US Bank Directory
Banks in Spruce Pine, NC
1 FDIC-insured bank operates 1 office in Spruce Pine, 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.
Bank branch map: Spruce Pine
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: 2 banks and credit unions operate 2 locations in Spruce Pine, according to the FDIC and the NCUA. 2 of them have coordinates on record and are on the map. 1 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
2 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 Spruce Pine
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: United Community is the only bank with an office in Spruce Pine. 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 · 1
State Employees' Credit Union has 1 office in Spruce Pine, 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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Spruce Pine10956 S 226 Hwy, 28777
All hours
Mon to Fri 8:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
United Community Bank · 1
United Community has 1 branch in Spruce Pine, 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 Spruce Pine Branch at 800 Summit Ave 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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Spruce Pine Branch800 Summit Ave, 28777
Join a credit union in Spruce Pine
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 Spruce Pine page has every office in the state's directory.
Banking in Spruce Pine: the local picture
Short answer: 1 bank runs 1 branch in Spruce Pine according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
United Community has its main office in Greenville, SC, according to the FDIC.
The bank with the longest record here is United Community, operating since 1950 according to the FDIC.
The only credit union with an office here is State Employees' Credit Union.
Of the 1 location with published hours. None open on Saturday. 1 location has no published hours in these sources.
Saturday hours in Spruce Pine
Short answer: None of the 1 Spruce Pine location with published hours lists Saturday hours. 1 location does 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; 1 of the 2 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 Spruce Pine, and where the nearest one is if they do not.
Short answer: No branches in Spruce Pine: Chase (nearest in Asheville, 38 mi), Wells Fargo (nearest in Burnsville, 13 mi), Bank of America (nearest in Morganton, 24 mi), PNC Bank (nearest in Burnsville, 13 mi), U.S. Bank (nearest in Huntersville, 75 mi), Truist (nearest in Banner Elk, 20 mi), Fifth Third Bank (nearest in Banner Elk, 21 mi), Huntington (nearest in Charlotte, 83 mi), Regions Bank (nearest in Cornelius, 73 mi), TD Bank (nearest in Burnsville, 13 mi), BMO.
| Bank | In Spruce Pine | Nearest branch if none here |
|---|---|---|
| Chase | None | Asheville, 38 miles away |
| Wells Fargo | None | Burnsville, 13 miles away |
| Bank of America | None | Morganton, 24 miles away |
| PNC Bank | None | Burnsville, 13 miles away |
| U.S. Bank | None | Huntersville, 75 miles away |
| Truist | None | Banner Elk, 20 miles away |
| Fifth Third Bank | None | Banner Elk, 21 miles away |
| Huntington | None | Charlotte, 83 miles away |
| Regions Bank | None | Cornelius, 73 miles away |
| TD Bank | None | Burnsville, 13 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 Spruce Pine 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 Spruce Pine residents like anyone else.
Banks near Spruce Pine
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Burnsville (13 miles) and Newland (15 miles). Morganton, 24 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Burnsville, NC | 13 mi | 5 | 5 |
| Banks in Newland, NC | 15 mi | 3 | 3 |
| Banks in Marion, NC | 15 mi | 3 | 3 |
| Banks in Banner Elk, NC | 20 mi | 4 | 4 |
| Banks in Morganton, NC | 24 mi | 7 | 8 |
| Banks in Black Mountain, NC | 24 mi | 4 | 4 |
| Banks in Blowing Rock, NC | 27 mi | 2 | 2 |
| Banks in Lenoir, NC | 30 mi | 6 | 7 |
Bank branch openings and closings in Spruce Pine
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Spruce Pine between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Spruce Pine by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Spruce Pine offices.
Short answer: United Community is the largest bank with offices in Spruce Pine, with $28.99 billion in total assets on June 30, 2026, No. 73 among U.S. banks by total assets. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| United Community | $28.99 billion | No. 73 | 1 | Greenville, 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 Spruce Pine: FAQ
How many banks are in Spruce Pine, NC?
Spruce Pine has 1 bank with 1 branch and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Is there a United Community in Spruce Pine, NC?
Yes. FDIC data lists 1 United Community branch in Spruce Pine as of September 5, 2026. The address and directions are under United Community above.
Is there a Chase in Spruce Pine, NC?
No. FDIC data lists no Chase branch in Spruce Pine as of September 5, 2026. The nearest is in Asheville, about 38 miles away in a straight line.
Which banks in Spruce Pine are open on Saturday?
None of the 1 location with published hours lists Saturday hours. 1 location does not publish hours in our sources; call ahead.
What is the oldest bank in Spruce Pine?
United Community has the longest record among banks with a branch here: the FDIC shows it operating since 1950.
Which credit unions can I join in Spruce Pine?
State Employees' Credit Union has an office in Spruce Pine. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Spruce Pine 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 Spruce Pine?
Nearby cities with more banks include Burnsville, Newland, Marion. Burnsville is 13 miles away with 5 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 |
| 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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