US Bank Directory
Banks in West Jefferson, NC
5 FDIC-insured banks operate 6 offices in West Jefferson, 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: West Jefferson
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: 6 banks and credit unions operate 7 locations in West Jefferson, according to the FDIC and the NCUA. 7 of them have coordinates on record and are on the map. 4 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 West Jefferson
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: LifeStore Bank has the most locations in West Jefferson, with 2. The other 4 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.
LifeStore Bank Bank · 2
LifeStore Bank has 2 branches in West Jefferson, 4 across North Carolina and 4 nationwide. FDIC records list its main office in West Jefferson, NC and show it operating since 1939. With $491.3 million in total assets on June 30, 2026, it ranks No. 1,819 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running West Jefferson location is its main office at 205 S Jefferson Ave, dating to 1939; the newest, at 1441 Mount Jefferson Rd, to 2002. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office205 S Jefferson Ave, 28694
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1441 Mount Jefferson Road Branch1441 Mount Jefferson Rd, 28694
Fifth Third Bank Bank · 1
Fifth Third Bank has 1 branch in West Jefferson, 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 West Jefferson Branch at 402 S Jefferson Ave dates to 1972 in FDIC branch records. Its published hours do not list Saturday.
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West Jefferson Branch402 S Jefferson Ave, 28694
All hours
Mon closed; Tue to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
First Citizens Bank Bank · 1
First Citizens Bank has 1 branch in West Jefferson, 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 West Jefferson Branch at 302 E 2nd St dates to 1906 in FDIC branch records. Its published hours do not list Saturday.
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West Jefferson Branch302 E 2nd St, 28694
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
FNB Bank · 1
FNB has 1 branch in West Jefferson, 97 across North Carolina and 361 nationwide. FDIC records list its main office in Greenville, PA and show it operating since 1864. With $50.80 billion in total assets on June 30, 2026, it ranks No. 50 of 4,232 U.S. banks by total assets. The Mt. Jefferson Branch at 1448 Mount Jefferson Rd dates to 2001 in FDIC branch records. Its published hours do not list Saturday.
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Mt. Jefferson Branch1448 Mount Jefferson Rd, 28694
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun closed
Hours: FNB branch locator (All The Places), checked Oct 10, 2026
SKYLINE NATIONAL BANK Bank · 1
SKYLINE NATIONAL BANK has 1 branch in West Jefferson, 10 across North Carolina and 28 nationwide. FDIC records list its main office in Independence, VA and show it operating since 1900. With $1.33 billion in total assets on June 30, 2026, it ranks No. 829 of 4,232 U.S. banks by total assets. The West Jefferson Branch at 1055 Mount Jefferson Rd dates to 2018 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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West Jefferson Branch1055 Mount Jefferson Rd, 28694
State Employees' Credit Union Credit union · 1
State Employees' Credit Union has 1 office in West Jefferson, 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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West Jefferson1024 S Jefferson Ave, 28694
All hours
Mon to Fri 8:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in West Jefferson
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 West Jefferson page has every office in the state's directory.
Banking in West Jefferson: the local picture
Short answer: 5 banks run 6 branches in West Jefferson 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, 1 has its main office in West Jefferson, 1 elsewhere in North Carolina and 3 out of state, according to the FDIC.
The bank with the longest record here is FNB, operating since 1864 according to the FDIC. In FDIC branch records, the longest-running branch is First Citizens Bank's office at 302 E 2nd St, dating to 1906; the newest is SKYLINE NATIONAL BANK's at 1055 Mount Jefferson Rd, from 2018.
The only credit union with an office here is State Employees' Credit Union.
Of the 4 locations with published hours. None open on Saturday. 3 locations have no published hours in these sources.
Saturday hours in West Jefferson
Short answer: None of the 4 West Jefferson locations with published hours lists Saturday hours. 3 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; 3 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 West Jefferson, and where the nearest one is if they do not.
