US Bank Directory
Banks in Shelby, NC
9 FDIC-insured banks operate 12 offices in Shelby, North Carolina, and 3 credit unions have 4 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: Shelby
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: 12 banks and credit unions operate 16 locations in Shelby, according to the FDIC and the NCUA. 16 of them have coordinates on record and are on the map. 12 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
16 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 Shelby
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Bank OZK has the most locations in Shelby, with 4. 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.
Bank OZK Bank · 4
Bank OZK has 4 branches in Shelby, 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. In FDIC branch records, its longest-running Shelby location is the Shelby Main Branch at 106 S Lafayette St, dating to 1874; the newest, at 1127 E Marion St, to 1996. None of its 4 Shelby locations with published hours lists Saturday hours.
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Shelby Main Branch106 S Lafayette St, 28150
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
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Shelby-Highland Branch1127 E Marion St, 28150
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
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Shelby-East Branch1338 E Dixon Blvd, 28152
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
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Shelby-South Branch526 S Lafayette St, 28150
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
State Employees' Credit Union Credit union · 2
State Employees' Credit Union has 2 officees in Shelby, 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 Shelby locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Shelby1735 E Dixon Blvd, 28152
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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Boiling Springs435 E College Ave, 28152
All hours
Mon to Fri 8:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Commercial Bank Bank · 1
Commercial Bank has 1 branch in Shelby, 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 Shelby Branch at 412 S Dekalb St dates to 2004 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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Shelby Branch412 S Dekalb St, 28150
Fifth Third Bank Bank · 1
Fifth Third Bank has 1 branch in Shelby, 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 Shelby Branch at 316 S Lafayette St dates to 1991 in FDIC branch records. It opens on Saturday.
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Shelby Branch316 S Lafayette St, 28150
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
HomeTrust Bank Bank · 1
HomeTrust Bank has 1 branch in Shelby, 18 across North Carolina and 33 nationwide. FDIC records list its main office in Asheville, NC and show it operating since 1926. With $4.44 billion in total assets on June 30, 2026, it ranks No. 314 of 4,232 U.S. banks by total assets. The Shelby Main Office at 224 E Warren St dates to 1905 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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Shelby Main Office224 E Warren St, 28150
PNC Bank Bank · 1
PNC Bank has 1 branch in Shelby, 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 Cleveland Federal Branch at 131 N Lafayette St dates to 1922 in FDIC branch records. Its published hours do not list Saturday.
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Cleveland Federal Branch131 N Lafayette St, 28150
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
Sharonview Credit Union Credit union · 1
Sharonview Credit Union has 1 office in Shelby, 10 across North Carolina. It is based in Fort Mill, SC and $1.35 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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Shelby1108 E Dixon Blvd Ste 2, 28152
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
The Fidelity Bank Bank · 1
The Fidelity Bank has 1 branch in Shelby, 54 across North Carolina and 55 nationwide. FDIC records list its main office in Fuquay Varina, NC and show it operating since 1909. With $4.66 billion in total assets on June 30, 2026, it ranks No. 301 of 4,232 U.S. banks by total assets. The Shelby Branch at 331 S Lafayette St dates to 1968 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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Shelby Branch331 S Lafayette St, 28150
Truist Bank · 1
Truist has 1 branch in Shelby, 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 Shelby Branch at 400 S Lafayette St dates to 1922 in FDIC branch records. Its published hours do not list Saturday.
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Shelby Branch400 S Lafayette St, 28150
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
Truliant Credit Union Credit union · 1
Truliant Credit Union has 1 office in Shelby, 30 across North Carolina. It is based in Winston Salem, NC and $5.45 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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Shelby621 S Dekalb St, 28150
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Shelby, 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 Shelby Main Branch at 231 S Washington St dates to 1972 in FDIC branch records. Its published hours do not list Saturday.
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Shelby Main Branch231 S Washington St, 28150
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
Woodforest Bank · 1
Woodforest has 1 branch in Shelby, 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 0134 Shelby Wal-Mart Branch at 705 E Dixon Blvd dates to 2005 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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0134 Shelby Wal-Mart Branch705 E Dixon Blvd, 28152
Join a credit union in Shelby
3 credit unions have 4 offices here: State Employees' Credit Union, Truliant Credit Union and Sharonview 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 Shelby page has every office in the state's directory.
Banking in Shelby: the local picture
Short answer: 9 banks run 12 branches in Shelby 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, 0 have their main office in Shelby, 3 elsewhere in North Carolina and 6 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 Bank OZK's office at 106 S Lafayette St, dating to 1874; the newest is Woodforest's at 705 E Dixon Blvd, from 2005.
3 credit unions have 4 offices in Shelby, according to the NCUA. Who can join each one is on the credit unions page.
Of the 12 locations with published hours. 1 opens on Saturday. 4 locations have no published hours in these sources.
