US Bank Directory
Banks in Watkinsville, GA
6 FDIC-insured banks operate 7 offices in Watkinsville, 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: Watkinsville
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 9 locations in Watkinsville, according to the FDIC and the NCUA. 9 of them have coordinates on record and are on the map. 2 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 Watkinsville
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Oconee State Bank has the most locations in Watkinsville, with 2. The other 5 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.
Oconee State Bank Bank · 2
Oconee State Bank has 2 branches in Watkinsville, 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. In FDIC branch records, its longest-running Watkinsville location is its main office at 35 N Main St, dating to 1960; the newest, at Durham Street, Unit 10, Oakhill Office Condominiums, to 1993. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office35 N Main St, 30677
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Mortgage Office BranchDurham Street, Unit 10, Oakhill Office Condominiums, 30677
BankSouth Bank · 1
BankSouth has 1 branch in Watkinsville, 10 across Georgia and 10 nationwide. FDIC records list its main office in Greensboro, GA and show it operating since 1946. With $1.59 billion in total assets on June 30, 2026, it ranks No. 712 of 4,232 U.S. banks by total assets. The Watkinsville Branch at 7911 Macon Hwy dates to 2000 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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Watkinsville Branch7911 Macon Hwy, 30677
First American Bank Bank · 1
First American Bank has 1 branch in Watkinsville, 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 Watkinsville Branch at 1681 Experiment Station Rd dates to 2001 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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Watkinsville Branch1681 Experiment Station Rd, 30677
Peach State Credit Union Credit union · 1
Peach State Credit Union has 1 office in Watkinsville, 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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Oconee1260 Mars Hill Rd Ste 127, 30677
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Pinnacle Bank Bank · 1
Pinnacle Bank has 1 branch in Watkinsville, 107 across Georgia and 429 nationwide. FDIC records list its main office in Nashville, TN and show it operating since 2000. With $128.79 billion in total assets on June 30, 2026, it ranks No. 28 of 4,232 U.S. banks by total assets. The Butlers Crossing Branch at 2100 Experiment Station Rd dates to 1985 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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Butlers Crossing Branch2100 Experiment Station Rd, 30677
Robins Financial Credit Union Credit union · 1
Robins Financial Credit Union has 1 office in Watkinsville, 24 across Georgia. It is based in Warner Robins, GA and $4.91 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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Watkinsville Branch2273 Hog Mountain Rd, 30677
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
The Commercial Bank Bank · 1
The Commercial Bank has 1 branch in Watkinsville, 5 across Georgia and 5 nationwide. FDIC records list its main office in Crawford, GA and show it operating since 1924. With $463.7 million in total assets on June 30, 2026, it ranks No. 1,879 of 4,232 U.S. banks by total assets. The Athens Office at 1357 Oconee Connector 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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Athens Office1357 Oconee Connector, 30677
United Community Bank · 1
United Community has 1 branch in Watkinsville, 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 Oconee County Branch at 2456 Mars Hill Rd dates to 2018 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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Oconee County Branch2456 Mars Hill Rd, 30677
Join a credit union in Watkinsville
2 credit unions have 2 offices here: Robins Financial Credit Union and Peach State 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 Watkinsville page has every office in the state's directory.
Banking in Watkinsville: the local picture
Short answer: 6 banks run 7 branches in Watkinsville 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 Watkinsville, 3 elsewhere in Georgia and 2 out of state, according to the FDIC.
The bank with the longest record here is The Commercial Bank, operating since 1924 according to the FDIC. In FDIC branch records, the longest-running branch is Oconee State Bank's office at 35 N Main St, dating to 1960; the newest is The Commercial Bank's at 1357 Oconee Connector, from 2019.
2 credit unions have 2 offices in Watkinsville, 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. 7 locations have no published hours in these sources.
Saturday hours in Watkinsville
Short answer: None of the 2 Watkinsville locations with published hours lists Saturday hours. 7 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; 7 of the 9 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 Watkinsville, and where the nearest one is if they do not.
