US Bank Directory
Banks in Black Mountain, NC
4 FDIC-insured banks operate 4 offices in Black Mountain, North Carolina, 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: Black Mountain
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: 5 banks and credit unions operate 5 locations in Black Mountain, according to the FDIC and the NCUA. 5 of them have coordinates on record and are on the map. 3 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
5 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 Black Mountain
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 4 banks share the most locations in Black Mountain, with 1 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.
Black Mountain Savings Bank, SSB Bank · 1
Black Mountain Savings Bank, SSB has 1 branch in Black Mountain, 1 across North Carolina and 1 nationwide. FDIC records list its main office in Black Mountain, NC and show it operating since 1923. With $43.0 million in total assets on June 30, 2026, it ranks No. 4,103 of 4,232 U.S. banks by total assets. Its main office at 200 E State St dates to 1923 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 office200 E State St, 28711
Fifth Third Bank Bank · 1
Fifth Third Bank has 1 branch in Black Mountain, 87 across North Carolina and 1,508 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1865. With $299.18 billion in total assets on June 30, 2026, it ranks No. 14 of 4,232 U.S. banks by total assets. The Black Mountain Branch at 128 Montreat Rd dates to 1968 in FDIC branch records. Its published hours do not list Saturday.
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Black Mountain Branch128 Montreat Rd, 28711
All hours
Mon closed; Tue to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
First Bank Bank · 1
First Bank has 1 branch in Black Mountain, 102 across North Carolina and 116 nationwide. FDIC records list its main office in Southern Pines, NC and show it operating since 1934. With $13.03 billion in total assets on June 30, 2026, it ranks No. 138 of 4,232 U.S. banks by total assets. The 206 Black Mountain at 300 W State St dates to 1936 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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206 Black Mountain300 W State St, 28711
First Citizens Bank Bank · 1
First Citizens Bank has 1 branch in Black Mountain, 196 across North Carolina 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 Black Mountain Branch at 417 W State St dates to 2005 in FDIC branch records. Its published hours do not list Saturday.
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Black Mountain Branch417 W State St, 28711
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun closed
Hours: First Citizens Bank branch locator (All The Places), checked Oct 10, 2026
State Employees' Credit Union Credit union · 1
State Employees' Credit Union has 1 office in Black Mountain, 286 across North Carolina. It is based in Raleigh, NC and $59.76 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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Black Mountain313 W State St, 28711
All hours
Mon to Fri 8:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Black Mountain
1 credit union has 1 office here: State Employees' 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 Black Mountain page has every office in the state's directory.
Banking in Black Mountain: the local picture
Short answer: 4 banks run 4 branches in Black Mountain 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 4 banks, 1 has its main office in Black Mountain, 2 elsewhere in North Carolina and 1 out of state, according to the FDIC.
The bank with the longest record here is Fifth Third Bank, operating since 1865 according to the FDIC. In FDIC branch records, the longest-running branch is Black Mountain Savings Bank, SSB's office at 200 E State St, dating to 1923; the newest is First Citizens Bank's at 417 W State St, from 2005.
The only credit union with an office here is State Employees' Credit Union.
Of the 3 locations with published hours. None open on Saturday. 2 locations have no published hours in these sources.
Saturday hours in Black Mountain
Short answer: None of the 3 Black Mountain locations with published hours lists Saturday hours. 2 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; 2 of the 5 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 Black Mountain, and where the nearest one is if they do not.
Short answer: In Black Mountain: Fifth Third Bank (1). No branches in Black Mountain: Chase (nearest in Asheville, 14 mi), Wells Fargo (nearest in Asheville, 10 mi), Bank of America (nearest in Asheville, 13 mi), PNC Bank (nearest in Asheville, 13 mi), U.S. Bank (nearest in Huntersville, 82 mi), Truist (nearest in Asheville, 9 mi), Huntington (nearest in Charlotte, 87 mi), Regions Bank (nearest in Highlands, 63 mi), TD Bank (nearest in Asheville, 13 mi), BMO.
