US Bank Directory
Banks in Hayesville, NC
3 FDIC-insured banks operate 3 offices in Hayesville, 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: Hayesville
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: 4 banks and credit unions operate 4 locations in Hayesville, according to the FDIC and the NCUA. 3 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
3 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 Hayesville
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: First Citizens Bank, United Community and Nantahala Bank have the most locations in Hayesville, with 1 each. 3 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 Hayesville, 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 Hayesville Main Branch at 36 Hwy 64 E dates to 1973 in FDIC branch records. Its published hours do not list Saturday.
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Hayesville Main Branch36 Hwy 64 E, 28904
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
Nantahala Bank Bank · 1
Nantahala Bank has 1 branch in Hayesville, 3 across North Carolina and 3 nationwide. FDIC records list its main office in Franklin, NC and show it operating since 2004. With $288.8 million in total assets on June 30, 2026, it ranks No. 2,539 of 4,232 U.S. banks by total assets. The Hayesville Branch at 102 Hwy 64 E dates to 2005 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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Hayesville Branch102 Hwy 64 E, 28904
State Employees' Credit Union Credit union · 1
State Employees' Credit Union has 1 office in Hayesville, 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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Hayesville235 Hwy 64 E, 28904
All hours
Mon to Fri 8:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
United Community Bank · 1
United Community has 1 branch in Hayesville, 37 across North Carolina and 190 nationwide. FDIC records list its main office in Greenville, SC and show it operating since 1950. With $28.99 billion in total assets on June 30, 2026, it ranks No. 73 of 4,232 U.S. banks by total assets. The Hayesville Branch at 95 Hwy 64 W dates to 1987 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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Hayesville Branch95 Hwy 64 W, 28904
Join a credit union in Hayesville
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 Hayesville page has every office in the state's directory.
Banking in Hayesville: the local picture
Short answer: 3 banks run 3 branches in Hayesville 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 3 banks, 0 have their main office in Hayesville, 2 elsewhere in North Carolina and 1 out of state, according to the FDIC.
The bank with the longest record here is First Citizens Bank, operating since 1898 according to the FDIC. In FDIC branch records, the longest-running branch is First Citizens Bank's office at 36 Hwy 64 E, dating to 1973; the newest is Nantahala Bank's at 102 Hwy 64 E, from 2005.
The only credit union with an office here is State Employees' Credit Union.
Of the 2 locations with published hours. None open on Saturday. 2 locations have no published hours in these sources.
Saturday hours in Hayesville
Short answer: None of the 2 Hayesville 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 4 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 Hayesville, and where the nearest one is if they do not.
Short answer: No branches in Hayesville: Chase (nearest in Asheville, 80 mi), Wells Fargo (nearest in Franklin, 27 mi), Bank of America (nearest in Asheville, 79 mi), PNC Bank (nearest in Murphy, 13 mi), U.S. Bank (nearest in Charlotte, 168 mi), Truist (nearest in Murphy, 14 mi), Fifth Third Bank (nearest in Brevard, 63 mi), Huntington (nearest in Charlotte, 168 mi), Regions Bank (nearest in Highlands, 35 mi), TD Bank (nearest in Asheville, 78 mi), BMO.
| Bank | In Hayesville | Nearest branch if none here |
|---|---|---|
| Chase | None | Asheville, 80 miles away |
| Wells Fargo | None | Franklin, 27 miles away |
| Bank of America | None | Asheville, 79 miles away |
| PNC Bank | None | Murphy, 13 miles away |
| U.S. Bank | None | Charlotte, 168 miles away |
| Truist | None | Murphy, 14 miles away |
| Fifth Third Bank | None | Brevard, 63 miles away |
| Huntington | None | Charlotte, 168 miles away |
| Regions Bank | None | Highlands, 35 miles away |
| TD Bank | None | Asheville, 78 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 Hayesville 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 Hayesville residents like anyone else.
Banks near Hayesville
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Murphy (13 miles) and Robbinsville (20 miles). Franklin, 27 miles away, has the most banks nearby: 6.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Murphy, NC | 13 mi | 5 | 5 |
| Banks in Robbinsville, NC | 20 mi | 2 | 2 |
| Banks in Franklin, NC | 27 mi | 6 | 6 |
| Banks in Bryson City, NC | 34 mi | 2 | 2 |
| Banks in Highlands, NC | 35 mi | 3 | 3 |
| Banks in Sylva, NC | 41 mi | 5 | 5 |
| Banks in Cashiers, NC | 42 mi | 3 | 3 |
| Banks in Waynesville, NC | 56 mi | 6 | 7 |
Bank branch openings and closings in Hayesville
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Hayesville between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Hayesville by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Hayesville offices.
Short answer: First Citizens Bank is the largest bank with offices in Hayesville, with $236.32 billion in total assets on June 30, 2026, No. 19 among U.S. banks by total assets. United Community is second with $28.99 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| First Citizens Bank | $236.32 billion | No. 19 | 1 | Raleigh, NC |
| United Community | $28.99 billion | No. 73 | 1 | Greenville, SC |
| Nantahala Bank | $288.8 million | No. 2,539 | 1 | Franklin, 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 Hayesville: FAQ
How many banks are in Hayesville, NC?
Hayesville has 3 banks with 3 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 Hayesville?
First Citizens Bank, with 1. United Community has 1 and Nantahala Bank has 1.
Is there a First Citizens Bank in Hayesville, NC?
Yes. FDIC data lists 1 First Citizens Bank branch in Hayesville as of September 5, 2026. The address and directions are under First Citizens Bank above.
Is there a United Community in Hayesville, NC?
Yes. FDIC data lists 1 United Community branch in Hayesville as of September 5, 2026. The address and directions are under United Community above.
Is there a Nantahala Bank in Hayesville, NC?
Yes. FDIC data lists 1 Nantahala Bank branch in Hayesville as of September 5, 2026. The address and directions are under Nantahala Bank above.
Is there a Chase in Hayesville, NC?
No. FDIC data lists no Chase branch in Hayesville as of September 5, 2026. The nearest is in Asheville, about 80 miles away in a straight line.
Which banks in Hayesville are open on Saturday?
None of the 2 locations with published hours lists Saturday hours. 2 locations do not publish hours in our sources; call ahead.
What is the oldest bank in Hayesville?
First Citizens Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1898.
Which credit unions can I join in Hayesville?
State Employees' Credit Union has an office in Hayesville. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Hayesville 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 Hayesville?
Nearby cities with more banks include Murphy, Robbinsville, Franklin. Murphy is 13 miles away with 5 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 |
| Bank branch hours, phones and branch pages (1 of 3 branches: 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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