US Bank Directory
Banks in Granite Falls, NC
4 FDIC-insured banks operate 4 offices in Granite Falls, North Carolina, and 2 credit unions have 2 offices.
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: Granite Falls
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: 6 banks and credit unions operate 6 locations in Granite Falls, according to the FDIC and the NCUA. 6 of them have coordinates on record and are on the map. 3 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
6 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 Granite Falls
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 Granite Falls, 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.
First Citizens Bank Bank · 1
First Citizens Bank has 1 branch in Granite Falls, 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 Granite Falls Branch at 45 Falls Ave dates to 1970 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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Granite Falls Branch45 Falls Ave, 28630
First Horizon Bank · 1
First Horizon has 1 branch in Granite Falls, 81 across North Carolina and 416 nationwide. FDIC records list its main office in Memphis, TN and show it operating since 1864. With $84.12 billion in total assets on June 30, 2026, it ranks No. 38 of 4,232 U.S. banks by total assets. The Granite Falls Branch at 23 N Main St dates to 1906 in FDIC branch records. Its published hours do not list Saturday.
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Granite Falls Branch23 N Main St, 28630
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: First Horizon branch locator (All The Places), checked Oct 10, 2026
PNC Bank Bank · 1
PNC Bank has 1 branch in Granite Falls, 101 across North Carolina and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. The Granite Falls Branch at 115 N Main St dates to 1986 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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Granite Falls Branch115 N Main St, 28630
Shuford Credit Union Credit union · 1
Shuford Credit Union has 1 office in Granite Falls, 2 across North Carolina. It is based in Hickory, NC and $36.3 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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Granite Falls Branch12 Falls Ave, 28630
All hours
Mon to Wed 8:30 am to 4:30 pm; Thu 8:30 am to 5 pm; Fri to Sun closed
Hours: NCUA, March 31, 2026
State Employees' Credit Union Credit union · 1
State Employees' Credit Union has 1 office in Granite Falls, 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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Granite Falls145 N Highland Ave, 28630
All hours
Mon to Fri 8:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Woodforest Bank · 1
Woodforest has 1 branch in Granite Falls, 90 across North Carolina 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 0885 Granite Falls Walmart Branch at 4780 Hickory Blvd 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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0885 Granite Falls Walmart Branch4780 Hickory Blvd, 28630
Join a credit union in Granite Falls
2 credit unions have 2 offices here: State Employees' Credit Union and Shuford 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 Granite Falls page has every office in the state's directory.
Banking in Granite Falls: the local picture
Short answer: 4 banks run 4 branches in Granite Falls 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, 0 have their main office in Granite Falls, 1 elsewhere in North Carolina and 3 out of state, according to the FDIC.
The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is First Horizon's office at 23 N Main St, dating to 1906; the newest is Woodforest's at 4780 Hickory Blvd, from 2008.
2 credit unions have 2 offices in Granite Falls, according to the NCUA. Who can join each one is on the credit unions page.
Of the 3 locations with published hours. None open on Saturday. 3 locations have no published hours in these sources.
Saturday hours in Granite Falls
Short answer: None of the 3 Granite Falls locations with published hours lists Saturday hours. 3 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; 3 of the 6 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 Granite Falls, and where the nearest one is if they do not.
Short answer: In Granite Falls: PNC Bank (1). No branches in Granite Falls: Chase (nearest in Mooresville, 34 mi), Wells Fargo (nearest in Hickory, 6 mi), Bank of America (nearest in Hickory, 6 mi), U.S. Bank (nearest in Huntersville, 39 mi), Truist (nearest in Hickory, 6 mi), Fifth Third Bank (nearest in Lincolnton, 24 mi), Huntington (nearest in Charlotte, 51 mi), Regions Bank (nearest in Cornelius, 37 mi), TD Bank (nearest in Morganton, 15 mi), BMO.
| Bank | In Granite Falls | Nearest branch if none here |
|---|---|---|
| PNC Bank | 1 branch | here |
| Chase | None | Mooresville, 34 miles away |
| Wells Fargo | None | Hickory, 6 miles away |
| Bank of America | None | Hickory, 6 miles away |
| U.S. Bank | None | Huntersville, 39 miles away |
| Truist | None | Hickory, 6 miles away |
| Fifth Third Bank | None | Lincolnton, 24 miles away |
| Huntington | None | Charlotte, 51 miles away |
| Regions Bank | None | Cornelius, 37 miles away |
| TD Bank | None | Morganton, 15 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 Granite Falls 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 Granite Falls residents like anyone else.
Banks near Granite Falls
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Hudson (5 miles) and Hickory (7 miles). Hickory, 7 miles away, has the most banks nearby: 11.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Hudson, NC | 5 mi | 2 | 2 |
| Banks in Hickory, NC | 7 mi | 11 | 21 |
| Banks in Lenoir, NC | 10 mi | 6 | 7 |
| Banks in Conover, NC | 13 mi | 3 | 3 |
| Banks in Newton, NC | 14 mi | 5 | 6 |
| Banks in Morganton, NC | 15 mi | 7 | 8 |
| Banks in Taylorsville, NC | 16 mi | 3 | 3 |
| Banks in Hiddenite, NC | 20 mi | 2 | 2 |
Bank branch openings and closings in Granite Falls
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Granite Falls between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Granite Falls by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Granite Falls offices.
Short answer: PNC Bank is the largest bank with offices in Granite Falls, with $609.77 billion in total assets on June 30, 2026, No. 8 among U.S. banks by total assets. First Citizens Bank is second with $236.32 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| First Citizens Bank | $236.32 billion | No. 19 | 1 | Raleigh, NC |
| First Horizon | $84.12 billion | No. 38 | 1 | Memphis, TN |
| Woodforest | $8.98 billion | No. 181 | 1 | The Woodlands, TX |
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 Granite Falls: FAQ
How many banks are in Granite Falls, NC?
Granite Falls has 4 banks with 4 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 Granite Falls?
PNC Bank, with 1. First Citizens Bank has 1 and First Horizon has 1.
Is there a PNC Bank in Granite Falls, NC?
Yes. FDIC data lists 1 PNC Bank branch in Granite Falls as of September 5, 2026. The address and directions are under PNC Bank above.
Is there a First Citizens Bank in Granite Falls, NC?
Yes. FDIC data lists 1 First Citizens Bank branch in Granite Falls as of September 5, 2026. The address and directions are under First Citizens Bank above.
Is there a First Horizon in Granite Falls, NC?
Yes. FDIC data lists 1 First Horizon branch in Granite Falls as of September 5, 2026. The address and directions are under First Horizon above.
Is there a Chase in Granite Falls, NC?
No. FDIC data lists no Chase branch in Granite Falls as of September 5, 2026. The nearest is in Mooresville, about 34 miles away in a straight line.
Which banks in Granite Falls are open on Saturday?
None of the 3 locations with published hours lists Saturday hours. 3 locations do not publish hours in our sources; call ahead.
What is the oldest bank in Granite Falls?
PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.
Which credit unions can I join in Granite Falls?
State Employees' Credit Union and Shuford Credit Union have offices in Granite Falls. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Granite Falls 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 Granite Falls?
Nearby cities with more banks include Hudson, Hickory, Lenoir. Hudson is 5 miles away with 2 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 |
| Bank branch hours, phones and branch pages (1 of 4 branches: First Horizon) | 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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