US Bank Directory
Banks in Waynesville, NC
6 FDIC-insured banks operate 7 offices in Waynesville, North Carolina, and 4 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: Waynesville
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: 10 banks and credit unions operate 11 locations in Waynesville, according to the FDIC and the NCUA. 10 of them have coordinates on record and are on the map. 8 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
10 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 Waynesville
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: First Citizens Bank has the most locations in Waynesville, with 2. The other 5 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.
First Citizens Bank Bank · 2
First Citizens Bank has 2 branches in Waynesville, 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. In FDIC branch records, its longest-running Waynesville location is the Waynesville Main Branch at 196 Walnut St, dating to 1987; the newest, at 2045 S Main St, to 2007. None of its 2 Waynesville locations with published hours lists Saturday hours.
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Waynesville Main Branch196 Walnut St, 28786
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
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Hazelwood Branch2045 S Main St, 28786
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
Champion Credit Union Credit union · 1
Champion Credit Union has 1 office in Waynesville, 8 across North Carolina. It is based in Canton, NC and $555.1 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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Champion Cu - Waynesville311 Walnut St, 28786
All hours
Mon to Thu 8 am to 5 pm; Fri 8 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
HomeTrust Bank Bank · 1
HomeTrust Bank has 1 branch in Waynesville, 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 Waynesville Branch at 800 Russ Ave 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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Waynesville Branch800 Russ Ave, 28786
Mountain Credit Union Credit union · 1
Mountain Credit Union has 1 office in Waynesville, 7 across North Carolina. It is based in Waynesville, NC and $370.2 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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Main Office main office1700 Russ Ave, 28786
All hours
Mon to Thu 8:30 am to 5 pm; Fri 8:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Telco Community Credit Union Credit union · 1
Telco Community Credit Union has 1 office in Waynesville, 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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Waynesville370 N Main St, 28786
All hours
Mon to Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Truist Bank · 1
Truist has 1 branch in Waynesville, 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 Waynesville Branch at 135 N Main St dates to 1973 in FDIC branch records. It opens on Saturday.
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Waynesville Branch135 N Main St, 28786
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
United Community Bank · 1
United Community has 1 branch in Waynesville, 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 Waynesville Branch at 165 N Main St dates to 1971 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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Waynesville Branch165 N Main St, 28786
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Waynesville, 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 Waynesville Main Branch at 339 Russ Ave dates to 1972 in FDIC branch records. Its published hours do not list Saturday.
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Waynesville Main Branch339 Russ Ave, 28786
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
Wnc Community Cu Credit Union Credit union · 1
Wnc Community Cu Credit Union has 1 office in Waynesville, 2 across North Carolina. It is based in Waynesville, NC and $94.2 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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Main Office main office27 Kent Ln, 28786
All hours
Mon to Fri 7:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Woodforest Bank · 1
Woodforest has 1 branch in Waynesville, 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 Waynesville Nc Walmart Branch at 135 Town Center Loop dates to 2008 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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Waynesville Nc Walmart Branch135 Town Center Loop, 28786
Join a credit union in Waynesville
4 credit unions have 4 offices here: Champion Credit Union, Telco Community Credit Union, Mountain Credit Union and Wnc Community Cu 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 Waynesville page has every office in the state's directory.
Banking in Waynesville: the local picture
Short answer: 6 banks run 7 branches in Waynesville 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 6 banks, 0 have their main office in Waynesville, 3 elsewhere in North Carolina and 3 out of state, according to the FDIC.
The bank with the longest record here is Wells Fargo, operating since 1870 according to the FDIC. In FDIC branch records, the longest-running branch is United Community's office at 165 N Main St, dating to 1971; the newest is Woodforest's at 135 Town Center Loop, from 2008.
4 credit unions have 4 offices in Waynesville, according to the NCUA. Who can join each one is on the credit unions page.
Of the 8 locations with published hours. 1 opens on Saturday. 3 locations have no published hours in these sources.
Banks open on Saturday in Waynesville
Short answer: 1 of the 8 Waynesville locations with published hours opens on Saturday, run by 1 institution.
- Truist: 1 of 1 branch (135 N Main St: Saturday 9 am to 12 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; 3 of the 11 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 Waynesville, and where the nearest one is if they do not.
