US Bank Directory
Banks in Morganton, NC
7 FDIC-insured banks operate 8 offices in Morganton, North Carolina, and 4 credit unions have 5 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: Morganton
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 13 locations in Morganton, according to the FDIC and the NCUA. 13 of them have coordinates on record and are on the map. 12 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
13 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 Morganton
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Wells Fargo has the most locations in Morganton, with 2. The other 6 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.
State Employees' Credit Union Credit union · 2
State Employees' Credit Union has 2 officees in Morganton, 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. None of its 2 Morganton locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Morganton - Carbon City Road130 Carbon City Rd, 28655
All hours
Mon to Fri 8:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Morganton - Enola Road221 Enola Rd, 28655
All hours
Mon to Fri 8:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Wells Fargo Bank · 2
Wells Fargo has 2 branches in Morganton, 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. In FDIC branch records, its longest-running Morganton location is the Morganton Main Branch at 101 W Union St, dating to 1967; the newest, at 801 S Sterling St, to 1970. 1 of its 2 Morganton locations with published hours open on Saturday.
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Morganton Main Branch101 W Union St, 28655
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
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Morganton Plaza Branch801 S Sterling St, 28655
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Bank of America Bank · 1
Bank of America has 1 branch in Morganton, 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 Morganton Branch at 100 N Green St dates to 1967 in FDIC branch records. Its published hours do not list Saturday.
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Morganton Branch100 N Green St, 28655
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
First Citizens Bank Bank · 1
First Citizens Bank has 1 branch in Morganton, 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 Morganton Branch at 217 N Sterling St dates to 1991 in FDIC branch records. Its published hours do not list Saturday.
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Morganton Branch217 N Sterling St, 28655
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
First Horizon Bank · 1
First Horizon has 1 branch in Morganton, 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 Morganton Office at 201 E Meeting St dates to 1989 in FDIC branch records. Its published hours do not list Saturday.
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Morganton Office201 E Meeting St, 28655
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: First Horizon branch locator (All The Places), checked Oct 10, 2026
Members Credit Union Credit union · 1
Members Credit Union has 1 office in Morganton, 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 - Morganton121 Wamsutta Mill Rd, 28655
All hours
Mon to Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Morganton Savings Bank, S.S.B. Bank · 1
Morganton Savings Bank, S.S.B. has 1 branch in Morganton, 1 across North Carolina and 1 nationwide. FDIC records list its main office in Morganton, NC and show it operating since 1903. With $114.5 million in total assets on June 30, 2026, it ranks No. 3,593 of 4,232 U.S. banks by total assets. Its main office at 100 S King St dates to 1903 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 office100 S King St, 28655
Self-help Credit Union Credit union · 1
Self-help Credit Union has 1 office in Morganton, 25 across North Carolina. It is based in Durham, NC and $2.15 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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Morganton204 Carbon City Rd, 28655
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
TD Bank Bank · 1
TD Bank has 1 branch in Morganton, 16 across North Carolina and 1,051 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1852. With $342.80 billion in total assets on June 30, 2026, it ranks No. 13 of 4,232 U.S. banks by total assets. The Morganton Branch at 401 S Sterling St dates to 2002 in FDIC branch records. It opens on Saturday.
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Morganton Branch401 S Sterling St, 28655
All hours
Mon to Wed 9 am to 5 pm; Thu to Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun closed
Hours: TD Bank branch locator (All The Places), checked Oct 10, 2026
Telco Community Credit Union Credit union · 1
Telco Community Credit Union has 1 office in Morganton, 13 across North Carolina. It is based in Candler, NC and $424.5 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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Morganton Office127 W Parker Rd, 28655
All hours
Mon to Thu 8:30 am to 5:30 pm; Fri 8:30 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Truist Bank · 1
Truist has 1 branch in Morganton, 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 Morganton Branch at 105 Avery Ave dates to 1933 in FDIC branch records. Its published hours do not list Saturday.
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Morganton Branch105 Avery Ave, 28655
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
Join a credit union in Morganton
4 credit unions have 5 offices here: State Employees' Credit Union, Self-help Credit Union, Members Credit Union and Telco Community 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 Morganton page has every office in the state's directory.
Banking in Morganton: the local picture
Short answer: 7 banks run 8 branches in Morganton 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 7 banks, 1 has its main office in Morganton, 3 elsewhere in North Carolina and 3 out of state, according to the FDIC.
The bank with the longest record here is TD Bank, operating since 1852 according to the FDIC. In FDIC branch records, the longest-running branch is Morganton Savings Bank, S.S.B.'s office at 100 S King St, dating to 1903; the newest is TD Bank's at 401 S Sterling St, from 2002.
4 credit unions have 5 offices in Morganton, according to the NCUA. Who can join each one is on the credit unions page.
Of the 12 locations with published hours. 2 open on Saturday. 1 location has no published hours in these sources.
