US Bank Directory
Banks in Palatka, FL
5 FDIC-insured banks operate 6 offices in Palatka, 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: Palatka
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: 7 banks and credit unions operate 9 locations in Palatka, according to the FDIC and the NCUA. 9 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
9 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 Palatka
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Ameris Bank has the most locations in Palatka, with 2. The other 4 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.
Ameris Bank Bank · 2
Ameris Bank has 2 branches in Palatka, 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. In FDIC branch records, its longest-running Palatka location is the Palatka Branch at 601 Reid St, dating to 1956; the newest, at 100 N Hgwy 19, to 2004. It does not publish hours in the sources this page uses; check its site before you go.
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Palatka West Branch100 N Hgwy 19, 32177
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Palatka Branch601 Reid St, 32177
Vystar Credit Union Credit union · 2
Vystar Credit Union has 2 officees in Palatka, 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 Palatka locations with published hours open on Saturday.
Who can join: see the credit union's site.
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408-Palatka High School302 Mellon Rd, 32177
All hours
Mon to Tue 12:15 pm to 1 pm; Wed to Thu not published; Fri 12:15 pm to 1 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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125-Palatka510 S State Road 19, 32177
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
Barwick Banking Bank · 1
Barwick Banking has 1 branch in Palatka, 5 across Florida and 7 nationwide. FDIC records list its main office in Barwick, GA and show it operating since 1934. With $829.6 million in total assets on June 30, 2026, it ranks No. 1,225 of 4,232 U.S. banks by total assets. The Palatka Branch at 620 S. State Road dates to 2024 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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Palatka Branch620 S. State Road, 32177
Capital City Bank Bank · 1
Capital City Bank has 1 branch in Palatka, 53 across Florida and 67 nationwide. FDIC records list its main office in Tallahassee, FL and show it operating since 1907. With $4.45 billion in total assets on June 30, 2026, it ranks No. 313 of 4,232 U.S. banks by total assets. The Palatka West Branch at 4120 Crill Ave dates to 1981 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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Palatka West Branch4120 Crill Ave, 32177
Radiant Credit Union Credit union · 1
Radiant Credit Union has 1 office in Palatka, 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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Palatka306 S Palm Ave, 32177
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
SouthState Bank · 1
SouthState has 1 branch in Palatka, 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 Palatka Branch at 350 N State Road 19 dates to 1988 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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Palatka Branch350 N State Road 19, 32177
TD Bank Bank · 1
TD Bank has 1 branch in Palatka, 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 Palatka West Branch at 101 Highway #19, North dates to 1934 in FDIC branch records. It opens on Saturday.
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Palatka West Branch101 Highway #19, North, 32177
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 Palatka
2 credit unions have 3 offices here: Vystar Credit Union and Radiant 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 Palatka page has every office in the state's directory.
Banking in Palatka: the local picture
Short answer: 5 banks run 6 branches in Palatka 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 5 banks, 0 have their main office in Palatka, 2 elsewhere in Florida and 3 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 TD Bank's office at 101 Highway #19, North, dating to 1934; the newest is Barwick Banking's at 620 S. State Road, from 2024.
2 credit unions have 3 offices in Palatka, according to the NCUA. Who can join each one is on the credit unions page.
Of the 4 locations with published hours. 2 open on Saturday. 5 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Palatka
Short answer: 2 of the 4 Palatka locations with published hours open on Saturday, run by 2 institutions.
- TD Bank: 1 of 1 branch (101 Highway #19, North: Saturday 9 am to 1 pm)
- Vystar Credit Union: 1 of 2 offices (510 S State Road 19: 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 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 Palatka, and where the nearest one is if they do not.