Short answer: In Waynesville: Wells Fargo (1), Truist (1). No branches in Waynesville: Chase (nearest in Asheville, 27 mi), Bank of America (nearest in Asheville, 24 mi), PNC Bank (nearest in Asheville, 26 mi), U.S. Bank (nearest in Huntersville, 119 mi), Fifth Third Bank (nearest in Brevard, 23 mi), Huntington (nearest in Charlotte, 122 mi), Regions Bank (nearest in Highlands, 32 mi), TD Bank (nearest in Asheville, 22 mi), BMO.
| Bank | In Waynesville | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| Truist | 1 branch | here |
| Chase | None | Asheville, 27 miles away |
| Bank of America | None | Asheville, 24 miles away |
| PNC Bank | None | Asheville, 26 miles away |
| U.S. Bank | None | Huntersville, 119 miles away |
| Fifth Third Bank | None | Brevard, 23 miles away |
| Huntington | None | Charlotte, 122 miles away |
| Regions Bank | None | Highlands, 32 miles away |
| TD Bank | None | Asheville, 22 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 Waynesville 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 Waynesville residents like anyone else.
Banks near Waynesville
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Sylva (15 miles) and Candler (19 miles). Asheville, 26 miles away, has the most banks nearby: 21.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Sylva, NC | 15 mi | 5 | 5 |
| Banks in Candler, NC | 19 mi | 2 | 2 |
| Banks in Brevard, NC | 22 mi | 5 | 7 |
| Banks in Asheville, NC | 26 mi | 21 | 49 |
| Banks in Bryson City, NC | 26 mi | 2 | 2 |
| Banks in Cashiers, NC | 26 mi | 3 | 3 |
| Banks in Arden, NC | 27 mi | 6 | 6 |
| Banks in Fletcher, NC | 28 mi | 2 | 2 |
Bank branch openings and closings in Waynesville
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Waynesville 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 Waynesville
Short answer: 2 institutions have their main office in Waynesville: Mountain Credit Union and Wnc Community Cu Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Mountain Credit Union | Credit union | $370.2 million | 1 |
| Wnc Community Cu Credit Union | Credit union | $94.2 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Waynesville by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Waynesville offices.
Short answer: Wells Fargo is the largest bank with offices in Waynesville, with $1.91 trillion in total assets on June 30, 2026, No. 4 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 |
|---|---|---|---|---|
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| First Citizens Bank | $236.32 billion | No. 19 | 2 | Raleigh, NC |
| United Community | $28.99 billion | No. 73 | 1 | Greenville, SC |
| Woodforest | $8.98 billion | No. 181 | 1 | The Woodlands, TX |
| HomeTrust Bank | $4.44 billion | No. 314 | 1 | Asheville, 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 Waynesville: FAQ
How many banks are in Waynesville, NC?
Waynesville has 6 banks with 7 branches and 4 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 Waynesville?
First Citizens Bank, with 2. Wells Fargo has 1 and Truist has 1.
Is there a First Citizens Bank in Waynesville, NC?
Yes. FDIC data lists 2 First Citizens Bank branches in Waynesville as of September 5, 2026. Its branches are listed under First Citizens Bank above, with the address and directions for each.
Is there a Wells Fargo in Waynesville, NC?
Yes. FDIC data lists 1 Wells Fargo branch in Waynesville as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a Truist in Waynesville, NC?
Yes. FDIC data lists 1 Truist branch in Waynesville as of September 5, 2026. The address and directions are under Truist above.
Is there a Chase in Waynesville, NC?
No. FDIC data lists no Chase branch in Waynesville as of September 5, 2026. The nearest is in Asheville, about 27 miles away in a straight line.
Which banks in Waynesville are open on Saturday?
Truist publishes Saturday hours for one or more Waynesville locations. The Saturday section above lists each one with its hours. 3 of the 11 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Waynesville?
Mountain Credit Union and Wnc Community Cu Credit Union have their main office in Waynesville, according to the FDIC and the NCUA.
What is the oldest bank in Waynesville?
Wells Fargo has the longest record among banks with a branch here: the FDIC shows it operating since 1870.
Which credit unions can I join in Waynesville?
Champion Credit Union, Telco Community Credit Union, Mountain Credit Union and Wnc Community Cu Credit Union have offices in Waynesville. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Waynesville 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 Waynesville?
Nearby cities with more banks include Sylva, Candler, Brevard. Sylva is 15 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 3 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 (4 of 7 branches: First Citizens 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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