Banks by ZIP code in Shelby
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 28150 has the most bank and credit union offices in Shelby (11), followed by 28152 (5). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 28150 | 11 | 9 | Bank OZK, Commercial Bank, Fifth Third Bank |
| 28152 | 5 | 4 | State Employees' Credit Union, Bank OZK, Sharonview Credit Union |
Banks open on Saturday in Shelby
Short answer: 1 of the 12 Shelby locations with published hours opens on Saturday, run by 1 institution.
- Fifth Third Bank: 1 of 1 branch (316 S Lafayette 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 16 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 Shelby, and where the nearest one is if they do not.
Short answer: In Shelby: Wells Fargo (1), PNC Bank (1), Truist (1), Fifth Third Bank (1). No branches in Shelby: Chase (nearest in Gastonia, 23 mi), Bank of America (nearest in Gastonia, 18 mi), U.S. Bank (nearest in Charlotte, 39 mi), Huntington (nearest in Charlotte, 39 mi), Regions Bank (nearest in Charlotte, 35 mi), TD Bank (nearest in Rutherfordton, 24 mi), BMO.
| Bank | In Shelby | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| PNC Bank | 1 branch | here |
| Truist | 1 branch | here |
| Fifth Third Bank | 1 branch | here |
| Chase | None | Gastonia, 23 miles away |
| Bank of America | None | Gastonia, 18 miles away |
| U.S. Bank | None | Charlotte, 39 miles away |
| Huntington | None | Charlotte, 39 miles away |
| Regions Bank | None | Charlotte, 35 miles away |
| TD Bank | None | Rutherfordton, 24 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 Shelby 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 Shelby residents like anyone else.
Banks near Shelby
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Kings Mountain (11 miles) and Cherryville (12 miles). Gastonia, 21 miles away, has the most banks nearby: 12.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Kings Mountain, NC | 11 mi | 3 | 3 |
| Banks in Cherryville, NC | 12 mi | 3 | 3 |
| Banks in Forest City, NC | 20 mi | 6 | 6 |
| Banks in Dallas, NC | 20 mi | 3 | 3 |
| Banks in Lincolnton, NC | 21 mi | 9 | 10 |
| Banks in Gastonia, NC | 21 mi | 12 | 20 |
| Banks in Rutherfordton, NC | 24 mi | 4 | 4 |
| Banks in Belmont, NC | 28 mi | 11 | 11 |
Bank branch openings and closings in Shelby
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Shelby between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Shelby by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Shelby offices.
Short answer: Wells Fargo is the largest bank with offices in Shelby, with $1.91 trillion in total assets on June 30, 2026, No. 4 among U.S. banks by total assets. PNC Bank is second with $609.77 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| Fifth Third Bank | $299.18 billion | No. 14 | 1 | Cincinnati, OH |
| Bank OZK | $41.70 billion | No. 57 | 4 | Little Rock, AR |
| Woodforest | $8.98 billion | No. 181 | 1 | The Woodlands, TX |
| The Fidelity Bank | $4.66 billion | No. 301 | 1 | Fuquay Varina, NC |
| HomeTrust Bank | $4.44 billion | No. 314 | 1 | Asheville, NC |
| Commercial Bank | $2.36 billion | No. 528 | 1 | Harrogate, TN |
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 Shelby: FAQ
How many banks are in Shelby, NC?
Shelby has 9 banks with 12 branches and 3 credit unions with 4 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 Shelby?
Bank OZK, with 4. Wells Fargo has 1 and PNC Bank has 1.
Is there a Bank OZK in Shelby, NC?
Yes. FDIC data lists 4 Bank OZK branches in Shelby as of September 5, 2026. Its branches are listed under Bank OZK above, with the address and directions for each.
Is there a Wells Fargo in Shelby, NC?
Yes. FDIC data lists 1 Wells Fargo branch in Shelby as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a PNC Bank in Shelby, NC?
Yes. FDIC data lists 1 PNC Bank branch in Shelby as of September 5, 2026. The address and directions are under PNC Bank above.
Is there a Chase in Shelby, NC?
No. FDIC data lists no Chase branch in Shelby as of September 5, 2026. The nearest is in Gastonia, about 23 miles away in a straight line.
Which banks in Shelby are open on Saturday?
Fifth Third Bank publishes Saturday hours for one or more Shelby locations. The Saturday section above lists each one with its hours. 4 of the 16 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Shelby?
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 Shelby?
State Employees' Credit Union, Truliant Credit Union and Sharonview Credit Union have offices in Shelby. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Shelby 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 Shelby?
Nearby cities with more banks include Kings Mountain, Cherryville, Forest City. Kings Mountain is 11 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 4 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 (8 of 12 branches: Bank OZK, Fifth Third Bank, PNC 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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