US Bank Directory
Banks in Toccoa, GA
5 FDIC-insured banks operate 5 offices in Toccoa, Georgia, and 5 credit unions have 7 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: Toccoa
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: 10 banks and credit unions operate 12 locations in Toccoa, according to the FDIC and the NCUA. 9 of them have coordinates on record and are on the map. 8 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 Toccoa
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 5 banks share the most locations in Toccoa, with 1 each. 5 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.
North Georgia Credit Union Credit union · 2
North Georgia Credit Union has 2 officees in Toccoa, 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. 1 of its 2 Toccoa locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office695 Big A Rd, 30577
All hours
Mon to Fri 8:30 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
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Toccoa - Mize Rd Branch1067 Mize Rd, 30577
All hours
Mon to Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Stephens County Community Credit Union Credit union · 2
Stephens County Community Credit Union has 2 officees in Toccoa, 2 across Georgia. It is based in Toccoa, GA and $152,000 in assets on March 31, 2026, according to its NCUA call report. None of its 2 Toccoa locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Main Office main office69 W Whitman St, 30577
All hours
Mon to Wed not published; Thu 4:30 pm to 6 pm; Fri to Sun not published
Hours: NCUA, March 31, 2026
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Disaster Recovery/Branch51 W Doyle St, 30577
All hours
Mon to Wed not published; Thu 4:30 pm to 6 pm; Fri to Sun not published
Hours: NCUA, March 31, 2026
First Citizens Bank Bank · 1
First Citizens Bank has 1 branch in Toccoa, 26 across Georgia and 518 nationwide. FDIC records list its main office in Raleigh, NC and show it operating since 1898. With $236.32 billion in total assets on June 30, 2026, it ranks No. 19 of 4,232 U.S. banks by total assets. The Toccoa Branch at 122 N Alexander St dates to 1911 in FDIC branch records. Its published hours do not list Saturday.
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Toccoa Branch122 N Alexander St, 30577
All hours
Mon to Tue 9 am to 5 pm; Wed 9 am to 1 pm; Thu to Fri 9 am to 5 pm; Sat to Sun closed
Hours: First Citizens Bank branch locator (All The Places), checked Oct 10, 2026
Northeast Georgia Bank Bank · 1
Northeast Georgia Bank has 1 branch in Toccoa, 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 Toccoa Office Branch at 56 Stephen Cir dates to 1999 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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Toccoa Office Branch56 Stephen Cir, 30577
Oconee Federal Savings and Loan Association Bank · 1
Oconee Federal Savings and Loan Association has 1 branch in Toccoa, 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 Toccoa Br at 2859 Highway 17 Alt 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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Toccoa Br2859 Highway 17 Alt, 30577
Omega Psi Phi Fraternity Credit Union Credit union · 1
Omega Psi Phi Fraternity Credit Union has 1 office in Toccoa, 1 across Georgia. It is based in Toccoa, GA and $5.5 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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Main Office main office568 Liberty Hill Rd C/O Peach State Fcu, 30577
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Peach State Credit Union Credit union · 1
Peach State Credit Union has 1 office in Toccoa, 26 across Georgia. It is based in Lawrenceville, GA and $1.11 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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Liberty Hill568 Liberty Hill Rd, 30577
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Regions Bank Bank · 1
Regions Bank has 1 branch in Toccoa, 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 Toccoa Main Branch at 168 North Hill Street dates to 1951 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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Toccoa Main Branch168 North Hill Street, 30577
SouthState Bank · 1
SouthState has 1 branch in Toccoa, 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 Toccoa Branch at 1111 Big A Rd S dates to 1989 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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Toccoa Branch1111 Big A Rd S, 30577
the Wright Credit Union Credit union · 1
the Wright Credit Union has 1 office in Toccoa, 2 across Georgia. It is based in Toccoa, GA and $16.4 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 office286 N Broad St, 30577
All hours
Mon to Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Toccoa
5 credit unions have 7 offices here: North Georgia Credit Union, Stephens County Community Credit Union, Peach State Credit Union, the Wright Credit Union and Omega Psi Phi Fraternity 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 Toccoa page has every office in the state's directory.
Banking in Toccoa: the local picture
Short answer: 5 banks run 5 branches in Toccoa 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 Toccoa, 1 elsewhere in Georgia and 4 out of state, according to the FDIC.
The bank with the longest record here is First Citizens Bank, operating since 1898 according to the FDIC. In FDIC branch records, the longest-running branch is First Citizens Bank's office at 122 N Alexander St, dating to 1911; the newest is Northeast Georgia Bank's at 56 Stephen Cir, from 1999.
5 credit unions have 7 offices in Toccoa, according to the NCUA. Who can join each one is on the credit unions page.
Of the 8 locations with published hours. 1 opens on Saturday. 4 locations have no published hours in these sources.
Credit unions open on Saturday in Toccoa
Short answer: 1 of the 8 Toccoa locations with published hours opens on Saturday, run by 1 institution.
