US Bank Directory
Banks in Clayton, GA
6 FDIC-insured banks operate 6 offices in Clayton, Georgia, and 2 credit unions have 2 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Clayton
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 8 locations in Clayton, 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 Clayton
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 6 banks share the most locations in Clayton, with 1 each. 6 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.
First American Bank Bank · 1
First American Bank has 1 branch in Clayton, 8 across Georgia and 8 nationwide. FDIC records list its main office in Athens, GA and show it operating since 1934. With $901.9 million in total assets on June 30, 2026, it ranks No. 1,143 of 4,232 U.S. banks by total assets. The Mountain Heritage Bank Branch at 550 Highway 441 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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Mountain Heritage Bank Branch550 Highway 441 S, 30525
Mygeorgia Credit Union Credit union · 1
Mygeorgia Credit Union has 1 office in Clayton, 9 across Georgia. It is based in Gainesville, GA and $256.5 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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Clayton Branch122 Plaza Way Suite 1, 30525
All hours
Mon to Thu 8 am to 5 pm; Fri 8 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
North Georgia Credit Union Credit union · 1
North Georgia Credit Union has 1 office in Clayton, 5 across Georgia. It is based in Toccoa, GA and $116.5 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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Clayton Branch579 Highway 441 S, 30525
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Oconee Federal Savings and Loan Association Bank · 1
Oconee Federal Savings and Loan Association has 1 branch in Clayton, 2 across Georgia and 8 nationwide. FDIC records list its main office in Seneca, SC and show it operating since 1924. With $679.4 million in total assets on June 30, 2026, it ranks No. 1,407 of 4,232 U.S. banks by total assets. The Clayton Branch at 221 Highway 76 E dates to 1933 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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Clayton Branch221 Highway 76 E, 30525
Rabun County Bank Bank · 1
Rabun County Bank has 1 branch in Clayton, 4 across Georgia and 4 nationwide. FDIC records list its main office in Clayton, GA and show it operating since 1975. With $361.5 million in total assets on June 30, 2026, it ranks No. 2,205 of 4,232 U.S. banks by total assets. Its main office at 121 Rickman St dates to 1975 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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Main Office main office121 Rickman St, 30525
Regions Bank Bank · 1
Regions Bank has 1 branch in Clayton, 122 across Georgia 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 Clayton Ga Main Branch at 178 E Savannah St dates to 1904 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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Clayton Ga Main Branch178 E Savannah St, 30525
SouthState Bank · 1
SouthState has 1 branch in Clayton, 44 across Georgia 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 Clayton Main Office Branch at 174 Highway 441 N 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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Clayton Main Office Branch174 Highway 441 N, 30525
United Community Bank · 1
United Community has 1 branch in Clayton, 64 across Georgia and 190 nationwide. FDIC records list its main office in Greenville, SC and show it operating since 1950. With $28.99 billion in total assets on June 30, 2026, it ranks No. 73 of 4,232 U.S. banks by total assets. The Ucb Rabun County Branch at 516 Highway 441 S dates to 1990 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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Ucb Rabun County Branch516 Highway 441 S, 30525
Join a credit union in Clayton
2 credit unions have 2 offices here: Mygeorgia Credit Union and North Georgia 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 Clayton page has every office in the state's directory.
Banking in Clayton: the local picture
Short answer: 6 banks run 6 branches in Clayton 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 6 banks, 1 has its main office in Clayton, 1 elsewhere in Georgia and 4 out of state, according to the FDIC.
The bank with the longest record here is Oconee Federal Savings and Loan Association, operating since 1924 according to the FDIC. In FDIC branch records, the longest-running branch is Regions Bank's office at 178 E Savannah St, dating to 1904; the newest is First American Bank's at 550 Highway 441 S, from 2003.
2 credit unions have 2 offices in Clayton, according to the NCUA. Who can join each one is on the credit unions page.
Of the 2 locations with published hours. None open on Saturday. 6 locations have no published hours in these sources.
Saturday hours in Clayton
Short answer: None of the 2 Clayton locations with published hours lists Saturday hours. 6 locations do not publish hours in these sources; call ahead.
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; 6 of the 8 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 Clayton, and where the nearest one is if they do not.
