US Bank Directory
Banks in Winter Haven, FL
13 FDIC-insured banks operate 20 offices in Winter Haven, Florida, and 1 credit union has 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: Winter Haven
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: 14 banks and credit unions operate 23 locations in Winter Haven, according to the FDIC and the NCUA. 22 of them have coordinates on record and are on the map. 11 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
22 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 Winter Haven
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: SouthState has the most locations in Winter Haven, with 4. It is followed by Chase (2), Wells Fargo (2), Truist (2). 8 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.
SouthState Bank · 4
SouthState has 4 branches in Winter Haven, 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. In FDIC branch records, its longest-running Winter Haven location is its main office at 1101 1st St S, dating to 1992; the newest, at 3670 Havendale Blvd Nw, to 2001. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office1101 1st St S, 33880
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Messenger Service Branch1101 1st St S, 33880
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Auburndale Branch3670 Havendale Blvd Nw, 33881
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Haines City South Branch7722 Sr 544 East, 33881
Midflorida Credit Union Credit union · 3
Midflorida Credit Union has 3 officees in Winter Haven, 69 across Florida. It is based in Lakeland, FL and $9.82 billion in assets on March 31, 2026, according to its NCUA call report. All 3 of its Winter Haven locations with published hours open on Saturday.
Who can join: see the credit union's site.
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04-North Winter Haven2075 8Th St Nw, 33881
All hours
Mon to Tue 9 am to 5 pm; Wed 10:30 am to 5 pm; Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
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11-Spirit Lake3025 State Road 540 W, 33880
All hours
Mon to Tue 9 am to 5 pm; Wed 10:30 am to 5 pm; Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
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12-South Winter Haven5540 Cypress Gardens Blvd, 33884
All hours
Mon to Tue 9 am to 5 pm; Wed 10:30 am to 5 pm; Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Chase Bank · 2
Chase has 2 branches in Winter Haven, 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. In FDIC branch records, its longest-running Winter Haven location is the Winter Haven Branch at 1350 6th St Nw, dating to 2006; the newest, at 6105 Cypress Gardens Blvd, to 2010. All 2 of its Winter Haven locations with published hours open on Saturday.
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Winter Haven Branch1350 6th St Nw, 33881
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
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Cypress Gardens & Register Banking Center Branch6105 Cypress Gardens Blvd, 33884
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
Citizens Bank and Trust Bank · 2
Citizens Bank and Trust has 2 branches in Winter Haven, 17 across Florida and 17 nationwide. FDIC records list its main office in Frostproof, FL and show it operating since 1920. With $1.48 billion in total assets on June 30, 2026, it ranks No. 749 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Winter Haven location is the Winter Haven Branch at 1120 1st St S, dating to 2002; the newest, at 6340 Cypress Gardens Blvd, to 2007. It does not publish hours in the sources this page uses; check its site before you go.
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Winter Haven Branch1120 1st St S, 33880
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Winterset Branch6340 Cypress Gardens Blvd, 33884
Truist Bank · 2
Truist has 2 branches in Winter Haven, 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. In FDIC branch records, its longest-running Winter Haven location is the Winter Haven Branch at 595 Cypress Gardens Blvd, dating to 1986; the newest, at 3660 Havendale Blvd Nw, to 1989. All 2 of its Winter Haven locations with published hours open on Saturday.
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Auburndale Branch3660 Havendale Blvd Nw, 33881
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: Truist branch locator (All The Places), checked Oct 10, 2026
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Winter Haven Branch595 Cypress Gardens Blvd, 33880
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: Truist branch locator (All The Places), checked Oct 10, 2026
Wells Fargo Bank · 2
Wells Fargo has 2 branches in Winter Haven, 458 across Florida and 4,161 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1870. With $1.91 trillion in total assets on June 30, 2026, it ranks No. 4 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Winter Haven location is the Winter Haven Main Branch at 203 Avenue A Nw, dating to 1933; the newest, at 5720 Cypress Gardens Blvd, to 1985. 1 of its 2 Winter Haven locations with published hours open on Saturday.
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Winter Haven Main Branch203 Avenue A Nw, 33881
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
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Cypress Gardens Branch5720 Cypress Gardens Blvd, 33884
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Axiom Bank Bank · 1
Axiom Bank has 1 branch in Winter Haven, 7 across Florida and 7 nationwide. FDIC records list its main office in Maitland, FL and show it operating since 1962. With $732.4 million in total assets on June 30, 2026, it ranks No. 1,344 of 4,232 U.S. banks by total assets. The Axiom Bk - Winter Haven Wal-Mart Branch at 309 Cypress Gardens Blvd dates to 2008 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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Axiom Bk - Winter Haven Wal-Mart Branch309 Cypress Gardens Blvd, 33880
Bank of America Bank · 1
Bank of America has 1 branch in Winter Haven, 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 Winter Haven Branch at 510 W Central Ave dates to 2003 in FDIC branch records. It opens on Saturday.
