US Bank Directory
Banks in Lincolnton, NC
9 FDIC-insured banks operate 10 offices in Lincolnton, 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: Lincolnton
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: 11 banks and credit unions operate 12 locations in Lincolnton, according to the FDIC and the NCUA. 12 of them have coordinates on record and are on the map. 8 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
12 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 Lincolnton
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: First Federal Savings Bank of Lincolnton has the most locations in Lincolnton, with 2. The other 8 each 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 Federal Savings Bank of Lincolnton Bank · 2
First Federal Savings Bank of Lincolnton has 2 branches in Lincolnton, 4 across North Carolina and 4 nationwide. FDIC records list its main office in Lincolnton, NC and show it operating since 1940. With $485.8 million in total assets on June 30, 2026, it ranks No. 1,832 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Lincolnton location is its main office at 320 E Main St, dating to 1940; the newest, at 2763 E Highway 27, to 2002. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office320 E Main St, 28092
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Boger City Branch2763 E Highway 27, 28092
Bank of America Bank · 1
Bank of America has 1 branch in Lincolnton, 109 across North Carolina and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. The Lincolnton Main Branch at 213 S Aspen St dates to 2001 in FDIC branch records. Its published hours do not list Saturday.
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Lincolnton Main Branch213 S Aspen St, 28092
All hours
Mon closed; Tue to Fri 9 am to 4 pm; Sat to Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Bank OZK Bank · 1
Bank OZK has 1 branch in Lincolnton, 28 across North Carolina and 272 nationwide. FDIC records list its main office in Little Rock, AR and show it operating since 1903. With $41.70 billion in total assets on June 30, 2026, it ranks No. 57 of 4,232 U.S. banks by total assets. The Lincolnton Branch at 2317 E Main St dates to 2008 in FDIC branch records. Its published hours do not list Saturday.
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Lincolnton Branch2317 E Main St, 28092
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Bank OZK branch locator (All The Places), checked Oct 10, 2026
Commercial Bank Bank · 1
Commercial Bank has 1 branch in Lincolnton, 5 across North Carolina and 40 nationwide. FDIC records list its main office in Harrogate, TN and show it operating since 1976. With $2.36 billion in total assets on June 30, 2026, it ranks No. 528 of 4,232 U.S. banks by total assets. The Lincolnton Lpo Branch at 226 E Main St dates to 2022 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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Lincolnton Lpo Branch226 E Main St, 28092
Fifth Third Bank Bank · 1
Fifth Third Bank has 1 branch in Lincolnton, 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 Lincolnton Main at 402 E Main St dates to 1983 in FDIC branch records. It opens on Saturday.
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Lincolnton Main402 E Main St, 28092
All hours
Mon closed; Tue to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
First Citizens Bank Bank · 1
First Citizens Bank has 1 branch in Lincolnton, 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 Lincolnton Main Office Branch at 425 E Main St dates to 1984 in FDIC branch records. Its published hours do not list Saturday.
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Lincolnton Main Office Branch425 E Main St, 28092
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
Members Credit Union Credit union · 1
Members Credit Union has 1 office in Lincolnton, 18 across North Carolina. It is based in Winston Salem, NC and $481.8 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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Members Credit Union - Lincolnton1822 N Aspen St, 28092
All hours
Mon to Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Peoples Bank Bank · 1
Peoples Bank has 1 branch in Lincolnton, 16 across North Carolina and 16 nationwide. FDIC records list its main office in Newton, NC and show it operating since 1912. With $1.76 billion in total assets on June 30, 2026, it ranks No. 654 of 4,232 U.S. banks by total assets. The Lincolnton Branch at 1910 E Main St dates to 2001 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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Lincolnton Branch1910 E Main St, 28092
State Employees' Credit Union Credit union · 1
State Employees' Credit Union has 1 office in Lincolnton, 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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Lincolnton110 Sigmon Rd, 28092
All hours
Mon to Fri 8:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Truist Bank · 1
Truist has 1 branch in Lincolnton, 277 across North Carolina 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 Lincolnton Branch at 813 E Main St dates to 1986 in FDIC branch records. Its published hours do not list Saturday.
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Lincolnton Branch813 E Main St, 28092
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
United Bank Bank · 1
United Bank has 1 branch in Lincolnton, 43 across North Carolina and 237 nationwide. FDIC records list its main office in Fairfax, VA and show it operating since 1979. With $33.64 billion in total assets on June 30, 2026, it ranks No. 65 of 4,232 U.S. banks by total assets. The Lincoln Main Branch at 901 E Main St dates to 2000 in FDIC branch records. Its published hours do not list Saturday.
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Lincoln Main Branch901 E Main St, 28092
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: United Bank branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Lincolnton
2 credit unions have 2 offices here: State Employees' Credit Union and Members 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 Lincolnton page has every office in the state's directory.
Banking in Lincolnton: the local picture
Short answer: 9 banks run 10 branches in Lincolnton 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 Lincolnton, 4 elsewhere in North Carolina and 4 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 First Federal Savings Bank of Lincolnton's office at 320 E Main St, dating to 1940; the newest is Commercial Bank's at 226 E Main St, from 2022.