| Bank | In Black Mountain | Nearest branch if none here |
|---|---|---|
| Fifth Third Bank | 1 branch | here |
| Chase | None | Asheville, 14 miles away |
| Wells Fargo | None | Asheville, 10 miles away |
| Bank of America | None | Asheville, 13 miles away |
| PNC Bank | None | Asheville, 13 miles away |
| U.S. Bank | None | Huntersville, 82 miles away |
| Truist | None | Asheville, 9 miles away |
| Huntington | None | Charlotte, 87 miles away |
| Regions Bank | None | Highlands, 63 miles away |
| TD Bank | None | Asheville, 13 miles away |
| BMO | None | none in North Carolina |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Black Mountain to the nearest branch in North Carolina.
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 Black Mountain residents like anyone else.
Banks near Black Mountain
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Asheville (13 miles) and Weaverville (15 miles). Asheville, 13 miles away, has the most banks nearby: 21.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Asheville, NC | 13 mi | 21 | 49 |
| Banks in Weaverville, NC | 15 mi | 7 | 7 |
| Banks in Arden, NC | 15 mi | 6 | 6 |
| Banks in Fletcher, NC | 16 mi | 2 | 2 |
| Banks in Marion, NC | 18 mi | 3 | 3 |
| Banks in Candler, NC | 19 mi | 2 | 2 |
| Banks in Burnsville, NC | 20 mi | 5 | 5 |
| Banks in Hendersonville, NC | 22 mi | 12 | 15 |
Bank branch openings and closings in Black Mountain
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Black Mountain 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 Black Mountain
Short answer: 1 institution has its main office in Black Mountain: Black Mountain Savings Bank, SSB.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Black Mountain Savings Bank, SSB | Bank | $43.0 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Black Mountain by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Black Mountain offices.
Short answer: Fifth Third Bank is the largest bank with offices in Black Mountain, with $299.18 billion in total assets on June 30, 2026, No. 14 among U.S. banks by total assets. First Citizens Bank is second with $236.32 billion. 1 of the 4 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 |
|---|---|---|---|---|
| Fifth Third Bank | $299.18 billion | No. 14 | 1 | Cincinnati, OH |
| First Citizens Bank | $236.32 billion | No. 19 | 1 | Raleigh, NC |
| First Bank | $13.03 billion | No. 138 | 1 | Southern Pines, NC |
| Black Mountain Savings Bank, SSB | $43.0 million | No. 4,103 | 1 | Black Mountain, NC |
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 Black Mountain: FAQ
How many banks are in Black Mountain, NC?
Black Mountain has 4 banks with 4 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 Black Mountain?
Fifth Third Bank, with 1. First Citizens Bank has 1 and First Bank has 1.
Is there a Fifth Third Bank in Black Mountain, NC?
Yes. FDIC data lists 1 Fifth Third Bank branch in Black Mountain as of September 5, 2026. The address and directions are under Fifth Third Bank above.
Is there a First Citizens Bank in Black Mountain, NC?
Yes. FDIC data lists 1 First Citizens Bank branch in Black Mountain as of September 5, 2026. The address and directions are under First Citizens Bank above.
Is there a First Bank in Black Mountain, NC?
Yes. FDIC data lists 1 First Bank branch in Black Mountain as of September 5, 2026. The address and directions are under First Bank above.
Is there a Chase in Black Mountain, NC?
No. FDIC data lists no Chase branch in Black Mountain as of September 5, 2026. The nearest is in Asheville, about 14 miles away in a straight line.
Which banks in Black Mountain are open on Saturday?
None of the 3 locations with published hours lists Saturday hours. 2 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Black Mountain?
Black Mountain Savings Bank, SSB has its main office in Black Mountain, according to the FDIC.
What is the oldest bank in Black Mountain?
Fifth Third Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1865.
Which credit unions can I join in Black Mountain?
State Employees' Credit Union has an office in Black Mountain. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Black Mountain 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 Black Mountain?
Nearby cities with more banks include Asheville, Weaverville, Arden. Asheville is 13 miles away with 21 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 (2 of 4 branches: Fifth Third Bank, 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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