US Bank Directory
Banks in Ocean Isle Beach, NC
3 FDIC-insured banks operate 3 offices in Ocean Isle Beach, 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: Ocean Isle Beach
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 Ocean Isle Beach, according to the FDIC and the NCUA. 4 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
4 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 Ocean Isle Beach
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Truist, First Bank and Coastal Carolina National Bank have the most locations in Ocean Isle Beach, 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.
Coastal Carolina National Bank Bank · 1
Coastal Carolina National Bank has 1 branch in Ocean Isle Beach, 1 across North Carolina and 10 nationwide. FDIC records list its main office in Myrtle Beach, SC and show it operating since 2009. With $1.35 billion in total assets on June 30, 2026, it ranks No. 819 of 4,232 U.S. banks by total assets. The Ocean Isle Beach Branch at 6649 Beach Drive dates to 2024 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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Ocean Isle Beach Branch6649 Beach Drive, 28469
First Bank Bank · 1
First Bank has 1 branch in Ocean Isle Beach, 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 079 Ocean Isle at 6303 Beach Dr Sw 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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079 Ocean Isle6303 Beach Dr Sw, 28469
State Employees' Credit Union Credit union · 1
State Employees' Credit Union has 1 office in Ocean Isle Beach, 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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Ocean Isle923 Seaside Rd Sw, 28469
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 Ocean Isle Beach, 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 Ocean Isle Beach Branch at 127 Causeway Dr dates to 1984 in FDIC branch records. Its published hours do not list Saturday.
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Ocean Isle Beach Branch127 Causeway Dr, 28469
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 Ocean Isle Beach
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 Ocean Isle Beach page has every office in the state's directory.
Banking in Ocean Isle Beach: the local picture
Short answer: 3 banks run 3 branches in Ocean Isle Beach 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 Ocean Isle Beach, 2 elsewhere in North Carolina and 1 out of state, according to the FDIC.
The bank with the longest record here is Truist, operating since 1872 according to the FDIC. In FDIC branch records, the longest-running branch is Truist's office at 127 Causeway Dr, dating to 1984; the newest is Coastal Carolina National Bank's at 6649 Beach Drive, from 2024.
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 Ocean Isle Beach
Short answer: None of the 2 Ocean Isle Beach 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 Ocean Isle Beach, and where the nearest one is if they do not.
Short answer: In Ocean Isle Beach: Truist (1). No branches in Ocean Isle Beach: Chase (nearest in Hampstead, 55 mi), Wells Fargo (nearest in Leland, 33 mi), Bank of America (nearest in Sunset Beach, 2 mi), PNC Bank (nearest in Calabash, 8 mi), U.S. Bank (nearest in Charlotte, 156 mi), Fifth Third Bank (nearest in Wilmington, 36 mi), Huntington (nearest in Raleigh, 134 mi), Regions Bank (nearest in Raleigh, 134 mi), TD Bank (nearest in Leland, 32 mi), BMO.
| Bank | In Ocean Isle Beach | Nearest branch if none here |
|---|---|---|
| Truist | 1 branch | here |
| Chase | None | Hampstead, 55 miles away |
| Wells Fargo | None | Leland, 33 miles away |
| Bank of America | None | Sunset Beach, 2 miles away |
| PNC Bank | None | Calabash, 8 miles away |
| U.S. Bank | None | Charlotte, 156 miles away |
| Fifth Third Bank | None | Wilmington, 36 miles away |
| Huntington | None | Raleigh, 134 miles away |
| Regions Bank | None | Raleigh, 134 miles away |
| TD Bank | None | Leland, 32 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 Ocean Isle Beach 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 Ocean Isle Beach residents like anyone else.
Banks near Ocean Isle Beach
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Sunset Beach (2 miles) and Shallotte (6 miles). Southport, 24 miles away, has the most banks nearby: 8.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Sunset Beach, NC | 2 mi | 3 | 3 |
| Banks in Shallotte, NC | 6 mi | 5 | 5 |
| Banks in Calabash, NC | 7 mi | 3 | 3 |
| Banks in Supply, NC | 10 mi | 2 | 2 |
| Banks in Oak Island, NC | 21 mi | 2 | 2 |
| Banks in Southport, NC | 24 mi | 8 | 8 |
| Banks in Tabor City, NC | 30 mi | 3 | 3 |
| Banks in Leland, NC | 33 mi | 5 | 6 |
Bank branch openings and closings in Ocean Isle Beach
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Ocean Isle Beach between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Ocean Isle Beach by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Ocean Isle Beach offices.
Short answer: Truist is the largest bank with offices in Ocean Isle Beach, with $548.35 billion in total assets on June 30, 2026, No. 9 among U.S. banks by total assets. First Bank is second with $13.03 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| First Bank | $13.03 billion | No. 138 | 1 | Southern Pines, NC |
| Coastal Carolina National Bank | $1.35 billion | No. 819 | 1 | Myrtle Beach, SC |
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 Ocean Isle Beach: FAQ
How many banks are in Ocean Isle Beach, NC?
Ocean Isle Beach 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 Ocean Isle Beach?
Truist, with 1. First Bank has 1 and Coastal Carolina National Bank has 1.
Is there a Truist in Ocean Isle Beach, NC?
Yes. FDIC data lists 1 Truist branch in Ocean Isle Beach as of September 5, 2026. The address and directions are under Truist above.
Is there a First Bank in Ocean Isle Beach, NC?
Yes. FDIC data lists 1 First Bank branch in Ocean Isle Beach as of September 5, 2026. The address and directions are under First Bank above.
Is there a Coastal Carolina National Bank in Ocean Isle Beach, NC?
Yes. FDIC data lists 1 Coastal Carolina National Bank branch in Ocean Isle Beach as of September 5, 2026. The address and directions are under Coastal Carolina National Bank above.
Is there a Chase in Ocean Isle Beach, NC?
No. FDIC data lists no Chase branch in Ocean Isle Beach as of September 5, 2026. The nearest is in Hampstead, about 55 miles away in a straight line.
Which banks in Ocean Isle Beach 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 Ocean Isle Beach?
Truist has the longest record among banks with a branch here: the FDIC shows it operating since 1872.
Which credit unions can I join in Ocean Isle Beach?
State Employees' Credit Union has an office in Ocean Isle Beach. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Ocean Isle Beach 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 Ocean Isle Beach?
Nearby cities with more banks include Sunset Beach, Shallotte, Calabash. Sunset Beach is 2 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 1 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 (1 of 3 branches: 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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