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Winter Haven Branch510 W Central Ave, 33880
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Bank of Central Florida Bank · 1
Bank of Central Florida has 1 branch in Winter Haven, 6 across Florida and 6 nationwide. FDIC records list its main office in Lakeland, FL and show it operating since 2007. With $1.25 billion in total assets on June 30, 2026, it ranks No. 871 of 4,232 U.S. banks by total assets. The Winter Haven Branch at 201 3rd St Sw dates to 2019 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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Winter Haven Branch201 3rd St Sw, 33880
Centennial Bank Bank · 1
Centennial Bank has 1 branch in Winter Haven, 88 across Florida and 243 nationwide. FDIC records list its main office in Conway, AR and show it operating since 1903. With $24.55 billion in total assets on June 30, 2026, it ranks No. 89 of 4,232 U.S. banks by total assets. The Winter Haven Branch at 1606 1st St S 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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Winter Haven Branch1606 1st St S, 33880
Crews Bank & Trust Bank · 1
Crews Bank & Trust has 1 branch in Winter Haven, 20 across Florida and 20 nationwide. FDIC records list its main office in Wauchula, FL and show it operating since 1929. With $2.33 billion in total assets on June 30, 2026, it ranks No. 537 of 4,232 U.S. banks by total assets. The Winter Haven Central Park at 347 W Central Ave dates to 2016 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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Winter Haven Central Park347 W Central Ave, 33880
Regions Bank Bank · 1
Regions Bank has 1 branch in Winter Haven, 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 Winter Haven Citi Center Branch at 811 1st St S dates to 2003 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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Winter Haven Citi Center Branch811 1st St S, 33880
TD Bank Bank · 1
TD Bank has 1 branch in Winter Haven, 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 Winter Haven Branch at 901 Cypress Gardens Blvd dates to 2001 in FDIC branch records. It opens on Saturday.
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Winter Haven Branch901 Cypress Gardens Blvd, 33880
All hours
Mon to Wed 9 am to 5 pm; Thu to Fri 9 am to 6 pm; Sat 9 am to 2 pm; Sun closed
Hours: TD Bank branch locator (All The Places), checked Oct 10, 2026
Trustco Bank Bank · 1
Trustco Bank has 1 branch in Winter Haven, 51 across Florida and 133 nationwide. FDIC records list its main office in Glenville, NY and show it operating since 1925. With $6.52 billion in total assets on June 30, 2026, it ranks No. 238 of 4,232 U.S. banks by total assets. The Winterhaven Branch at 7476 Cypress Gardens Blvd dates to 2007 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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Winterhaven Branch7476 Cypress Gardens Blvd, 33884
Join a credit union in Winter Haven
1 credit union has 3 offices here: Midflorida 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 Winter Haven page has every office in the state's directory.
Banking in Winter Haven: the local picture
Short answer: 13 banks run 20 branches in Winter Haven 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 13 banks, 1 has its main office in Winter Haven, 4 elsewhere in Florida and 8 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 Wells Fargo's office at 203 Avenue A Nw, dating to 1933; the newest is Bank of Central Florida's at 201 3rd St Sw, from 2019.
The only credit union with an office here is Midflorida Credit Union.
Of the 11 locations with published hours. 10 open on Saturday. 12 locations have no published hours in these sources.
Banks by ZIP code in Winter Haven
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 33880 has the most bank and credit union offices in Winter Haven (12), followed by 33881 (6) and 33884 (5). Offices are spread across 3 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 33880 | 12 | 11 | SouthState, Axiom Bank, Bank of America |
| 33881 | 6 | 5 | SouthState, Chase, Midflorida Credit Union |
| 33884 | 5 | 5 | Chase, Citizens Bank and Trust, Midflorida Credit Union |
Banks and credit unions open on Saturday in Winter Haven
Short answer: 10 of the 11 Winter Haven locations with published hours open on Saturday, run by 6 institutions.
- Chase: 2 of 2 branches (1350 6th St Nw: Saturday 9 am to 2 pm, and 1 more)
- Wells Fargo: 1 of 2 branches (5720 Cypress Gardens Blvd: Saturday 9 am to 2 pm)
- Truist: 2 of 2 branches (3660 Havendale Blvd Nw: Saturday 9 am to 12 pm, and 1 more)
- Bank of America: 1 of 1 branch (510 W Central Ave: Saturday 9 am to 2 pm)
- TD Bank: 1 of 1 branch (901 Cypress Gardens Blvd: Saturday 9 am to 2 pm)
- Midflorida Credit Union: 3 of 3 offices (2075 8Th St Nw: Saturday 9 am to 1 pm, and 2 more)
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; 12 of the 23 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 Winter Haven, and where the nearest one is if they do not.
