US Bank Directory
Banks in Elberton, GA
4 FDIC-insured banks operate 5 offices in Elberton, Georgia, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Elberton
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: 5 banks and credit unions operate 6 locations in Elberton, according to the FDIC and the NCUA. 6 of them have coordinates on record and are on the map. 1 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
6 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 Elberton
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Vallant Bank has the most locations in Elberton, with 2. The other 3 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.
Vallant Bank Bank · 2
Vallant Bank has 2 branches in Elberton, 36 across Georgia and 36 nationwide. FDIC records list its main office in Elberton, GA and show it operating since 1934. With $3.99 billion in total assets on June 30, 2026, it ranks No. 338 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Elberton location is its main office at 884 Elbert St, dating to 1934; the newest, at 23 College Ave, to 1992. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office884 Elbert St, 30635
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Downtown Branch23 College Ave, 30635
E L C O Credit Union Credit union · 1
E L C O Credit Union has 1 office in Elberton, 1 across Georgia. It is based in Elberton, GA and $5.2 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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Main Office main office50 Laurel Dr Bldg B, 30635
All hours
Mon to Fri 1 pm to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Northeast Georgia Bank Bank · 1
Northeast Georgia Bank has 1 branch in Elberton, 9 across Georgia and 9 nationwide. FDIC records list its main office in Lavonia, GA and show it operating since 1934. With $650.6 million in total assets on June 30, 2026, it ranks No. 1,464 of 4,232 U.S. banks by total assets. The Elberton Branch at 916 Elbert St dates to 1997 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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Elberton Branch916 Elbert St, 30635
Oconee State Bank Bank · 1
Oconee State Bank has 1 branch in Elberton, 7 across Georgia and 7 nationwide. FDIC records list its main office in Watkinsville, GA and show it operating since 1960. With $744.1 million in total assets on June 30, 2026, it ranks No. 1,323 of 4,232 U.S. banks by total assets. The Elberton Branch at 6 E Church St dates to 2023 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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Elberton Branch6 E Church St, 30635
Regions Bank Bank · 1
Regions Bank has 1 branch in Elberton, 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 Elberton Main Branch at 125 Heard St dates to 1928 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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Elberton Main Branch125 Heard St, 30635
Join a credit union in Elberton
1 credit union has 1 office here: E L C O 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 Elberton page has every office in the state's directory.
Banking in Elberton: the local picture
Short answer: 4 banks run 5 branches in Elberton 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, 1 has its main office in Elberton, 2 elsewhere in Georgia and 1 out of state, according to the FDIC.
The bank with the longest record here is Regions Bank, operating since 1928 according to the FDIC. In FDIC branch records, the longest-running branch is Regions Bank's office at 125 Heard St, dating to 1928; the newest is Oconee State Bank's at 6 E Church St, from 2023.
The only credit union with an office here is E L C O Credit Union.
Of the 1 location with published hours. None open on Saturday. 5 locations have no published hours in these sources.
Saturday hours in Elberton
Short answer: None of the 1 Elberton location with published hours lists Saturday hours. 5 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; 5 of the 6 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 Elberton, and where the nearest one is if they do not.
Short answer: In Elberton: Regions Bank (1). No branches in Elberton: Chase (nearest in Athens, 31 mi), Wells Fargo (nearest in Athens, 30 mi), Bank of America (nearest in Athens, 30 mi), PNC Bank (nearest in Dacula, 61 mi), U.S. Bank (nearest in Sandy Springs, 86 mi), Truist (nearest in Lavonia, 27 mi), Fifth Third Bank (nearest in Bethlehem, 53 mi), Huntington (nearest in Athens, 33 mi), TD Bank, BMO.
| Bank | In Elberton | Nearest branch if none here |
|---|---|---|
| Regions Bank | 1 branch | here |
| Chase | None | Athens, 31 miles away |
| Wells Fargo | None | Athens, 30 miles away |
| Bank of America | None | Athens, 30 miles away |
| PNC Bank | None | Dacula, 61 miles away |
| U.S. Bank | None | Sandy Springs, 86 miles away |
| Truist | None | Lavonia, 27 miles away |
| Fifth Third Bank | None | Bethlehem, 53 miles away |
| Huntington | None | Athens, 33 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 Elberton 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 Elberton residents like anyone else.
Banks near Elberton
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Hartwell (18 miles) and Royston (20 miles). Athens, 33 miles away, has the most banks nearby: 17.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Hartwell, GA | 18 mi | 5 | 5 |
| Banks in Royston, GA | 20 mi | 2 | 3 |
| Banks in Danielsville, GA | 21 mi | 2 | 2 |
| Banks in Washington, GA | 27 mi | 3 | 4 |
| Banks in Lavonia, GA | 27 mi | 4 | 4 |
| Banks in Carnesville, GA | 28 mi | 2 | 2 |
| Banks in Lincolnton, GA | 31 mi | 2 | 2 |
| Banks in Athens, GA | 33 mi | 17 | 32 |
Bank branch openings and closings in Elberton
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Elberton 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 Elberton
Short answer: 2 institutions have their main office in Elberton: Vallant Bank and E L C O Credit Union.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Vallant Bank | Bank | $3.99 billion | 2 |
| E L C O Credit Union | Credit union | $5.2 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Elberton by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Elberton offices.
Short answer: Regions Bank is the largest bank with offices in Elberton, with $159.79 billion in total assets on June 30, 2026, No. 27 among U.S. banks by total assets. Vallant Bank is second with $3.99 billion. 1 of the 4 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 |
| Vallant Bank | $3.99 billion | No. 338 | 2 | Elberton, GA |
| Oconee State Bank | $744.1 million | No. 1,323 | 1 | Watkinsville, GA |
| Northeast Georgia Bank | $650.6 million | No. 1,464 | 1 | Lavonia, 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 Elberton: FAQ
How many banks are in Elberton, GA?
Elberton has 4 banks with 5 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Elberton?
Vallant Bank, with 2. Regions Bank has 1 and Oconee State Bank has 1.
Is there a Vallant Bank in Elberton, GA?
Yes. FDIC data lists 2 Vallant Bank branches in Elberton as of September 5, 2026, the main office at 884 Elbert St. Its branches are listed under Vallant Bank above, with the address and directions for each.
Is there a Regions Bank in Elberton, GA?
Yes. FDIC data lists 1 Regions Bank branch in Elberton as of September 5, 2026. The address and directions are under Regions Bank above.
Is there a Oconee State Bank in Elberton, GA?
Yes. FDIC data lists 1 Oconee State Bank branch in Elberton as of September 5, 2026. The address and directions are under Oconee State Bank above.
Is there a Chase in Elberton, GA?
No. FDIC data lists no Chase branch in Elberton as of September 5, 2026. The nearest is in Athens, about 31 miles away in a straight line.
Which banks in Elberton are open on Saturday?
None of the 1 location with published hours lists Saturday hours. 5 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Elberton?
Vallant Bank and E L C O Credit Union have their main office in Elberton, according to the FDIC and the NCUA.
What is the oldest bank in Elberton?
Regions Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1928.
Which credit unions can I join in Elberton?
E L C O Credit Union has an office in Elberton. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Elberton 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 Elberton?
Nearby cities with more banks include Hartwell, Royston, Danielsville. Hartwell is 18 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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