US Bank Directory
Banks in Morehead, KY
9 FDIC-insured banks operate 12 offices in Morehead, Kentucky, and 1 credit union has 1 office.
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: Morehead
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 13 locations in Morehead, according to the FDIC and the NCUA. 13 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
13 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 Morehead
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Stock Yards Bank, Whitaker Bank and The Citizens Bank have the most locations in Morehead, with 2 each. 6 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.
Stock Yards Bank Bank · 2
Stock Yards Bank has 2 branches in Morehead, 67 across Kentucky and 85 nationwide. FDIC records list its main office in Louisville, KY and show it operating since 1904. With $10.36 billion in total assets on June 30, 2026, it ranks No. 157 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Morehead location is the Flemingsburg Road Branch at 1500 Flemingsburg Rd, dating to 1926; the newest, at 400 W 1st St, to 2008. It does not publish hours in the sources this page uses; check its site before you go.
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Flemingsburg Road Branch1500 Flemingsburg Rd, 40351
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Morehead Downtown Branch400 W 1st St, 40351
The Citizens Bank Bank · 2
The Citizens Bank has 2 branches in Morehead, 5 across Kentucky and 5 nationwide. FDIC records list its main office in Morehead, KY and show it operating since 1928. With $228.6 million in total assets on June 30, 2026, it ranks No. 2,834 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Morehead location is its main office at 114 W Main St, dating to 1928; the newest, at 216 Trademore Shopping Ctr, to 1979. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office114 W Main St, 40351
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Trademore Branch216 Trademore Shopping Ctr, 40351
Whitaker Bank Bank · 2
Whitaker Bank has 2 branches in Morehead, 46 across Kentucky and 46 nationwide. FDIC records list its main office in Lexington, KY and show it operating since 1990. With $1.93 billion in total assets on June 30, 2026, it ranks No. 622 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Morehead location is the Morehead Bank Branch at 140 E Main St, dating to 1984; the newest, at 1489 Flemingsburg Rd, to 1999. It does not publish hours in the sources this page uses; check its site before you go.
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Morehead Bank Branch140 E Main St, 40351
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Northside Branch1489 Flemingsburg Rd, 40351
First Federal Savings and Loan Association Bank · 1
First Federal Savings and Loan Association has 1 branch in Morehead, 1 across Kentucky and 1 nationwide. FDIC records list its main office in Morehead, KY and show it operating since 1963. With $41.3 million in total assets on June 30, 2026, it ranks No. 4,116 of 4,232 U.S. banks by total assets. Its main office at 211 W Main St dates to 1963 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 office211 W Main St, 40351
Morehead Community Credit Union Credit union · 1
Morehead Community Credit Union has 1 office in Morehead, 1 across Kentucky. It is based in Morehead, KY and $64.0 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 office503 W Main St, 40351
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Peoples Bank Bank · 1
Peoples Bank has 1 branch in Morehead, 42 across Kentucky and 135 nationwide. FDIC records list its main office in Marietta, OH and show it operating since 1902. With $9.53 billion in total assets on June 30, 2026, it ranks No. 169 of 4,232 U.S. banks by total assets. The Morehead Lending Center at 1390 Flemingsburg Rd 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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Morehead Lending Center1390 Flemingsburg Rd, 40351
Peoples Bank of Kentucky Bank · 1
Peoples Bank of Kentucky has 1 branch in Morehead, 12 across Kentucky and 12 nationwide. FDIC records list its main office in Flemingsburg, KY and show it operating since 1906. With $564.9 million in total assets on June 30, 2026, it ranks No. 1,642 of 4,232 U.S. banks by total assets. The Cave Run Banking Center Branch at 2795 Ky Hwy 801 N. 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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Cave Run Banking Center Branch2795 Ky Hwy 801 N., 40351
The First National Bank of Grayson Bank · 1
The First National Bank of Grayson has 1 branch in Morehead, 7 across Kentucky and 7 nationwide. FDIC records list its main office in Grayson, KY and show it operating since 1902. With $371.9 million in total assets on June 30, 2026, it ranks No. 2,180 of 4,232 U.S. banks by total assets. The Morehead Branch at 200 Viking Dr dates to 2015 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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Morehead Branch200 Viking Dr, 40351
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Morehead, 69 across Kentucky and 2,097 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1863. With $705.55 billion in total assets on June 30, 2026, it ranks No. 6 of 4,232 U.S. banks by total assets. The Morehead at 122 E Main St dates to 1907 in FDIC branch records. It opens on Saturday.
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Morehead122 E Main St, 40351
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
Woodforest Bank · 1
Woodforest has 1 branch in Morehead, 23 across Kentucky and 743 nationwide. FDIC records list its main office in The Woodlands, TX and show it operating since 1980. With $8.98 billion in total assets on June 30, 2026, it ranks No. 181 of 4,232 U.S. banks by total assets. The 8069 Morehead Branch at 200 Walmart Way dates to 2008 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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8069 Morehead Branch200 Walmart Way, 40351
Join a credit union in Morehead
1 credit union has 1 office here: Morehead Community 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 Morehead page has every office in the state's directory.
Banking in Morehead: the local picture
Short answer: 9 banks run 12 branches in Morehead 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 9 banks, 2 have their main office in Morehead, 4 elsewhere in Kentucky and 3 out of state, according to the FDIC.
The bank with the longest record here is U.S. Bank, operating since 1863 according to the FDIC. In FDIC branch records, the longest-running branch is U.S. Bank's office at 122 E Main St, dating to 1907; the newest is Peoples Bank of Kentucky's at 2795 Ky Hwy 801 N., from 2023.
The only credit union with an office here is Morehead Community Credit Union.
