Banks in Locust, NC

Bank branch map: Locust

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 Locust, according to the FDIC and the NCUA. 5 of them have coordinates on record and are on the map. 2 publish opening hours.

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 Locust

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 Locust, with 1 each. 5 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 Bank 1 branch · main office Southern Pines, NC Bank · 1

First Bank has 1 branch in Locust, 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 010 Locust at 114 Main St W dates to 1960 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• 010 Locust

  114 Main St W, 28097

  Hours: see the bank's site
  DirectionsWebsite

First Bank: profile, branches and contacts

Pinnacle Bank 1 branch · main office Nashville, TN Bank · 1

Pinnacle Bank has 1 branch in Locust, 53 across North Carolina and 429 nationwide. FDIC records list its main office in Nashville, TN and show it operating since 2000. With $128.79 billion in total assets on June 30, 2026, it ranks No. 28 of 4,232 U.S. banks by total assets. The Locust Branch at 102 South Street dates to 1911 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Locust Branch

  102 South Street, 28097

  Hours: see the bank's site
  DirectionsWebsite

Pinnacle Bank: profile, branches and contacts

State Employees' Credit Union 1 office · main office Raleigh, NC Credit union · 1

State Employees' Credit Union has 1 office in Locust, 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.

• Locust

  11605 Redbridge Blvd, 28097

  (704) 269-3339Today 8:30 am to 5:30 pm

  All hours

  Mon to Fri 8:30 am to 5:30 pm; Sat to Sun not published

  Hours: NCUA, March 31, 2026

State Employees' Credit Union: profile, branches and contacts

Uwharrie Bank 1 branch · main office Albemarle, NC Bank · 1

Uwharrie Bank has 1 branch in Locust, 10 across North Carolina and 10 nationwide. FDIC records list its main office in Albemarle, NC and show it operating since 1984. With $1.22 billion in total assets on June 30, 2026, it ranks No. 882 of 4,232 U.S. banks by total assets. The West Stanly Branch at 416 Main St W dates to 2007 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• West Stanly Branch

  416 Main St W, 28097

  Hours: see the bank's site
  DirectionsWebsite

Uwharrie Bank: profile, branches and contacts

Wells Fargo Wells Fargo Bank, National Association · 1 branch · main office Sioux Falls, SD Bank · 1

Wells Fargo has 1 branch in Locust, 219 across North Carolina and 4,161 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1870. With $1.91 trillion in total assets on June 30, 2026, it ranks No. 4 of 4,232 U.S. banks by total assets. The West Stanly Branch at 215 Main St W dates to 1987 in FDIC branch records. Its published hours do not list Saturday.

• West Stanly Branch

  215 Main St W, 28097

  (704) 888-5251Today 9 am to 5 pm

  All hours

  Mon to Fri 9 am to 5 pm; Sat to Sun not published

  Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026

  DirectionsBranch page

Wells Fargo: profile, branches and contacts

Woodforest Woodforest National Bank · 1 branch · main office The Woodlands, TX Bank · 1

Woodforest has 1 branch in Locust, 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 0691 Locust North Carolina Branch at 1876 Main St W dates to 2009 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• 0691 Locust North Carolina Branch

  1876 Main St W, 28097

  Hours: see the bank's site
  DirectionsWebsite

Woodforest: profile, branches and contacts

Join a credit union in Locust

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 Locust page has every office in the state's directory.

Banking in Locust: the local picture

Short answer: 5 banks run 5 branches in Locust 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 5 banks, 0 have their main office in Locust, 2 elsewhere in North Carolina and 3 out of state, according to the FDIC.

The bank with the longest record here is Wells Fargo, operating since 1870 according to the FDIC. In FDIC branch records, the longest-running branch is Pinnacle Bank's office at 102 South Street, dating to 1911; the newest is Woodforest's at 1876 Main St W, from 2009.

The only credit union with an office here is State Employees' Credit Union.

Of the 2 locations with published hours. None open on Saturday. 4 locations have no published hours in these sources.

Saturday hours in Locust

Short answer: None of the 2 Locust locations with published hours lists Saturday hours. 4 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; 4 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 Locust, and where the nearest one is if they do not.

Short answer: In Locust: Wells Fargo (1). No branches in Locust: Chase (nearest in Mint Hill, 12 mi), Bank of America (nearest in Charlotte, 14 mi), PNC Bank (nearest in Charlotte, 18 mi), U.S. Bank (nearest in Charlotte, 18 mi), Truist (nearest in Concord, 13 mi), Fifth Third Bank (nearest in Midland, 4 mi), Huntington (nearest in Charlotte, 24 mi), Regions Bank (nearest in Charlotte, 23 mi), TD Bank (nearest in Charlotte, 19 mi), BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Locust 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%.

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 Locust residents like anyone else.

Banks near Locust

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 Pleasant (10 miles) and Harrisburg (13 miles). Concord, 16 miles away, has the most banks nearby: 11.

Bank branch openings and closings in Locust

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Locust between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Locust by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Locust offices.

Short answer: Wells Fargo is the largest bank with offices in Locust, with $1.91 trillion in total assets on June 30, 2026, No. 4 among U.S. banks by total assets. Pinnacle Bank is second with $128.79 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

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 Locust: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.