Short answer: In Winter Haven: Chase (2), Wells Fargo (2), Bank of America (1), Truist (2), Regions Bank (1), TD Bank (1). No branches in Winter Haven: PNC Bank (nearest in Champions Gate, 18 mi), U.S. Bank (nearest in Sarasota, 68 mi), Fifth Third Bank (nearest in Lakeland, 12 mi), Huntington (nearest in Orlando, 33 mi), BMO (nearest in Brandon, 36 mi).
| Bank | In Winter Haven | Nearest branch if none here |
|---|---|---|
| Chase | 2 branches | here |
| Wells Fargo | 2 branches | here |
| Bank of America | 1 branch | here |
| Truist | 2 branches | here |
| Regions Bank | 1 branch | here |
| TD Bank | 1 branch | here |
| PNC Bank | None | Champions Gate, 18 miles away |
| U.S. Bank | None | Sarasota, 68 miles away |
| Fifth Third Bank | None | Lakeland, 12 miles away |
| Huntington | None | Orlando, 33 miles away |
| BMO | None | Brandon, 36 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Winter Haven 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 Winter Haven residents like anyone else.
Banks near Winter Haven
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Auburndale (5 miles) and Haines City (9 miles). Lakeland, 15 miles away, has the most banks nearby: 14.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Auburndale, FL | 5 mi | 2 | 2 |
| Banks in Haines City, FL | 9 mi | 5 | 5 |
| Banks in Lake Wales, FL | 11 mi | 5 | 7 |
| Banks in Bartow, FL | 11 mi | 4 | 4 |
| Banks in Lakeland, FL | 15 mi | 14 | 31 |
| Banks in Davenport, FL | 18 mi | 6 | 8 |
| Banks in Poinciana, FL | 18 mi | 2 | 2 |
| Banks in Celebration, FL | 24 mi | 3 | 4 |
Bank branch openings and closings in Winter Haven
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Winter Haven 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 Winter Haven
Short answer: 1 institution has its main office in Winter Haven: SouthState.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| SouthState | Bank | $68.79 billion | 4 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Winter Haven by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Winter Haven offices.
Short answer: Chase is the largest bank with offices in Winter Haven, 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. 1 of the 13 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 |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 2 | Columbus, OH |
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Wells Fargo | $1.91 trillion | No. 4 | 2 | Sioux Falls, SD |
| Truist | $548.35 billion | No. 9 | 2 | Charlotte, NC |
| TD Bank | $342.80 billion | No. 13 | 1 | Wilmington, DE |
| Regions Bank | $159.79 billion | No. 27 | 1 | Birmingham, AL |
| SouthState | $68.79 billion | No. 41 | 4 | Winter Haven, FL |
| Centennial Bank | $24.55 billion | No. 89 | 1 | Conway, AR |
| Trustco Bank | $6.52 billion | No. 238 | 1 | Glenville, NY |
| Crews Bank & Trust | $2.33 billion | No. 537 | 1 | Wauchula, 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 Winter Haven: FAQ
How many banks are in Winter Haven, FL?
Winter Haven has 13 banks with 20 branches and 1 credit union 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 Winter Haven?
SouthState, with 4. Chase has 2 and Wells Fargo has 2.
Is there a SouthState in Winter Haven, FL?
Yes. FDIC data lists 4 SouthState branches in Winter Haven as of September 5, 2026, the main office at 1101 1st St S. Its branches are listed under SouthState above, with the address and directions for each.
Is there a Chase in Winter Haven, FL?
Yes. FDIC data lists 2 Chase branches in Winter Haven as of September 5, 2026. Its branches are listed under Chase above, with the address and directions for each.
Is there a Wells Fargo in Winter Haven, FL?
Yes. FDIC data lists 2 Wells Fargo branches in Winter Haven as of September 5, 2026. Its branches are listed under Wells Fargo above, with the address and directions for each.
Is there a PNC Bank in Winter Haven, FL?
No. FDIC data lists no PNC Bank branch in Winter Haven as of September 5, 2026. The nearest is in Champions Gate, about 18 miles away in a straight line.
Which banks in Winter Haven are open on Saturday?
Chase, Wells Fargo, Truist and Bank of America and 2 more publish Saturday hours for one or more Winter Haven locations. The Saturday section above lists each one with its hours. 12 of the 23 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Winter Haven?
SouthState has its main office in Winter Haven, according to the FDIC.
What is the oldest bank in Winter Haven?
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 Winter Haven?
Midflorida Credit Union has an office in Winter Haven. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Winter Haven 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 Winter Haven?
Nearby cities with more banks include Auburndale, Haines City, Lake Wales. Auburndale is 5 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 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 (8 of 20 branches: Bank of America, Chase, TD Bank, Truist, Wells Fargo) | 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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