Of the 2 locations with published hours. 1 opens on Saturday. 11 locations have no published hours in these sources.
Banks open on Saturday in Morehead
Short answer: 1 of the 2 Morehead locations with published hours opens on Saturday, run by 1 institution.
- U.S. Bank: 1 of 1 branch (122 E Main St: 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; 11 of the 13 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 Morehead, and where the nearest one is if they do not.
Short answer: In Morehead: U.S. Bank (1). No branches in Morehead: Chase (nearest in Lexington, 53 mi), Wells Fargo, Bank of America (nearest in Lexington, 53 mi), PNC Bank (nearest in Ashland, 49 mi), Truist (nearest in Winchester, 42 mi), Fifth Third Bank (nearest in Paris, 44 mi), Huntington (nearest in Independence, 77 mi), Regions Bank (nearest in Franklin, 198 mi), TD Bank, BMO.
| Bank | In Morehead | Nearest branch if none here |
|---|---|---|
| U.S. Bank | 1 branch | here |
| Chase | None | Lexington, 53 miles away |
| Wells Fargo | None | none in Kentucky |
| Bank of America | None | Lexington, 53 miles away |
| PNC Bank | None | Ashland, 49 miles away |
| Truist | None | Winchester, 42 miles away |
| Fifth Third Bank | None | Paris, 44 miles away |
| Huntington | None | Independence, 77 miles away |
| Regions Bank | None | Franklin, 198 miles away |
| TD Bank | None | none in Kentucky |
| BMO | None | none in Kentucky |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Morehead 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%.
| 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 Morehead residents like anyone else.
Banks near Morehead
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Owingsville (16 miles) and Sandy Hook (18 miles). Mount Sterling, 27 miles away, has the most banks nearby: 6.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Owingsville, KY | 16 mi | 3 | 4 |
| Banks in Sandy Hook, KY | 18 mi | 2 | 2 |
| Banks in Olive Hill, KY | 18 mi | 2 | 2 |
| Banks in Flemingsburg, KY | 21 mi | 2 | 6 |
| Banks in West Liberty, KY | 22 mi | 4 | 5 |
| Banks in Sharpsburg, KY | 24 mi | 2 | 2 |
| Banks in Tollesboro, KY | 26 mi | 2 | 2 |
| Banks in Mount Sterling, KY | 27 mi | 6 | 11 |
Bank branch openings and closings in Morehead
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Morehead 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 Morehead
Short answer: 3 institutions have their main office in Morehead: The Citizens Bank, Morehead Community Credit Union and First Federal Savings and Loan Association.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| The Citizens Bank | Bank | $228.6 million | 2 |
| Morehead Community Credit Union | Credit union | $64.0 million | 1 |
| First Federal Savings and Loan Association | Bank | $41.3 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Morehead by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Morehead offices.
Short answer: U.S. Bank is the largest bank with offices in Morehead, with $705.55 billion in total assets on June 30, 2026, No. 6 among U.S. banks by total assets. Stock Yards Bank is second with $10.36 billion. 2 of the 9 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 |
|---|---|---|---|---|
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
| Stock Yards Bank | $10.36 billion | No. 157 | 2 | Louisville, KY |
| Peoples Bank | $9.53 billion | No. 169 | 1 | Marietta, OH |
| Woodforest | $8.98 billion | No. 181 | 1 | The Woodlands, TX |
| Whitaker Bank | $1.93 billion | No. 622 | 2 | Lexington, KY |
| Peoples Bank of Kentucky | $564.9 million | No. 1,642 | 1 | Flemingsburg, KY |
| The First National Bank of Grayson | $371.9 million | No. 2,180 | 1 | Grayson, KY |
| The Citizens Bank | $228.6 million | No. 2,834 | 2 | Morehead, KY |
| First Federal Savings and Loan Association | $41.3 million | No. 4,116 | 1 | Morehead, KY |
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 Morehead: FAQ
How many banks are in Morehead, KY?
Morehead has 9 banks with 12 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 Morehead?
Stock Yards Bank, with 2. Whitaker Bank has 2 and The Citizens Bank has 2.
Is there a Stock Yards Bank in Morehead, KY?
Yes. FDIC data lists 2 Stock Yards Bank branches in Morehead as of September 5, 2026. Its branches are listed under Stock Yards Bank above, with the address and directions for each.
Is there a Whitaker Bank in Morehead, KY?
Yes. FDIC data lists 2 Whitaker Bank branches in Morehead as of September 5, 2026. Its branches are listed under Whitaker Bank above, with the address and directions for each.
Is there a The Citizens Bank in Morehead, KY?
Yes. FDIC data lists 2 The Citizens Bank branches in Morehead as of September 5, 2026, the main office at 114 W Main St. Its branches are listed under The Citizens Bank above, with the address and directions for each.
Is there a Chase in Morehead, KY?
No. FDIC data lists no Chase branch in Morehead as of September 5, 2026. The nearest is in Lexington, about 53 miles away in a straight line.
Which banks in Morehead are open on Saturday?
U.S. Bank publishes Saturday hours for one or more Morehead locations. The Saturday section above lists each one with its hours. 11 of the 13 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Morehead?
The Citizens Bank, Morehead Community Credit Union and First Federal Savings and Loan Association have their main office in Morehead, according to the FDIC and the NCUA.
What is the oldest bank in Morehead?
U.S. Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1863.
Which credit unions can I join in Morehead?
Morehead Community Credit Union has an office in Morehead. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Morehead 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 Morehead?
Nearby cities with more banks include Owingsville, Sandy Hook, Olive Hill. Owingsville is 16 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 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 |
| Bank branch hours, phones and branch pages (1 of 12 branches: U.S. 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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