beach Branch at 115 3rd St dates to 2002 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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Neptune Beach Branch115 3rd St, 32266
Join a credit union in Neptune Beach
2 credit unions have 3 offices here: Vystar Credit Union and Community First Credit Union of Flo. 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 Neptune Beach page has every office in the state's directory.
Banking in Neptune Beach: the local picture
Short answer: 4 banks run 4 branches in Neptune Beach 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 Neptune Beach and 4 out of state, according to the FDIC.
The bank with the longest record here is Chase, operating since 1824 according to the FDIC. In FDIC branch records, the longest-running branch is Bank of America's office at 301 3rd St, dating to 1962; the newest is Chase's at 650 Atlantic Blvd, from 2014.
2 credit unions have 3 offices in Neptune Beach, 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. 2 locations have no published hours in these sources.
Credit unions open on Saturday in Neptune Beach
Short answer: 2 of the 5 Neptune Beach locations with published hours open on Saturday, run by 2 institutions.
- Vystar Credit Union: 1 of 2 offices (1307 Atlantic Blvd: Saturday 9 am to 1 pm)
- Community First Credit Union of Flo: 1 of 1 office (1425 Atlantic Blvd: Saturday 9 am to 3 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; 2 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 Neptune Beach, and where the nearest one is if they do not.
Short answer: In Neptune Beach: Chase (1), Bank of America (1), Regions Bank (1). No branches in Neptune Beach: Wells Fargo (nearest in Atlantic Beach, 1 mi), PNC Bank (nearest in Jacksonville, 3 mi), U.S. Bank (nearest in Sarasota, 217 mi), Truist (nearest in Atlantic Beach, 1 mi), Fifth Third Bank (nearest in Jacksonville, 6 mi), Huntington (nearest in Dunnellon, 108 mi), TD Bank (nearest in Jacksonville, 10 mi), BMO (nearest in Tampa, 176 mi).
| Bank | In Neptune Beach | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| Bank of America | 1 branch | here |
| Regions Bank | 1 branch | here |
| Wells Fargo | None | Atlantic Beach, 1 mile away |
| PNC Bank | None | Jacksonville, 3 miles away |
| U.S. Bank | None | Sarasota, 217 miles away |
| Truist | None | Atlantic Beach, 1 mile away |
| Fifth Third Bank | None | Jacksonville, 6 miles away |
| Huntington | None | Dunnellon, 108 miles away |
| TD Bank | None | Jacksonville, 10 miles away |
| BMO | None | Tampa, 176 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Neptune Beach 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 Neptune Beach residents like anyone else.
Banks near Neptune Beach
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Atlantic Beach (1 mile) and Jacksonville Beach (4 miles). Jacksonville, 13 miles away, has the most banks nearby: 30.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Atlantic Beach, FL | 1 mi | 2 | 2 |
| Banks in Jacksonville Beach, FL | 4 mi | 7 | 9 |
| Banks in Ponte Vedra Beach, FL | 9 mi | 10 | 13 |
| Banks in Ponte Vedra, FL | 12 mi | 4 | 4 |
| Banks in Jacksonville, FL | 13 mi | 30 | 148 |
| Banks in Saint Johns, FL | 19 mi | 6 | 13 |
| Banks in Fernandina Beach, FL | 22 mi | 12 | 14 |
| Banks in Orange Park, FL | 23 mi | 10 | 12 |
Bank branch openings and closings in Neptune Beach
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Neptune Beach between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Neptune Beach by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Neptune Beach offices.
Short answer: Chase is the largest bank with offices in Neptune Beach, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. Bank of America is second with $2.65 trillion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 1 | Columbus, OH |
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Regions Bank | $159.79 billion | No. 27 | 1 | Birmingham, AL |
| Ameris Bank | $28.42 billion | No. 76 | 1 | Atlanta, GA |
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 Neptune Beach: FAQ
How many banks are in Neptune Beach, FL?
Neptune Beach has 4 banks with 4 branches and 2 credit unions with 3 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 Neptune Beach?
Chase, with 1. Bank of America has 1 and Regions Bank has 1.
Is there a Chase in Neptune Beach, FL?
Yes. FDIC data lists 1 Chase branch in Neptune Beach as of September 5, 2026. The address and directions are under Chase above.
Is there a Bank of America in Neptune Beach, FL?
Yes. FDIC data lists 1 Bank of America branch in Neptune Beach as of September 5, 2026. The address and directions are under Bank of America above.
Is there a Regions Bank in Neptune Beach, FL?
Yes. FDIC data lists 1 Regions Bank branch in Neptune Beach as of September 5, 2026. The address and directions are under Regions Bank above.
Is there a Wells Fargo in Neptune Beach, FL?
No. FDIC data lists no Wells Fargo branch in Neptune Beach as of September 5, 2026. The nearest is in Atlantic Beach, about 1 miles away in a straight line.
Which banks in Neptune Beach are open on Saturday?
Vystar Credit Union and Community First Credit Union of Flo publish Saturday hours for one or more Neptune Beach locations. The Saturday section above lists each one with its hours. 2 of the 7 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Neptune Beach?
Chase has the longest record among banks with a branch here: the FDIC shows it operating since 1824.
Which credit unions can I join in Neptune Beach?
Vystar Credit Union and Community First Credit Union of Flo have offices in Neptune Beach. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Neptune Beach 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 Neptune Beach?
Nearby cities with more banks include Atlantic Beach, Jacksonville Beach, Ponte Vedra Beach. Atlantic Beach is 1 miles away with 2 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 (2 of 4 branches: Bank of America, Chase) | 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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