US Bank Directory
Banks in Winchester, KY
9 FDIC-insured banks operate 14 offices in Winchester, 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: Winchester
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 15 locations in Winchester, according to the FDIC and the NCUA. 15 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
15 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 Winchester
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 Winchester, with 2 each. 4 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.
Central Bank & Trust Co. Bank · 2
Central Bank & Trust Co. has 2 branches in Winchester, 29 across Kentucky and 29 nationwide. FDIC records list its main office in Lexington, KY and show it operating since 1938. With $4.01 billion in total assets on June 30, 2026, it ranks No. 337 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Winchester location is the North Maple Branch at 43 N Maple St, dating to 1885; the newest, at 1110 Pioneer Dr, to 1990. It does not publish hours in the sources this page uses; check its site before you go.
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Pioneer Drive1110 Pioneer Dr, 40391
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North Maple Branch43 N Maple St, 40391
Community Trust Bank Bank · 2
Community Trust Bank has 2 branches in Winchester, 69 across Kentucky and 78 nationwide. FDIC records list its main office in Pikeville, KY and show it operating since 1903. With $6.95 billion in total assets on June 30, 2026, it ranks No. 223 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Winchester location is the Winchester Main Street Branch at 120 S Main St, dating to 1885; the newest, at 125 Winchester Plz, to 1969. It does not publish hours in the sources this page uses; check its site before you go.
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Winchester Main Street Branch120 S Main St, 40391
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Winchester Plaza Branch125 Winchester Plz, 40391
Peoples Exchange Bank Bank · 2
Peoples Exchange Bank has 2 branches in Winchester, 9 across Kentucky and 9 nationwide. FDIC records list its main office in Winchester, KY and show it operating since 1912. With $609.8 million in total assets on June 30, 2026, it ranks No. 1,550 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Winchester location is its main office at 101 N Main St, dating to 1912; the newest, at 175 Brooks Place Way, to 2000. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office101 N Main St, 40391
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Winchester Branch175 Brooks Place Way, 40391
Stock Yards Bank Bank · 2
Stock Yards Bank has 2 branches in Winchester, 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 Winchester location is the Winchester Maple Branch at 50 N Maple St, dating to 1865; the newest, at 1975 Bypass Rd, to 1963. It does not publish hours in the sources this page uses; check its site before you go.
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Winchester Colby Road Branch1975 Bypass Rd, 40391
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Winchester Maple Branch50 N Maple St, 40391
Traditional Bank Bank · 2
Traditional Bank has 2 branches in Winchester, 19 across Kentucky and 19 nationwide. FDIC records list its main office in Mount Sterling, KY and show it operating since 1902. With $2.44 billion in total assets on June 30, 2026, it ranks No. 510 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Winchester location is the Colby Rd Winchester at 875 Colby Rd, dating to 1998; the newest, at 30 W Broadway St, to 2019. It does not publish hours in the sources this page uses; check its site before you go.
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Downtown Branch30 W Broadway St, 40391
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Colby Rd Winchester875 Colby Rd, 40391
Burke & Herbert Bank Bank · 1
Burke & Herbert Bank has 1 branch in Winchester, 1 across Kentucky and 106 nationwide. FDIC records list its main office in Alexandria, VA and show it operating since 1852. With $10.98 billion in total assets on June 30, 2026, it ranks No. 151 of 4,232 U.S. banks by total assets. The Bypass Road Branch at 1705 Bypass Rd dates to 2002 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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Bypass Road Branch1705 Bypass Rd, 40391
Citizens Bank of Kentucky Bank · 1
Citizens Bank of Kentucky has 1 branch in Winchester, 12 across Kentucky and 12 nationwide. FDIC records list its main office in Paintsville, KY and show it operating since 1910. With $669.9 million in total assets on June 30, 2026, it ranks No. 1,421 of 4,232 U.S. banks by total assets. The Winchester Branch at 695 Bullion Blvd dates to 2003 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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Winchester Branch695 Bullion Blvd, 40391
Members Heritage Credit Union Credit union · 1
Members Heritage Credit Union has 1 office in Winchester, 5 across Kentucky. It is based in Lexington, KY and $583.6 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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Winchester Branch339 Shoppers Dr, 40391
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Truist Bank · 1
Truist has 1 branch in Winchester, 53 across Kentucky and 1,931 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1872. With $548.35 billion in total assets on June 30, 2026, it ranks No. 9 of 4,232 U.S. banks by total assets. The Bypass Road Branch at 825 Bypass Rd dates to 1975 in FDIC branch records. Its published hours do not list Saturday.
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Bypass Road Branch825 Bypass Rd, 40391
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
Woodforest Bank · 1
Woodforest has 1 branch in Winchester, 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 8118 Winchester Branch at 1859 Bypass Rd 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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8118 Winchester Branch1859 Bypass Rd, 40391
Join a credit union in Winchester
1 credit union has 1 office here: Members Heritage 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 Winchester page has every office in the state's directory.
Banking in Winchester: the local picture
Short answer: 9 banks run 14 branches in Winchester 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, 1 has its main office in Winchester, 5 elsewhere in Kentucky and 3 out of state, according to the FDIC.