Short answer: In West Jefferson: Fifth Third Bank (1). No branches in West Jefferson: Chase (nearest in Mooresville, 65 mi), Wells Fargo (nearest in Boone, 17 mi), Bank of America (nearest in Boone, 17 mi), PNC Bank (nearest in Boone, 17 mi), U.S. Bank (nearest in Huntersville, 74 mi), Truist (nearest in Boone, 17 mi), Huntington (nearest in Winston Salem, 69 mi), Regions Bank (nearest in Cornelius, 72 mi), TD Bank (nearest in Morganton, 47 mi), BMO.
| Bank | In West Jefferson | Nearest branch if none here |
|---|---|---|
| Fifth Third Bank | 1 branch | here |
| Chase | None | Mooresville, 65 miles away |
| Wells Fargo | None | Boone, 17 miles away |
| Bank of America | None | Boone, 17 miles away |
| PNC Bank | None | Boone, 17 miles away |
| U.S. Bank | None | Huntersville, 74 miles away |
| Truist | None | Boone, 17 miles away |
| Huntington | None | Winston Salem, 69 miles away |
| Regions Bank | None | Cornelius, 72 miles away |
| TD Bank | None | Morganton, 47 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 West Jefferson 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 West Jefferson residents like anyone else.
Banks near West Jefferson
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Boone (17 miles) and Blowing Rock (21 miles). Boone, 17 miles away, has the most banks nearby: 13.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Boone, NC | 17 mi | 13 | 14 |
| Banks in Blowing Rock, NC | 21 mi | 2 | 2 |
| Banks in Sparta, NC | 22 mi | 4 | 4 |
| Banks in Wilkesboro, NC | 24 mi | 7 | 8 |
| Banks in North Wilkesboro, NC | 25 mi | 3 | 3 |
| Banks in Banner Elk, NC | 27 mi | 4 | 4 |
| Banks in Newland, NC | 33 mi | 3 | 3 |
| Banks in Lenoir, NC | 33 mi | 6 | 7 |
Bank branch openings and closings in West Jefferson
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in West Jefferson 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 West Jefferson
Short answer: 1 institution has its main office in West Jefferson: LifeStore Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| LifeStore Bank | Bank | $491.3 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in West Jefferson by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its West Jefferson offices.
Short answer: Fifth Third Bank is the largest bank with offices in West Jefferson, with $299.18 billion in total assets on June 30, 2026, No. 14 among U.S. banks by total assets. First Citizens Bank is second with $236.32 billion. 1 of the 5 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Fifth Third Bank | $299.18 billion | No. 14 | 1 | Cincinnati, OH |
| First Citizens Bank | $236.32 billion | No. 19 | 1 | Raleigh, NC |
| FNB | $50.80 billion | No. 50 | 1 | Greenville, PA |
| SKYLINE NATIONAL BANK | $1.33 billion | No. 829 | 1 | Independence, VA |
| LifeStore Bank | $491.3 million | No. 1,819 | 2 | West Jefferson, 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 West Jefferson: FAQ
How many banks are in West Jefferson, NC?
West Jefferson has 5 banks with 6 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 West Jefferson?
LifeStore Bank, with 2. Fifth Third Bank has 1 and First Citizens Bank has 1.
Is there a LifeStore Bank in West Jefferson, NC?
Yes. FDIC data lists 2 LifeStore Bank branches in West Jefferson as of September 5, 2026, the main office at 205 S Jefferson Ave. Its branches are listed under LifeStore Bank above, with the address and directions for each.
Is there a Fifth Third Bank in West Jefferson, NC?
Yes. FDIC data lists 1 Fifth Third Bank branch in West Jefferson as of September 5, 2026. The address and directions are under Fifth Third Bank above.
Is there a First Citizens Bank in West Jefferson, NC?
Yes. FDIC data lists 1 First Citizens Bank branch in West Jefferson as of September 5, 2026. The address and directions are under First Citizens Bank above.
Is there a Chase in West Jefferson, NC?
No. FDIC data lists no Chase branch in West Jefferson as of September 5, 2026. The nearest is in Mooresville, about 65 miles away in a straight line.
Which banks in West Jefferson are open on Saturday?
None of the 4 locations with published hours lists Saturday hours. 3 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in West Jefferson?
LifeStore Bank has its main office in West Jefferson, according to the FDIC.
What is the oldest bank in West Jefferson?
FNB has the longest record among banks with a branch here: the FDIC shows it operating since 1864.
Which credit unions can I join in West Jefferson?
State Employees' Credit Union has an office in West Jefferson. Check each credit union's membership rules before you apply.
Did any bank branches open or close in West Jefferson 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 West Jefferson?
Nearby cities with more banks include Boone, Blowing Rock, Sparta. Boone is 17 miles away with 13 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 (3 of 6 branches: FNB, Fifth Third Bank, First Citizens Bank) | 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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