- North Georgia Credit Union: 1 of 2 offices (695 Big A Rd: Saturday 9 am to 12 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; 4 of the 12 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 Toccoa, and where the nearest one is if they do not.
Short answer: In Toccoa: Regions Bank (1). No branches in Toccoa: Chase (nearest in Athens, 43 mi), Wells Fargo (nearest in Gainesville, 34 mi), Bank of America (nearest in Gainesville, 36 mi), PNC Bank (nearest in Dacula, 49 mi), U.S. Bank (nearest in Sandy Springs, 75 mi), Truist (nearest in Lavonia, 15 mi), Fifth Third Bank (nearest in Gainesville, 33 mi), Huntington (nearest in Gainesville, 35 mi), TD Bank, BMO.
| Bank | In Toccoa | Nearest branch if none here |
|---|---|---|
| Regions Bank | 1 branch | here |
| Chase | None | Athens, 43 miles away |
| Wells Fargo | None | Gainesville, 34 miles away |
| Bank of America | None | Gainesville, 36 miles away |
| PNC Bank | None | Dacula, 49 miles away |
| U.S. Bank | None | Sandy Springs, 75 miles away |
| Truist | None | Lavonia, 15 miles away |
| Fifth Third Bank | None | Gainesville, 33 miles away |
| Huntington | None | Gainesville, 35 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 Toccoa 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 Toccoa residents like anyone else.
Banks near Toccoa
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 (12 miles) and Cornelia (14 miles). Clayton, 21 miles away, has the most banks nearby: 6.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Clarkesville, GA | 12 mi | 5 | 5 |
| Banks in Cornelia, GA | 14 mi | 5 | 6 |
| Banks in Carnesville, GA | 15 mi | 2 | 2 |
| Banks in Lavonia, GA | 15 mi | 4 | 4 |
| Banks in Clayton, GA | 21 mi | 6 | 6 |
| Banks in Royston, GA | 23 mi | 2 | 3 |
| Banks in Cleveland, GA | 26 mi | 5 | 5 |
| Banks in Commerce, GA | 26 mi | 6 | 7 |
Bank branch openings and closings in Toccoa
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Toccoa 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 Toccoa
Short answer: 4 institutions have their main office in Toccoa: North Georgia Credit Union, Stephens County Community Credit Union, the Wright Credit Union and Omega Psi Phi Fraternity Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| North Georgia Credit Union | Credit union | $116.5 million | 2 |
| Stephens County Community Credit Union | Credit union | $152,000 | 2 |
| the Wright Credit Union | Credit union | $16.4 million | 1 |
| Omega Psi Phi Fraternity Credit Union | Credit union | $5.5 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Toccoa by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Toccoa offices.
Short answer: First Citizens Bank is the largest bank with offices in Toccoa, with $236.32 billion in total assets on June 30, 2026, No. 19 among U.S. banks by total assets. Regions Bank is second with $159.79 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| First Citizens Bank | $236.32 billion | No. 19 | 1 | Raleigh, NC |
| Regions Bank | $159.79 billion | No. 27 | 1 | Birmingham, AL |
| SouthState | $68.79 billion | No. 41 | 1 | Winter Haven, FL |
| Oconee Federal Savings and Loan Association | $679.4 million | No. 1,407 | 1 | Seneca, SC |
| 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 Toccoa: FAQ
How many banks are in Toccoa, GA?
Toccoa has 5 banks with 5 branches and 5 credit unions with 7 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 Toccoa?
First Citizens Bank, with 1. Regions Bank has 1 and SouthState has 1.
Is there a First Citizens Bank in Toccoa, GA?
Yes. FDIC data lists 1 First Citizens Bank branch in Toccoa as of September 5, 2026. The address and directions are under First Citizens Bank above.
Is there a Regions Bank in Toccoa, GA?
Yes. FDIC data lists 1 Regions Bank branch in Toccoa as of September 5, 2026. The address and directions are under Regions Bank above.
Is there a SouthState in Toccoa, GA?
Yes. FDIC data lists 1 SouthState branch in Toccoa as of September 5, 2026. The address and directions are under SouthState above.
Is there a Chase in Toccoa, GA?
No. FDIC data lists no Chase branch in Toccoa as of September 5, 2026. The nearest is in Athens, about 43 miles away in a straight line.
Which banks in Toccoa are open on Saturday?
North Georgia Credit Union publishes Saturday hours for one or more Toccoa locations. The Saturday section above lists each one with its hours. 4 of the 12 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Toccoa?
North Georgia Credit Union, Stephens County Community Credit Union, the Wright Credit Union and Omega Psi Phi Fraternity Credit Union have their main office in Toccoa, according to the FDIC and the NCUA.
What is the oldest bank in Toccoa?
First Citizens Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1898.
Which credit unions can I join in Toccoa?
North Georgia Credit Union, Stephens County Community Credit Union, Peach State Credit Union and the Wright Credit Union and 1 more have offices in Toccoa. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Toccoa 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 Toccoa?
Nearby cities with more banks include Clarkesville, Cornelia, Carnesville. Clarkesville is 12 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 4 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 5 branches: First Citizens 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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