Short answer: In Clayton: Regions Bank (1). No branches in Clayton: Chase (nearest in Braselton, 58 mi), Wells Fargo (nearest in Dahlonega, 41 mi), Bank of America (nearest in Gainesville, 48 mi), PNC Bank (nearest in Dacula, 63 mi), U.S. Bank (nearest in Sandy Springs, 86 mi), Truist (nearest in Lavonia, 34 mi), Fifth Third Bank (nearest in Gainesville, 45 mi), Huntington (nearest in Gainesville, 46 mi), TD Bank, BMO.
| Bank | In Clayton | Nearest branch if none here |
|---|---|---|
| Regions Bank | 1 branch | here |
| Chase | None | Braselton, 58 miles away |
| Wells Fargo | None | Dahlonega, 41 miles away |
| Bank of America | None | Gainesville, 48 miles away |
| PNC Bank | None | Dacula, 63 miles away |
| U.S. Bank | None | Sandy Springs, 86 miles away |
| Truist | None | Lavonia, 34 miles away |
| Fifth Third Bank | None | Gainesville, 45 miles away |
| Huntington | None | Gainesville, 46 miles away |
| TD Bank | None | none in Georgia |
| BMO | None | none in Georgia |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Clayton to the nearest branch in Georgia.
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 Clayton residents like anyone else.
Banks near Clayton
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Clarkesville (20 miles) and Hiawassee (21 miles). Clarkesville, 20 miles away, has the most banks nearby: 5.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Clarkesville, GA | 20 mi | 5 | 5 |
| Banks in Hiawassee, GA | 21 mi | 2 | 2 |
| Banks in Toccoa, GA | 21 mi | 5 | 5 |
| Banks in Cornelia, GA | 26 mi | 5 | 6 |
| Banks in Cleveland, GA | 28 mi | 5 | 5 |
| Banks in Blairsville, GA | 32 mi | 5 | 6 |
| Banks in Lavonia, GA | 35 mi | 4 | 4 |
| Banks in Carnesville, GA | 36 mi | 2 | 2 |
Bank branch openings and closings in Clayton
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Clayton 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 Clayton
Short answer: 1 institution has its main office in Clayton: Rabun County Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Rabun County Bank | Bank | $361.5 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Clayton by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Clayton offices.
Short answer: Regions Bank is the largest bank with offices in Clayton, with $159.79 billion in total assets on June 30, 2026, No. 27 among U.S. banks by total assets. SouthState is second with $68.79 billion. 1 of the 6 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 |
|---|---|---|---|---|
| Regions Bank | $159.79 billion | No. 27 | 1 | Birmingham, AL |
| SouthState | $68.79 billion | No. 41 | 1 | Winter Haven, FL |
| United Community | $28.99 billion | No. 73 | 1 | Greenville, SC |
| First American Bank | $901.9 million | No. 1,143 | 1 | Athens, GA |
| Oconee Federal Savings and Loan Association | $679.4 million | No. 1,407 | 1 | Seneca, SC |
| Rabun County Bank | $361.5 million | No. 2,205 | 1 | Clayton, 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 Clayton: FAQ
How many banks are in Clayton, GA?
Clayton has 6 banks with 6 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 Clayton?
Regions Bank, with 1. SouthState has 1 and United Community has 1.
Is there a Regions Bank in Clayton, GA?
Yes. FDIC data lists 1 Regions Bank branch in Clayton as of September 5, 2026. The address and directions are under Regions Bank above.
Is there a SouthState in Clayton, GA?
Yes. FDIC data lists 1 SouthState branch in Clayton as of September 5, 2026. The address and directions are under SouthState above.
Is there a United Community in Clayton, GA?
Yes. FDIC data lists 1 United Community branch in Clayton as of September 5, 2026. The address and directions are under United Community above.
Is there a Chase in Clayton, GA?
No. FDIC data lists no Chase branch in Clayton as of September 5, 2026. The nearest is in Braselton, about 58 miles away in a straight line.
Which banks in Clayton are open on Saturday?
None of the 2 locations with published hours lists Saturday hours. 6 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Clayton?
Rabun County Bank has its main office in Clayton, according to the FDIC.
What is the oldest bank in Clayton?
Oconee Federal Savings and Loan Association has the longest record among banks with a branch here: the FDIC shows it operating since 1924.
Which credit unions can I join in Clayton?
Mygeorgia Credit Union and North Georgia Credit Union have offices in Clayton. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Clayton 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 Clayton?
Nearby cities with more banks include Clarkesville, Hiawassee, Toccoa. Clarkesville is 20 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 1 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 |
| 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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