The bank with the longest record here is Burke & Herbert Bank, operating since 1852 according to the FDIC. In FDIC branch records, the longest-running branch is Stock Yards Bank's office at 50 N Maple St, dating to 1865; the newest is Traditional Bank's at 30 W Broadway St, from 2019.
The only credit union with an office here is Members Heritage Credit Union.
Of the 2 locations with published hours. None open on Saturday. 13 locations have no published hours in these sources.
Saturday hours in Winchester
Short answer: None of the 2 Winchester locations with published hours lists Saturday hours. 13 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; 13 of the 15 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 Winchester, and where the nearest one is if they do not.
Short answer: In Winchester: Truist (1). No branches in Winchester: Chase (nearest in Lexington, 12 mi), Wells Fargo, Bank of America (nearest in Lexington, 12 mi), PNC Bank (nearest in Lexington, 13 mi), U.S. Bank (nearest in Lexington, 12 mi), Fifth Third Bank (nearest in Lexington, 12 mi), Huntington (nearest in Independence, 68 mi), Regions Bank (nearest in Franklin, 158 mi), TD Bank, BMO.
| Bank | In Winchester | Nearest branch if none here |
|---|---|---|
| Truist | 1 branch | here |
| Chase | None | Lexington, 12 miles away |
| Wells Fargo | None | none in Kentucky |
| Bank of America | None | Lexington, 12 miles away |
| PNC Bank | None | Lexington, 13 miles away |
| U.S. Bank | None | Lexington, 12 miles away |
| Fifth Third Bank | None | Lexington, 12 miles away |
| Huntington | None | Independence, 68 miles away |
| Regions Bank | None | Franklin, 158 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 Winchester 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 Winchester residents like anyone else.
Banks near Winchester
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Mount Sterling (15 miles) and Paris (15 miles). Lexington, 16 miles away, has the most banks nearby: 33.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Mount Sterling, KY | 15 mi | 6 | 11 |
| Banks in Paris, KY | 15 mi | 4 | 6 |
| Banks in Lexington, KY | 16 mi | 33 | 120 |
| Banks in Richmond, KY | 18 mi | 15 | 23 |
| Banks in Nicholasville, KY | 21 mi | 11 | 14 |
| Banks in Stanton, KY | 21 mi | 4 | 4 |
| Banks in Sharpsburg, KY | 23 mi | 2 | 2 |
| Banks in Irvine, KY | 24 mi | 2 | 4 |
Bank branch openings and closings in Winchester
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Winchester 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 Winchester
Short answer: 1 institution has its main office in Winchester: Peoples Exchange Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Peoples Exchange Bank | Bank | $609.8 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Winchester by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Winchester offices.
Short answer: Truist is the largest bank with offices in Winchester, with $548.35 billion in total assets on June 30, 2026, No. 9 among U.S. banks by total assets. Burke & Herbert Bank is second with $10.98 billion. 1 of the 9 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 |
|---|---|---|---|---|
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| Burke & Herbert Bank | $10.98 billion | No. 151 | 1 | Alexandria, VA |
| Stock Yards Bank | $10.36 billion | No. 157 | 2 | Louisville, KY |
| Woodforest | $8.98 billion | No. 181 | 1 | The Woodlands, TX |
| Community Trust Bank | $6.95 billion | No. 223 | 2 | Pikeville, KY |
| Central Bank & Trust Co. | $4.01 billion | No. 337 | 2 | Lexington, KY |
| Traditional Bank | $2.44 billion | No. 510 | 2 | Mount Sterling, KY |
| Citizens Bank of Kentucky | $669.9 million | No. 1,421 | 1 | Paintsville, KY |
| Peoples Exchange Bank | $609.8 million | No. 1,550 | 2 | Winchester, 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 Winchester: FAQ
How many banks are in Winchester, KY?
Winchester has 9 banks with 14 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 Winchester?
Stock Yards Bank, with 2. Community Trust Bank has 2 and Central Bank & Trust Co. has 2.
Is there a Stock Yards Bank in Winchester, KY?
Yes. FDIC data lists 2 Stock Yards Bank branches in Winchester as of September 5, 2026. Its branches are listed under Stock Yards Bank above, with the address and directions for each.
Is there a Community Trust Bank in Winchester, KY?
Yes. FDIC data lists 2 Community Trust Bank branches in Winchester as of September 5, 2026. Its branches are listed under Community Trust Bank above, with the address and directions for each.
Is there a Central Bank & Trust Co. in Winchester, KY?
Yes. FDIC data lists 2 Central Bank & Trust Co. branches in Winchester as of September 5, 2026. Its branches are listed under Central Bank & Trust Co. above, with the address and directions for each.
Is there a Chase in Winchester, KY?
No. FDIC data lists no Chase branch in Winchester as of September 5, 2026. The nearest is in Lexington, about 12 miles away in a straight line.
Which banks in Winchester are open on Saturday?
None of the 2 locations with published hours lists Saturday hours. 13 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Winchester?
Peoples Exchange Bank has its main office in Winchester, according to the FDIC.
What is the oldest bank in Winchester?
Burke & Herbert Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1852.
Which credit unions can I join in Winchester?
Members Heritage Credit Union has an office in Winchester. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Winchester 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 Winchester?
Nearby cities with more banks include Mount Sterling, Paris, Lexington. Mount Sterling is 15 miles away with 6 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 14 branches: Truist) | 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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