Banks in Clay, KY

Bank branch map: Clay

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: 1 institution operates 1 location in Clay, according to the FDIC. 1 of them has coordinates on record and is on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

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 Clay

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: United Community Bank of West Kentucky is the only bank with an office in Clay. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

United Community Bank of West Kentucky 1 branch · main office Morganfield, KY Bank · 1

United Community Bank of West Kentucky has 1 branch in Clay, 6 across Kentucky and 6 nationwide. FDIC records list its main office in Morganfield, KY and show it operating since 2001. With $524.9 million in total assets on June 30, 2026, it ranks No. 1,736 of 4,232 U.S. banks by total assets. The Clay Branch at 54 Hearin St dates to 2005 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Clay Branch

  54 Hearin St, 42404

  Hours: see the bank's site
  DirectionsWebsite

United Community Bank of West Kentucky: profile, branches and contacts

Banking in Clay: the local picture

Short answer: 1 bank runs 1 branch in Clay according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

United Community Bank of West Kentucky has its main office in Morganfield, KY, according to the FDIC.

The bank with the longest record here is United Community Bank of West Kentucky, operating since 2001 according to the FDIC.

The one location here does not publish 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 Clay, and where the nearest one is if they do not.

Short answer: No branches in Clay: Chase (nearest in Owensboro, 43 mi), Wells Fargo, Bank of America (nearest in Louisville, 119 mi), PNC Bank (nearest in Owensboro, 43 mi), U.S. Bank (nearest in Madisonville, 20 mi), Truist (nearest in Eddyville, 31 mi), Fifth Third Bank (nearest in Morganfield, 15 mi), Huntington (nearest in Walton, 199 mi), Regions Bank (nearest in Paducah, 50 mi), TD Bank, BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Clay to the nearest branch in Kentucky.

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%.

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 Clay residents like anyone else.

Banks near Clay

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Providence (7 miles) and Sturgis (10 miles). Henderson, 29 miles away, has the most banks nearby: 8.

Bank branch openings and closings in Clay

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Clay between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Clay by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Clay offices.

Short answer: United Community Bank of West Kentucky is the largest bank with offices in Clay, with $524.9 million in total assets on June 30, 2026, No. 1,736 among U.S. banks by total assets. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

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 Clay: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.