Short answer: In Palatka: TD Bank (1). No branches in Palatka: Chase (nearest in St Augustine, 26 mi), Wells Fargo (nearest in Green Cove Springs, 24 mi), Bank of America (nearest in Saint Augustine, 25 mi), PNC Bank (nearest in Keystone Heights, 24 mi), U.S. Bank (nearest in Sarasota, 168 mi), Truist (nearest in Saint Augustine, 23 mi), Fifth Third Bank (nearest in Saint Augustine, 24 mi), Huntington (nearest in Dunnellon, 63 mi), Regions Bank (nearest in Saint Augustine, 26 mi), BMO (nearest in Tampa, 127 mi).
| Bank | In Palatka | Nearest branch if none here |
|---|---|---|
| TD Bank | 1 branch | here |
| Chase | None | St Augustine, 26 miles away |
| Wells Fargo | None | Green Cove Springs, 24 miles away |
| Bank of America | None | Saint Augustine, 25 miles away |
| PNC Bank | None | Keystone Heights, 24 miles away |
| U.S. Bank | None | Sarasota, 168 miles away |
| Truist | None | Saint Augustine, 23 miles away |
| Fifth Third Bank | None | Saint Augustine, 24 miles away |
| Huntington | None | Dunnellon, 63 miles away |
| Regions Bank | None | Saint Augustine, 26 miles away |
| BMO | None | Tampa, 127 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Palatka 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 Palatka residents like anyone else.
Banks near Palatka
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Keystone Heights (24 miles) and Saint Augustine (26 miles). Saint Augustine, 26 miles away, has the most banks nearby: 14.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Keystone Heights, FL | 24 mi | 3 | 3 |
| Banks in Saint Augustine, FL | 26 mi | 14 | 29 |
| Banks in Palm Coast, FL | 28 mi | 9 | 17 |
| Banks in Saint Johns, FL | 31 mi | 6 | 13 |
| Banks in Fleming Island, FL | 32 mi | 4 | 4 |
| Banks in Middleburg, FL | 32 mi | 2 | 2 |
| Banks in Starke, FL | 34 mi | 4 | 4 |
| Banks in Orange Park, FL | 35 mi | 10 | 12 |
Bank branch openings and closings in Palatka
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Palatka between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Palatka by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Palatka offices.
Short answer: TD Bank is the largest bank with offices in Palatka, with $342.80 billion in total assets on June 30, 2026, No. 13 among U.S. banks by total assets. SouthState is second with $68.79 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 |
| SouthState | $68.79 billion | No. 41 | 1 | Winter Haven, FL |
| Ameris Bank | $28.42 billion | No. 76 | 2 | Atlanta, GA |
| Capital City Bank | $4.45 billion | No. 313 | 1 | Tallahassee, FL |
| Barwick Banking | $829.6 million | No. 1,225 | 1 | Barwick, 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 Palatka: FAQ
How many banks are in Palatka, FL?
Palatka has 5 banks with 6 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 Palatka?
Ameris Bank, with 2. TD Bank has 1 and SouthState has 1.
Is there a Ameris Bank in Palatka, FL?
Yes. FDIC data lists 2 Ameris Bank branches in Palatka as of September 5, 2026. Its branches are listed under Ameris Bank above, with the address and directions for each.
Is there a TD Bank in Palatka, FL?
Yes. FDIC data lists 1 TD Bank branch in Palatka as of September 5, 2026. The address and directions are under TD Bank above.
Is there a SouthState in Palatka, FL?
Yes. FDIC data lists 1 SouthState branch in Palatka as of September 5, 2026. The address and directions are under SouthState above.
Is there a Chase in Palatka, FL?
No. FDIC data lists no Chase branch in Palatka as of September 5, 2026. The nearest is in St Augustine, about 26 miles away in a straight line.
Which banks in Palatka are open on Saturday?
TD Bank and Vystar Credit Union publish Saturday hours for one or more Palatka locations. The Saturday section above lists each one with its hours. 5 of the 9 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Palatka?
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 Palatka?
Vystar Credit Union and Radiant Credit Union have offices in Palatka. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Palatka 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 Palatka?
Nearby cities with more banks include Keystone Heights, Saint Augustine, Palm Coast. Keystone Heights is 24 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 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 6 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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