Banks open on Saturday in Morganton
Short answer: 2 of the 12 Morganton locations with published hours open on Saturday, run by 2 institutions.
- Wells Fargo: 1 of 2 branches (801 S Sterling St: Saturday 9 am to 2 pm)
- TD Bank: 1 of 1 branch (401 S Sterling 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; 1 of the 13 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 Morganton, and where the nearest one is if they do not.
Short answer: In Morganton: Wells Fargo (2), Bank of America (1), Truist (1), TD Bank (1). No branches in Morganton: Chase (nearest in Gastonia, 46 mi), PNC Bank (nearest in Granite Falls, 14 mi), U.S. Bank (nearest in Huntersville, 50 mi), Fifth Third Bank (nearest in Banner Elk, 30 mi), Huntington (nearest in Charlotte, 59 mi), Regions Bank (nearest in Cornelius, 48 mi), BMO.
| Bank | In Morganton | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 2 branches | here |
| Bank of America | 1 branch | here |
| Truist | 1 branch | here |
| TD Bank | 1 branch | here |
| Chase | None | Gastonia, 46 miles away |
| PNC Bank | None | Granite Falls, 14 miles away |
| U.S. Bank | None | Huntersville, 50 miles away |
| Fifth Third Bank | None | Banner Elk, 30 miles away |
| Huntington | None | Charlotte, 59 miles away |
| Regions Bank | None | Cornelius, 48 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 Morganton 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 Morganton residents like anyone else.
Banks near Morganton
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 (13 miles) and Lenoir (15 miles). Hickory, 20 miles away, has the most banks nearby: 11.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Hudson, NC | 13 mi | 2 | 2 |
| Banks in Lenoir, NC | 15 mi | 6 | 7 |
| Banks in Granite Falls, NC | 15 mi | 4 | 4 |
| Banks in Marion, NC | 19 mi | 3 | 3 |
| Banks in Hickory, NC | 20 mi | 11 | 21 |
| Banks in Newton, NC | 26 mi | 5 | 6 |
| Banks in Conover, NC | 26 mi | 3 | 3 |
| Banks in Newland, NC | 27 mi | 3 | 3 |
Bank branch openings and closings in Morganton
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Morganton 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 Morganton
Short answer: 1 institution has its main office in Morganton: Morganton Savings Bank, S.S.B..
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Morganton Savings Bank, S.S.B. | Bank | $114.5 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Morganton by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Morganton offices.
Short answer: Bank of America is the largest bank with offices in Morganton, with $2.65 trillion in total assets on June 30, 2026, No. 2 among U.S. banks by total assets. Wells Fargo is second with $1.91 trillion. 1 of the 7 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 |
| Wells Fargo | $1.91 trillion | No. 4 | 2 | Sioux Falls, SD |
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| TD Bank | $342.80 billion | No. 13 | 1 | Wilmington, DE |
| First Citizens Bank | $236.32 billion | No. 19 | 1 | Raleigh, NC |
| First Horizon | $84.12 billion | No. 38 | 1 | Memphis, TN |
| Morganton Savings Bank, S.S.B. | $114.5 million | No. 3,593 | 1 | Morganton, 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 Morganton: FAQ
How many banks are in Morganton, NC?
Morganton has 7 banks with 8 branches and 4 credit unions with 5 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 Morganton?
Wells Fargo, with 2. Bank of America has 1 and Truist has 1.
Is there a Wells Fargo in Morganton, NC?
Yes. FDIC data lists 2 Wells Fargo branches in Morganton as of September 5, 2026. Its branches are listed under Wells Fargo above, with the address and directions for each.
Is there a Bank of America in Morganton, NC?
Yes. FDIC data lists 1 Bank of America branch in Morganton as of September 5, 2026. The address and directions are under Bank of America above.
Is there a Truist in Morganton, NC?
Yes. FDIC data lists 1 Truist branch in Morganton as of September 5, 2026. The address and directions are under Truist above.
Is there a Chase in Morganton, NC?
No. FDIC data lists no Chase branch in Morganton as of September 5, 2026. The nearest is in Gastonia, about 46 miles away in a straight line.
Which banks in Morganton are open on Saturday?
Wells Fargo and TD Bank publish Saturday hours for one or more Morganton locations. The Saturday section above lists each one with its hours. 1 of the 13 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Morganton?
Morganton Savings Bank, S.S.B. has its main office in Morganton, according to the FDIC.
What is the oldest bank in Morganton?
TD Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1852.
Which credit unions can I join in Morganton?
State Employees' Credit Union, Self-help Credit Union, Members Credit Union and Telco Community Credit Union have offices in Morganton. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Morganton 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 Morganton?
Nearby cities with more banks include Hudson, Lenoir, Granite Falls. Hudson is 13 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 5 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 (7 of 8 branches: Bank of America, First Citizens Bank, First Horizon, TD Bank, Truist, Wells Fargo) | 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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