US Bank Directory
Banks in Murphy, NC
5 FDIC-insured banks operate 5 offices in Murphy, 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: Murphy
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: 7 banks and credit unions operate 7 locations in Murphy, according to the FDIC and the NCUA. 7 of them have coordinates on record and are on the map. 5 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
7 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 Murphy
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 Murphy, 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.
Civic Credit Union Credit union · 1
Civic Credit Union has 1 office in Murphy, 12 across North Carolina. It is based in Raleigh, NC and $3.19 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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Murphy57 Valley River Ave, 28906
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
First Citizens Bank Bank · 1
First Citizens Bank has 1 branch in Murphy, 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 Murphy Branch at 22 Hiwassee St dates to 1989 in FDIC branch records. Its published hours do not list Saturday.
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Murphy Branch22 Hiwassee St, 28906
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 Murphy, 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 Murphy Branch at 86 Hiwassee St dates to 2007 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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Murphy Branch86 Hiwassee St, 28906
PNC Bank Bank · 1
PNC Bank has 1 branch in Murphy, 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 Murphy Main Branch at 50 Peachtree St dates to 1935 in FDIC branch records. Its published hours do not list Saturday.
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Murphy Main Branch50 Peachtree St, 28906
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
State Employees' Credit Union Credit union · 1
State Employees' Credit Union has 1 office in Murphy, 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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Murphy1297 Andrews Rd, 28906
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 Murphy, 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 Murphy Branch at 1911 W Us Highway 64 dates to 1997 in FDIC branch records. Its published hours do not list Saturday.
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Murphy Branch1911 W Us Highway 64, 28906
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 Community Bank · 1
United Community has 1 branch in Murphy, 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 United Community Bank -Murphy Branch at 116 Peachtree St dates to 1983 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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United Community Bank -Murphy Branch116 Peachtree St, 28906
Join a credit union in Murphy
2 credit unions have 2 offices here: State Employees' Credit Union and Civic 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 Murphy page has every office in the state's directory.
Banking in Murphy: the local picture
Short answer: 5 banks run 5 branches in Murphy 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 Murphy, 3 elsewhere in North Carolina and 2 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 PNC Bank's office at 50 Peachtree St, dating to 1935; the newest is Nantahala Bank's at 86 Hiwassee St, from 2007.
2 credit unions have 2 offices in Murphy, according to the NCUA. Who can join each one is on the credit unions page.
Of the 5 locations with published hours. None open on Saturday. 2 locations have no published hours in these sources.
Saturday hours in Murphy
Short answer: None of the 5 Murphy 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 7 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 Murphy, and where the nearest one is if they do not.
Short answer: In Murphy: PNC Bank (1), Truist (1). No branches in Murphy: Chase (nearest in Asheville, 90 mi), Wells Fargo (nearest in Franklin, 38 mi), Bank of America (nearest in Asheville, 89 mi), U.S. Bank (nearest in Charlotte, 180 mi), Fifth Third Bank (nearest in Brevard, 75 mi), Huntington (nearest in Charlotte, 180 mi), Regions Bank (nearest in Highlands, 47 mi), TD Bank (nearest in Asheville, 87 mi), BMO.
| Bank | In Murphy | Nearest branch if none here |
|---|---|---|
| PNC Bank | 1 branch | here |
| Truist | 1 branch | here |
| Chase | None | Asheville, 90 miles away |
| Wells Fargo | None | Franklin, 38 miles away |
| Bank of America | None | Asheville, 89 miles away |
| U.S. Bank | None | Charlotte, 180 miles away |
| Fifth Third Bank | None | Brevard, 75 miles away |
| Huntington | None | Charlotte, 180 miles away |
| Regions Bank | None | Highlands, 47 miles away |
| TD Bank | None | Asheville, 87 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 Murphy 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 Murphy residents like anyone else.
Banks near Murphy
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Hayesville (13 miles) and Robbinsville (21 miles). Franklin, 38 miles away, has the most banks nearby: 6.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Hayesville, NC | 13 mi | 3 | 3 |
| Banks in Robbinsville, NC | 21 mi | 2 | 2 |
| Banks in Franklin, NC | 38 mi | 6 | 6 |
| Banks in Bryson City, NC | 41 mi | 2 | 2 |
| Banks in Highlands, NC | 48 mi | 3 | 3 |
| Banks in Sylva, NC | 50 mi | 5 | 5 |
| Banks in Cashiers, NC | 54 mi | 3 | 3 |
| Banks in Waynesville, NC | 65 mi | 6 | 7 |
Bank branch openings and closings in Murphy
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Murphy between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Murphy by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Murphy offices.
Short answer: PNC Bank is the largest bank with offices in Murphy, with $609.77 billion in total assets on June 30, 2026, No. 8 among U.S. banks by total assets. Truist is second with $548.35 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 |
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| 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 Murphy: FAQ
How many banks are in Murphy, NC?
Murphy has 5 banks with 5 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 Murphy?
PNC Bank, with 1. Truist has 1 and First Citizens Bank has 1.
Is there a PNC Bank in Murphy, NC?
Yes. FDIC data lists 1 PNC Bank branch in Murphy as of September 5, 2026. The address and directions are under PNC Bank above.
Is there a Truist in Murphy, NC?
Yes. FDIC data lists 1 Truist branch in Murphy as of September 5, 2026. The address and directions are under Truist above.
Is there a First Citizens Bank in Murphy, NC?
Yes. FDIC data lists 1 First Citizens Bank branch in Murphy as of September 5, 2026. The address and directions are under First Citizens Bank above.
Is there a Chase in Murphy, NC?
No. FDIC data lists no Chase branch in Murphy as of September 5, 2026. The nearest is in Asheville, about 90 miles away in a straight line.
Which banks in Murphy are open on Saturday?
None of the 5 locations with published hours lists Saturday hours. 2 locations do not publish hours in our sources; call ahead.
What is the oldest bank in Murphy?
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 Murphy?
State Employees' Credit Union and Civic Credit Union have offices in Murphy. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Murphy 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 Murphy?
Nearby cities with more banks include Hayesville, Robbinsville, Franklin. Hayesville is 13 miles away with 3 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 (3 of 5 branches: First Citizens Bank, PNC Bank, Truist) | 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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