Short answer: No branches in Watkinsville: Chase (nearest in Athens, 6 mi), Wells Fargo (nearest in Athens, 5 mi), Bank of America (nearest in Athens, 3 mi), PNC Bank (nearest in Dacula, 31 mi), U.S. Bank (nearest in Sandy Springs, 53 mi), Truist (nearest in Athens, 5 mi), Fifth Third Bank (nearest in Bethlehem, 19 mi), Huntington (nearest in Athens, 5 mi), Regions Bank (nearest in Bogart, 3 mi), TD Bank, BMO.
| Bank | In Watkinsville | Nearest branch if none here |
|---|---|---|
| Chase | None | Athens, 6 miles away |
| Wells Fargo | None | Athens, 5 miles away |
| Bank of America | None | Athens, 3 miles away |
| PNC Bank | None | Dacula, 31 miles away |
| U.S. Bank | None | Sandy Springs, 53 miles away |
| Truist | None | Athens, 5 miles away |
| Fifth Third Bank | None | Bethlehem, 19 miles away |
| Huntington | None | Athens, 5 miles away |
| Regions Bank | None | Bogart, 3 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 Watkinsville 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 Watkinsville residents like anyone else.
Banks near Watkinsville
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Bogart (4 miles) and Athens (5 miles). Athens, 5 miles away, has the most banks nearby: 17.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Bogart, GA | 4 mi | 3 | 3 |
| Banks in Athens, GA | 5 mi | 17 | 32 |
| Banks in Monroe, GA | 18 mi | 7 | 8 |
| Banks in Winder, GA | 19 mi | 9 | 10 |
| Banks in Jefferson, GA | 19 mi | 6 | 6 |
| Banks in Madison, GA | 20 mi | 4 | 6 |
| Banks in Danielsville, GA | 21 mi | 2 | 2 |
| Banks in Social Circle, GA | 22 mi | 2 | 2 |
Bank branch openings and closings in Watkinsville
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Watkinsville 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 Watkinsville
Short answer: 1 institution has its main office in Watkinsville: Oconee State Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Oconee State Bank | Bank | $744.1 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Watkinsville by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Watkinsville offices.
Short answer: Pinnacle Bank is the largest bank with offices in Watkinsville, with $128.79 billion in total assets on June 30, 2026, No. 28 among U.S. banks by total assets. United Community is second with $28.99 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 |
|---|---|---|---|---|
| Pinnacle Bank | $128.79 billion | No. 28 | 1 | Nashville, TN |
| United Community | $28.99 billion | No. 73 | 1 | Greenville, SC |
| BankSouth | $1.59 billion | No. 712 | 1 | Greensboro, GA |
| First American Bank | $901.9 million | No. 1,143 | 1 | Athens, GA |
| Oconee State Bank | $744.1 million | No. 1,323 | 2 | Watkinsville, GA |
| The Commercial Bank | $463.7 million | No. 1,879 | 1 | Crawford, 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 Watkinsville: FAQ
How many banks are in Watkinsville, GA?
Watkinsville has 6 banks with 7 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 Watkinsville?
Oconee State Bank, with 2. Pinnacle Bank has 1 and United Community has 1.
Is there a Oconee State Bank in Watkinsville, GA?
Yes. FDIC data lists 2 Oconee State Bank branches in Watkinsville as of September 5, 2026, the main office at 35 N Main St. Its branches are listed under Oconee State Bank above, with the address and directions for each.
Is there a Pinnacle Bank in Watkinsville, GA?
Yes. FDIC data lists 1 Pinnacle Bank branch in Watkinsville as of September 5, 2026. The address and directions are under Pinnacle Bank above.
Is there a United Community in Watkinsville, GA?
Yes. FDIC data lists 1 United Community branch in Watkinsville as of September 5, 2026. The address and directions are under United Community above.
Is there a Chase in Watkinsville, GA?
No. FDIC data lists no Chase branch in Watkinsville as of September 5, 2026. The nearest is in Athens, about 6 miles away in a straight line.
Which banks in Watkinsville are open on Saturday?
None of the 2 locations with published hours lists Saturday hours. 7 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Watkinsville?
Oconee State Bank has its main office in Watkinsville, according to the FDIC.
What is the oldest bank in Watkinsville?
The Commercial Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1924.
Which credit unions can I join in Watkinsville?
Robins Financial Credit Union and Peach State Credit Union have offices in Watkinsville. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Watkinsville 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 Watkinsville?
Nearby cities with more banks include Bogart, Athens, Monroe. Bogart is 4 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 |
| 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 |
| 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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