2 credit unions have 2 offices in Lincolnton, according to the NCUA. Who can join each one is on the credit unions page.
Of the 8 locations with published hours. 1 opens on Saturday. 4 locations have no published hours in these sources.
Banks open on Saturday in Lincolnton
Short answer: 1 of the 8 Lincolnton locations with published hours opens on Saturday, run by 1 institution.
- Fifth Third Bank: 1 of 1 branch (402 E Main St: Saturday 9 am to 1 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; 4 of the 12 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 Lincolnton, and where the nearest one is if they do not.
Short answer: In Lincolnton: Bank of America (1), Truist (1), Fifth Third Bank (1). No branches in Lincolnton: Chase (nearest in Gastonia, 16 mi), Wells Fargo (nearest in Newton, 13 mi), PNC Bank (nearest in Gastonia, 16 mi), U.S. Bank (nearest in Huntersville, 21 mi), Huntington (nearest in Charlotte, 28 mi), Regions Bank (nearest in Cornelius, 20 mi), TD Bank (nearest in Charlotte, 26 mi), BMO.
| Bank | In Lincolnton | Nearest branch if none here |
|---|---|---|
| Bank of America | 1 branch | here |
| Truist | 1 branch | here |
| Fifth Third Bank | 1 branch | here |
| Chase | None | Gastonia, 16 miles away |
| Wells Fargo | None | Newton, 13 miles away |
| PNC Bank | None | Gastonia, 16 miles away |
| U.S. Bank | None | Huntersville, 21 miles away |
| Huntington | None | Charlotte, 28 miles away |
| Regions Bank | None | Cornelius, 20 miles away |
| TD Bank | None | Charlotte, 26 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 Lincolnton 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 Lincolnton residents like anyone else.
Banks near Lincolnton
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Maiden (9 miles) and Cherryville (9 miles). Gastonia, 16 miles away, has the most banks nearby: 12.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Maiden, NC | 9 mi | 2 | 2 |
| Banks in Cherryville, NC | 9 mi | 3 | 3 |
| Banks in Dallas, NC | 11 mi | 3 | 3 |
| Banks in Denver, NC | 13 mi | 9 | 10 |
| Banks in Newton, NC | 13 mi | 5 | 6 |
| Banks in Gastonia, NC | 16 mi | 12 | 20 |
| Banks in Conover, NC | 17 mi | 3 | 3 |
| Banks in Kings Mountain, NC | 17 mi | 3 | 3 |
Bank branch openings and closings in Lincolnton
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Lincolnton 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 Lincolnton
Short answer: 1 institution has its main office in Lincolnton: First Federal Savings Bank of Lincolnton.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| First Federal Savings Bank of Lincolnton | Bank | $485.8 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Lincolnton by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Lincolnton offices.
Short answer: Bank of America is the largest bank with offices in Lincolnton, with $2.65 trillion in total assets on June 30, 2026, No. 2 among U.S. banks by total assets. Truist is second with $548.35 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 |
|---|---|---|---|---|
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| Fifth Third Bank | $299.18 billion | No. 14 | 1 | Cincinnati, OH |
| First Citizens Bank | $236.32 billion | No. 19 | 1 | Raleigh, NC |
| Bank OZK | $41.70 billion | No. 57 | 1 | Little Rock, AR |
| United Bank | $33.64 billion | No. 65 | 1 | Fairfax, VA |
| Commercial Bank | $2.36 billion | No. 528 | 1 | Harrogate, TN |
| Peoples Bank | $1.76 billion | No. 654 | 1 | Newton, NC |
| First Federal Savings Bank of Lincolnton | $485.8 million | No. 1,832 | 2 | Lincolnton, 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 Lincolnton: FAQ
How many banks are in Lincolnton, NC?
Lincolnton has 9 banks with 10 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 Lincolnton?
First Federal Savings Bank of Lincolnton, with 2. Bank of America has 1 and Truist has 1.
Is there a Bank of America in Lincolnton, NC?
Yes. FDIC data lists 1 Bank of America branch in Lincolnton as of September 5, 2026. The address and directions are under Bank of America above.
Is there a Truist in Lincolnton, NC?
Yes. FDIC data lists 1 Truist branch in Lincolnton as of September 5, 2026. The address and directions are under Truist above.
Is there a Chase in Lincolnton, NC?
No. FDIC data lists no Chase branch in Lincolnton as of September 5, 2026. The nearest is in Gastonia, about 16 miles away in a straight line.
Which banks in Lincolnton are open on Saturday?
Fifth Third Bank publishes Saturday hours for one or more Lincolnton locations. The Saturday section above lists each one with its hours. 4 of the 12 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Lincolnton?
First Federal Savings Bank of Lincolnton has its main office in Lincolnton, according to the FDIC.
What is the oldest bank in Lincolnton?
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 Lincolnton?
State Employees' Credit Union and Members Credit Union have offices in Lincolnton. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Lincolnton 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 Lincolnton?
Nearby cities with more banks include Maiden, Cherryville, Dallas. Maiden is 9 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 (6 of 10 branches: Bank OZK, Bank of America, Fifth Third Bank, First Citizens Bank, Truist, United 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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