US Bank Directory
Banks in Mcrae, GA
2 FDIC-insured banks operate 2 offices in Mcrae, Georgia.
Source: FDIC BankFind, data as of September 5, 2026.
Bank branch map: Mcrae
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: 2 banks and credit unions operate 2 locations in Mcrae, according to the FDIC. 2 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.
Branches: FDIC, NCUA. Streets: loading.
2 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 in Mcrae
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: The Merchants & Citizens Bank and The Security State Bank have the most locations in Mcrae, with 1 each. 2 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.
The Merchants & Citizens Bank Bank · 1
The Merchants & Citizens Bank has 1 branch in Mcrae, 1 across Georgia and 1 nationwide. FDIC records list its main office in Mcrae, GA and show it operating since 1929. With $146.0 million in total assets on June 30, 2026, it ranks No. 3,356 of 4,232 U.S. banks by total assets. Its main office at 6 College St dates to 1929 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 office6 College St, 31055
The Security State Bank Bank · 1
The Security State Bank has 1 branch in Mcrae, 1 across Georgia and 1 nationwide. FDIC records list its main office in Mcrae, GA and show it operating since 1950. With $70.5 million in total assets on June 30, 2026, it ranks No. 3,923 of 4,232 U.S. banks by total assets. Its main office at 45 W Oak St dates to 1950 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 office45 W Oak St, 31055
Banking in Mcrae: the local picture
Short answer: 2 banks run 2 branches in Mcrae 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 2 banks, 2 have their main office in Mcrae, according to the FDIC.
The bank with the longest record here is The Merchants & Citizens Bank, operating since 1929 according to the FDIC. In FDIC branch records, the longest-running branch is The Merchants & Citizens Bank's office at 6 College St, dating to 1929; the newest is The Security State Bank's at 45 W Oak St, from 1950.
None of the 2 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.
Chase, Bank of America and other national banks
Which big national banks have branches in Mcrae, and where the nearest one is if they do not.
Short answer: No branches in Mcrae: Chase (nearest in Savannah, 105 mi), Wells Fargo (nearest in Dublin, 33 mi), Bank of America (nearest in Warner Robins, 56 mi), PNC Bank (nearest in Montezuma, 68 mi), U.S. Bank (nearest in Sandy Springs, 153 mi), Truist (nearest in Vidalia, 31 mi), Fifth Third Bank (nearest in Bonaire, 52 mi), Huntington (nearest in Unadilla, 51 mi), Regions Bank (nearest in Cordele, 51 mi), TD Bank, BMO.
| Bank | In Mcrae | Nearest branch if none here |
|---|---|---|
| Chase | None | Savannah, 105 miles away |
| Wells Fargo | None | Dublin, 33 miles away |
| Bank of America | None | Warner Robins, 56 miles away |
| PNC Bank | None | Montezuma, 68 miles away |
| U.S. Bank | None | Sandy Springs, 153 miles away |
| Truist | None | Vidalia, 31 miles away |
| Fifth Third Bank | None | Bonaire, 52 miles away |
| Huntington | None | Unadilla, 51 miles away |
| Regions Bank | None | Cordele, 51 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 Mcrae 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 Mcrae residents like anyone else.
Banks near Mcrae
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Eastman (19 miles) and Hazlehurst (23 miles). Dublin, 32 miles away, has the most banks nearby: 11.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Eastman, GA | 19 mi | 3 | 3 |
| Banks in Hazlehurst, GA | 23 mi | 3 | 4 |
| Banks in Vidalia, GA | 31 mi | 7 | 9 |
| Banks in Fitzgerald, GA | 32 mi | 2 | 3 |
| Banks in Dublin, GA | 32 mi | 11 | 16 |
| Banks in Rochelle, GA | 34 mi | 2 | 2 |
| Banks in Cochran, GA | 34 mi | 3 | 3 |
| Banks in Lyons, GA | 35 mi | 3 | 3 |
Bank branch openings and closings in Mcrae
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Mcrae 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 Mcrae
Short answer: 2 institutions have their main office in Mcrae: The Merchants & Citizens Bank and The Security State Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| The Merchants & Citizens Bank | Bank | $146.0 million | 1 |
| The Security State Bank | Bank | $70.5 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Mcrae by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Mcrae offices.
Short answer: The Merchants & Citizens Bank is the largest bank with offices in Mcrae, with $146.0 million in total assets on June 30, 2026, No. 3,356 among U.S. banks by total assets. The Security State Bank is second with $70.5 million. 2 of the 2 banks are headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| The Merchants & Citizens Bank | $146.0 million | No. 3,356 | 1 | Mcrae, GA |
| The Security State Bank | $70.5 million | No. 3,923 | 1 | Mcrae, 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 Mcrae: FAQ
How many banks are in Mcrae, GA?
Mcrae has 2 banks with 2 branches, according to FDIC data as of September 5, 2026.
Which bank has the most branches in Mcrae?
The Merchants & Citizens Bank, with 1. The Security State Bank has 1.
Is there a The Merchants & Citizens Bank in Mcrae, GA?
Yes. FDIC data lists 1 The Merchants & Citizens Bank branch in Mcrae as of September 5, 2026, the main office at 6 College St. The address and directions are under The Merchants & Citizens Bank above.
Is there a The Security State Bank in Mcrae, GA?
Yes. FDIC data lists 1 The Security State Bank branch in Mcrae as of September 5, 2026, the main office at 45 W Oak St. The address and directions are under The Security State Bank above.
Is there a Chase in Mcrae, GA?
No. FDIC data lists no Chase branch in Mcrae as of September 5, 2026. The nearest is in Savannah, about 105 miles away in a straight line.
Which banks are headquartered in Mcrae?
The Merchants & Citizens Bank and The Security State Bank have their main office in Mcrae, according to the FDIC.
What is the oldest bank in Mcrae?
The Merchants & Citizens Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1929.
Did any bank branches open or close in Mcrae 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 Mcrae?
Nearby cities with more banks include Eastman, Hazlehurst, Vidalia. Eastman is 19 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 |
| 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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